Washington Federal Financials

WAFD Stock  USD 27.66  0.59  2.09%   
Washington Federal may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Washington Federal's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 3.6 B, whereas Property Plant And Equipment Net is forecasted to decline to about 152.4 M. Key indicators impacting Washington Federal's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin3.112.97
Sufficiently Up
Slightly volatile
Return On Assets0.00780.0082
Notably Down
Slightly volatile
Return On Equity0.130.0767
Way Up
Pretty Stable
Debt Equity Ratio1.571.27
Fairly Up
Pretty Stable
Current Ratio0.140.15
Significantly Down
Pretty Stable
Investors should never underestimate Washington Federal's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Washington Federal's cash flow, debt, and profitability to make informed and accurate decisions about investing in Washington Federal.

Net Income

135.43 Million

  
Understanding current and past Washington Federal Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Washington Federal's financial statements are interrelated, with each one affecting the others. For example, an increase in Washington Federal's assets may result in an increase in income on the income statement.
Please note, the presentation of Washington Federal's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Washington Federal's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Washington Federal's management manipulating its earnings.

Washington Federal Stock Summary

Washington Federal competes with Finward Bancorp, Great Southern, First Mid, Franklin Financial, and Community West. Washington Federal, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. Washington Federal, Inc. was founded in 1917 and is headquartered in Seattle, Washington. Washington Federal operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2132 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9388241096
CUSIP938824109
LocationWashington; U.S.A
Business Address425 Pike Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.wafdbank.com
Phone206 624 7930
CurrencyUSD - US Dollar

Washington Federal Key Financial Ratios

Washington Federal Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets19.7B20.8B22.5B28.1B32.3B33.9B
Net Debt(370.8M)1.4B2.7B937.2M1.1B1.4B
Retained Earnings1.5B1.7B1.9B2.0B2.3B2.4B
Cash2.1B684.0M980.6M26.0M29.9M28.4M
Other Assets12.3B3.5B16.4B2.6B3.0B2.8B
Net Receivables54.5M63.9M95.5M102.8M118.3M124.2M
Total Liab1.7B300.0M3.7B25.1B28.8B30.3B
Total Current Assets4.3B16.1B3.1B26.0M29.9M28.4M
Other Current Liab14.9B(3.3M)15.4B11.8B13.6B7.7B
Other Current Assets2.2B757.4M1.1B2.6B2.3B4.1B
Short Term Debt1.8B1.3B2.0B3.7B4.2B4.4B
Common Stock136.0M136.3M136.5M154.0M177.1M128.0M
Other Liab49.5M47.0M50.1M52.6M47.3M81.7M
Accounts Payable250.8M15.5B16.0B16.1B18.5B19.4B
Long Term Debt1.7B2.1B3.7B3.3B3.8B2.2B
Inventory(1.8B)(2.2B)15.3B(1.1B)(1.2B)(1.2B)
Treasury Stock(1.1B)(1.2B)(1.6B)(1.6B)(1.4B)(1.4B)
Intangible Assets6.6M5.6M5.9M37.1M33.4M50.0M
Net Tangible Assets1.7B1.5B1.7B1.8B2.1B1.8B
Capital Surpluse1.7B1.7B1.7B1.7B1.9B1.8B

Washington Federal Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense86.5M71.8M352.7M710.9M817.5M858.4M
Operating Income233.1M285.4M325.1M(1.1B)(990.9M)(941.4M)
Ebit219.2M233.1M300.0M325.1M373.8M365.8M
Ebitda267.1M364.1M325.1M256.1M294.5M372.7M
Net Income183.6M236.3M257.4M200.0M230.0M135.4M
Income Tax Expense49.5M63.7M67.7M56.0M64.4M52.2M
Total Revenue566.1M661.6M742.6M60.7M69.8M66.3M
Gross Profit566.1M661.6M742.6M1.4B1.6B1.7B
Income Before Tax233.1M300.0M325.1M256.1M294.5M208.5M
Tax Provision49.5M63.7M67.7M56.0M50.4M51.6M
Net Interest Income505.1M594.6M690.2M660.8M760.0M565.3M
Interest Income591.6M666.4M1.0B1.4B1.6B790.8M

Washington Federal Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash387.8M(1.4B)296.7M1.4B1.6B1.7B
Free Cash Flow285.0M256.7M198.9M439.2M505.1M530.4M
Depreciation33.9M64.1M23.0M134.1M154.2M161.9M
Other Non Cash Items(14.1M)2.2M(66.4M)14.6M16.8M17.6M
Dividends Paid72.3M76.2M78.4M74.3M85.4M54.4M
Capital Expenditures29.5M11.8M15.1M24.7M22.2M16.9M
Net Income183.6M236.3M257.4M200.0M230.0M145.5M
End Period Cash Flow2.1B684.0M980.6M2.4B2.7B2.9B
Change To Netincome(8.9M)(4.2M)15.5M9.0M8.1M7.6M
Investments(594.6M)(172.8M)(1.8B)3.3B3.8B4.0B
Net Borrowings(80M)436.2M(993.8M)405M364.5M382.7M

Washington Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Washington Federal's current stock value. Our valuation model uses many indicators to compare Washington Federal value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Washington Federal competition to find correlations between indicators driving Washington Federal's intrinsic value. More Info.
Washington Federal is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Washington Federal is roughly  9.20 . At present, Washington Federal's Return On Equity is projected to slightly decrease based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Washington Federal by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Washington Federal Systematic Risk

Washington Federal's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Washington Federal volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Washington Federal correlated with the market. If Beta is less than 0 Washington Federal generally moves in the opposite direction as compared to the market. If Washington Federal Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Washington Federal is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Washington Federal is generally in the same direction as the market. If Beta > 1 Washington Federal moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Washington Federal Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Washington Federal's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Washington Federal growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.34)

At present, Washington Federal's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Washington Federal March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Washington Federal help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Washington Federal. We use our internally-developed statistical techniques to arrive at the intrinsic value of Washington Federal based on widely used predictive technical indicators. In general, we focus on analyzing Washington Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Washington Federal's daily price indicators and compare them against related drivers.

Complementary Tools for Washington Stock analysis

When running Washington Federal's price analysis, check to measure Washington Federal's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Washington Federal is operating at the current time. Most of Washington Federal's value examination focuses on studying past and present price action to predict the probability of Washington Federal's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Washington Federal's price. Additionally, you may evaluate how the addition of Washington Federal to your portfolios can decrease your overall portfolio volatility.
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