Washington Federal Inc (WAFD) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Washington Federal Inc stock (WAFD) is currently trading at $31.58. Washington Federal Inc PE ratio is 10.79. Washington Federal Inc PS ratio (Price-to-Sales) is 3.23. Analyst consensus price target for WAFD is $33.38. WallStSmart rates WAFD as Buy.
- WAFD PE ratio analysis and historical PE chart
- WAFD PS ratio (Price-to-Sales) history and trend
- WAFD intrinsic value — DCF, Graham Number, EPV models
- WAFD stock price prediction 2025 2026 2027 2028 2029 2030
- WAFD fair value vs current price
- WAFD insider transactions and insider buying
- Is WAFD undervalued or overvalued?
- Washington Federal Inc financial analysis — revenue, earnings, cash flow
- WAFD Piotroski F-Score and Altman Z-Score
- WAFD analyst price target and Smart Rating
Washington Federal Inc
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WAFD Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Washington Federal Inc (WAFD)
WAFD trades at a significant discount to its Graham intrinsic value of $134.78, offering a 76% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Washington Federal Inc (WAFD) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Washington Federal Inc (WAFD) Key Strengths (6)
Keeps $47 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 46.60% year-over-year
Keeps $33 of every $100 in revenue as net profit
83.24% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Washington Federal Inc (WAFD) Areas to Watch (4)
Low profitability relative to shareholder equity
Modest revenue growth at 9.80%
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.23x sales
Washington Federal Inc (WAFD) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.86) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.60%, Profit Margin at 33.10%. Growth metrics are encouraging with EPS Growth at 46.60%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, PEG Ratio. Some valuation metrics including PEG Ratio (1.85), Price/Sales (3.23) suggest expensive pricing. Growth concerns include Revenue Growth at 9.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.03%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.03% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WAFD Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WAFD's Price-to-Sales ratio of 3.23x trades at a 18% premium to its historical average of 2.75x (71th percentile). The current valuation is 30% below its historical high of 4.59x set in Jan 2018, and 172% above its historical low of 1.19x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Washington Federal Inc (WAFD) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Washington Federal Inc is a mature, profitable business with steady cash generation. Revenue reached 734M with 10% growth year-over-year. Profit margins are strong at 33.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 803.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.1% and operating margin of 46.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 261.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Washington Federal Inc.
Bottom Line
Washington Federal Inc is a well-established business delivering consistent profitability with 33.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Washington Federal Inc(WAFD)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.