회사 개요
WaFd, Inc. operates as a bank holding company that facilitates Washington Federal Bank, offering a comprehensive suite of financial services including lending, depository solutions, insurance, and other banking products to clients across the United States. The company functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on serving local and regional economic needs rather than global capital markets. With a market capitalization of $2.51B and an annual revenue of $734.47M supported by a workforce of 1,979 employees, the entity demonstrates a solid operational footprint within the regional banking landscape. These valuation and revenue figures indicate that WaFd, Inc. maintains a significant but measured presence, positioning it as a substantial regional player that balances asset growth with manageable operational scale.
재무 건전성
The company reported a trailing twelve-month revenue of $734.47M and a net income of $228.37M, while EBITDA data is not disclosed in the available facts; the substantial difference between total revenue and net income reveals a cost structure where operating expenses, such as personnel costs and overhead, consume approximately 68.9% of gross inflows before reaching the bottom line. Free cash flow metrics are not currently reported, suggesting that cash flow calculations may be heavily influenced by significant capital expenditures or specific banking regulatory requirements that absorb liquidity. The gross margin stands at 0.0%, which is standard for financial institutions as their primary revenue comes from interest on loans rather than the sale of goods, while the operating margin of 46.6% and profit margin of 33.1% demonstrate efficient internal cost management relative to revenue generation. Total cash holdings amount to $767.08M against total debt of $2.56B, creating a leverage situation where liabilities exceed liquid assets, although the debt-to-equity ratio is not available for direct comparison. The current ratio is not disclosed, preventing a specific assessment of short-term liquidity coverage based on the provided dataset. Return on equity stands at 8.0% while return on assets is 0.9%, indicating that the company generates modest returns on its total asset base but leverages shareholder equity to achieve a higher yield per dollar of capital invested.
밸류에이션 평가
The trailing twelve-month price-to-earnings ratio is 11.40, whereas the forward price-to-earnings ratio is projected at 10.19, implying that the market expects earnings per share to increase over the next twelve months as the denominator in the valuation metric grows. The price-to-book ratio is 0.92, indicating that the market values the company's equity at slightly less than the accounting book value, suggesting no significant premium over tangible assets. Alternative valuation metrics include a price-to-sales ratio of 3.42, while the enterprise value-to-EBITDA multiple is not available due to missing EBITDA data. The stock has traded between a 52-week low of $23.75 and a 52-week high of $34.30, placing the current trading range within a band that reflects recent market volatility and sector-wide sentiment. The beta value of 0.82 indicates that the stock's price volatility is lower than the broader market, suggesting that WaFd, Inc. moves less aggressively than the S&P 500 index during periods of market fluctuation.
Growth & Income
Revenue growth year-over-year is recorded at 9.8%, while earnings growth year-over-year reaches 46.6%, indicating that earnings are expanding at a significantly faster pace than revenue, which often points to improving operational efficiency or favorable loan pricing dynamics. As a dividend payer, the company offers a dividend yield of 3.3% with a payout ratio of 37.5%, suggesting that the distribution of cash to shareholders is sustainable given the robust earnings growth rate which provides ample room for future dividend increases without compromising retained earnings for growth. The high earnings growth rate relative to revenue growth supports the sustainability of the current dividend yield, as the company retains a majority of its profits to fund operations and potential asset expansion. Overall, the growth and income profile presents a scenario where capital appreciation potential from earnings expansion is complemented by a stable, moderate-yielding dividend stream for income-focused investors.