US · WAFDP
WaFd, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Seattle, WA 98101
- Website
- wafdbank.com
Price · as of 2025-09-30
$16.50
Market cap 1.24B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $27.38 | +65.94% |
| Intrinsic Value(DCF) | $28.48 | +72.61% |
| Graham-Dodd Method(GD) | $28.26 | +71.29% |
| Graham Formula(GF) | $18.61 | +12.78% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $16.39 | $0.00 | |||
| 2012 | $17.30 | $0.00 | |||
| 2013 | $17.84 | $0.00 | |||
| 2014 | $18.20 | $19.20 | |||
| 2015 | $17.77 | $19.08 | |||
| 2016 | $19.21 | $18.71 | |||
| 2017 | $16.45 | $18.48 | |||
| 2018 | $22.05 | $37.85 | |||
| 2019 | $22.78 | $53.23 | |||
| 2020 | $20.61 | $10.60 | |||
| 2021 | $18.97 | $21.44 | $25.76 | $22.84 | $1.70 |
| 2022 | $14.27 | $25.25 | $34.14 | $30.78 | $72.36 |
| 2023 | $12.19 | $37.66 | $58.56 | $34.24 | $218.69 |
| 2024 | $16.54 | $21.93 | $143.18 | $30.38 | $101.28 |
| 2025 | $16.63 | $27.38 | $40.58 | $28.26 | $18.61 |
AI valuation
Our deep-learning model estimates WaFd, Inc.'s (WAFDP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $27.38
- Current price
- $16.50
- AI upside
- +65.94%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$28.48
+72.61% upside
Graham-Dodd
$28.26
+71.29% upside
Graham Formula
$18.61
+12.78% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WAFDP | WaFd, Inc. | $16.50 | 1.24B | +66% | +73% | +71% | +13% | 5.90 | 0.44 | 0.95 | -0.41 | 113.44 | 0.51 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 15.62% | 0.01 | 14.12% | 7.44% | 43.90% | 15.09% | -0.42 | -0.58 | -0.09 | -0.65 |
| BFC | Bank First Corporation | $134.67 | 1.51B | +1% | +12% | -13% | -16% | 19.02 | 0.82 | 5.65 | 14.38 | 169.33 | 0.82 | 70.34% | 36.67% | 29.73% | 6.22% | 7.08% | 1.60% | 0.07 | 1.26 | 0.05 | 0.05 | -0.13 | 1123.00% | 771.00% | -11989.00% | -0.86% | 0.00 | -1.15% | 4.22% | 80.20% | 5.84% | 15.29 | -115.62 | 5.61 | -0.28 |
| BY | Byline Bancorp, Inc. | $31.20 | 1.43B | +53% | -2% | +3% | -14% | 10.93 | 1.12 | 2.26 | 2.78 | 214.79 | 1.33 | 66.12% | 29.06% | 20.66% | 11.02% | 54.45% | 1.36% | 0.45 | 0.98 | 0.31 | 0.31 | 2.69 | 509.00% | 130.00% | -6976.00% | 3.64% | 0.01 | 20.52% | 1.28% | 14.00% | 2.95% | 2.85 | 10.08 | 0.83 | -0.09 |
| CNOB | ConnectOne Bancorp, Inc. | $26.53 | 1.33B | +66% | -60% | -11% | +26% | 16.81 | 0.86 | 2.23 | 10.46 | — | 1.05 | 44.17% | 18.59% | 13.26% | 5.72% | 5.25% | 0.67% | 0.74 | 0.39 | 391.51 | 391.51 | 9.56 | -1591.00% | 1344.00% | 7750.00% | 7.47% | 3.28 | 6.59% | 2.81% | 47.20% | 2.81% | 10.46 | 11.68 | 1.94 | 1.29 |
| DCOM | Dime Community Bancshares… | $32.35 | 1.42B | +29% | +425% | +35% | +63% | 12.81 | 0.96 | 1.94 | -8.70 | 3.87 | 1.08 | 56.12% | 21.47% | 15.15% | 7.71% | -100.70% | 0.75% | 0.25 | 0.57 | 0.25 | 0.25 | -12.65 | 33091.00% | 1303.00% | 9659.00% | 12.87% | 0.01 | -165.98% | 0.00% | 0.00% | 118.47% | -8.70 | -7.48 | -1.87 | -0.53 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| MBIN | Merchants Bancorp | $42.28 | 1.94B | +86% | -48% | +28% | -69% | 9.09 | 0.87 | 1.46 | 18.77 | — | 0.88 | 41.29% | 19.32% | 16.02% | 9.67% | 3.89% | 1.14% | 1.68 | 0.39 | 1.61 | 1.61 | 14.51 | -4000.00% | -565.00% | -6003.00% | -17.16% | -0.05 | -6.06% | 2.99% | 27.20% | 4.63% | 18.77 | -14.51 | 3.63 | 0.57 |
| PFBC | Preferred Bank | $87.72 | 1.07B | +27% | +45% | +32% | -50% | 8.42 | 1.43 | 2.26 | 3.79 | 106.97 | 1.43 | 54.97% | 37.98% | 26.78% | 17.21% | 49.09% | 1.84% | 0.53 | 0.88 | 0.29 | 0.29 | -2.52 | 788.00% | -411.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.79 | — | 1.44 | 0.07 |
| QCRH | QCR Holdings, Inc. | $86.50 | 1.46B | +21% | +3% | +11% | -15% | 11.59 | 1.33 | 2.47 | 14.83 | 96.03 | 1.53 | 57.72% | 22.77% | 21.31% | 12.06% | 9.41% | 1.37% | 0.56 | 0.58 | 28.87 | 28.87 | 3.98 | 1207.00% | 153.00% | -8608.00% | 3.78% | 21.02 | 4.12% | 0.00% | 0.00% | 0.00% | 14.83 | 36.19 | 3.38 | 0.22 |
| RBCAA | Republic Bancorp, Inc. | $69.00 | 1.2B | +52% | +11% | +26% | +19% | 10.49 | 1.25 | 2.64 | 5.40 | 37.49 | 1.30 | 74.02% | 31.79% | 25.19% | 12.54% | 19.16% | 1.89% | 0.57 | 1.60 | 14.82 | 14.82 | 2.46 | 2799.00% | 431.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 5.40 | — | 1.72 | 0.50 |
| STBA | S&T Bancorp, Inc. | $41.81 | 1.6B | -9% | -13% | -40% | -28% | 12.34 | 1.13 | 2.91 | 11.44 | 466.07 | 1.52 | 69.43% | 29.54% | 23.61% | 9.44% | 12.62% | 1.37% | 0.18 | 1.01 | 0.03 | 0.00 | 1.58 | 265.00% | 63.00% | -2437.00% | 7.78% | 0.03 | 12.11% | 3.19% | 39.40% | 5.38% | 11.44 | 14.91 | 3.38 | -0.39 |
About WaFd, Inc.
WaFd, Inc. engages in the provision of lending, depository, insurance, and other banking services to consumers. It also offers banking services to mid-sized to large businesses, and owners and developers of commercial real estate. The company was founded on November 15, 1994 and is headquartered in Seattle, WA.
- CEO
- Brent J. Beardall
- Employees
- 2.02K
- Beta
- 0.84
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($28.48 ÷ $16.50) − 1 = +72.61% (DCF, example).