회사 개요
WaFd, Inc. operates as a bank holding company for Washington Federal Bank, offering a comprehensive suite of financial services including lending, depository solutions, insurance, and various other banking products across the United States. The company is positioned within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically focuses on serving local communities and small-to-medium-sized enterprises rather than large national corporations. Its operational scale is defined by an annual revenue of $734.47 million and a workforce comprising 1,979 employees, though specific market cap data is currently unavailable in the provided records. The absence of a disclosed market cap figure in the available data limits the immediate ability to gauge its precise market valuation relative to peers, while the reported revenue indicates a solid income generation capability for a regional financial institution.
재무 건전성
The company reported a trailing twelve-month revenue of $734.47 million with a corresponding net income of $228.37 million, while specific EBITDA figures are not disclosed in the current dataset. The substantial difference between the total revenue and the net income highlights a significant cost structure where operating expenses, provisions for loan losses, and interest expenses consume a large portion of top-line earnings, a common characteristic in the banking industry where gross margins are often negligible. Free cash flow metrics are not available in the provided facts, which prevents a direct assessment of the company's immediate financial flexibility derived from cash generation after capital expenditures. Despite the lack of gross margin data, the operating margin stands at 46.6% and the profit margin is 33.1%, indicating that the company effectively manages its core banking operations to convert revenue into earnings before taxes. The balance sheet shows a cash position of $767.08 million against total debt of $2.56 billion, though the debt-to-equity ratio is not listed, suggesting a leveraged position typical for asset-heavy banking models. The current ratio is not provided, so short-term liquidity relative to current liabilities cannot be quantified based on the available metrics. Return on Equity is reported at 8.0% and Return on Assets at 0.9%, revealing that management generates modest returns on the total asset base but achieves a stronger yield specifically on shareholder equity.
밸류에이션 평가
The trailing twelve-month P/E ratio is 5.98, while the forward P/E ratio is not available in the current data, making it impossible to assess the market's expected earnings trajectory based on forward multiples. The price-to-book ratio is 0.46, indicating that the stock trades at a significant discount to its book value, which often reflects market expectations for potential asset write-downs or a regional bank's lower growth premium compared to large financial conglomerates. Alternative valuation metrics such as the price-to-sales ratio and EV/EBITDA are not available, limiting the ability to cross-reference valuation with sales efficiency or enterprise value multiples. The stock has traded between a 52-week high of $17.49 and a 52-week low of $15.25, and without the current share price, the exact percentage position relative to this range cannot be calculated. The beta value is 0.82, which suggests that the stock price has historically exhibited lower volatility than the broader market, moving less aggressively during periods of market fluctuation.
Growth & Income
Revenue growth year-over-year is 9.8%, while earnings growth year-over-year is 46.6%, demonstrating that earnings are expanding at a significantly faster pace than revenue, which implies strong operational leverage or non-recurring income contributions driving profitability. The company offers a dividend yield of 7.5%, but the payout ratio is not available, preventing a direct calculation of sustainability based on earnings per share coverage. Since the payout ratio data is missing, it is not possible to determine the exact proportion of earnings distributed to shareholders versus reinvested into the business for growth. The overall growth and income profile combines robust double-digit earnings expansion with a high dividend yield, presenting a scenario where capital appreciation potential is coupled with significant current income generation.