WaFd, Inc. (WAFD) Stock: Dividends & Earnings

Company Overview:

Market Cap: $2.18B

Trailing PE: 9.2x

FWD PE *: 9x

Payout Ratio (TTM): 27.8%

52-Week Range: $28.10 - $39.49

* Forward PE is based on street estimates.

7.3 Year WAFD Performance Metrics:

Total Return (with DRIP): 3.2% (0.42% CAGR)

Total Return (no DRIP): 2.5% (0.34% CAGR)

Share Price: -15.0% (-2.19% CAGR)

Yield on Cost (with DRIP): 3.79%

Total Invested: $10,000

Total Value (with DRIP): $10,315

Total Return $ (with DRIP): $315

Dividend Increase: 28.6% (3.64% CAGR)

Dividend Yield (FWD): 3.67% ($1.08)

WAFD 7.3-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

WAFD Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

WAFD Price CAGR:1Y: -4.11%2Y: -11.02%5Y: -3.76%10Y: -2.19%

WAFD Dividend Charts

WAFD - Dividends

WAFD Dividend CAGR:1Y: 0.00%2Y: 1.90%5Y: 3.26%10Y: 6.79%

WAFD - Dividend Payout Ratio

WAFD Dividend Payout Ratio CAGR:1Y: -17.66%2Y: -8.87%5Y: -1.80%10Y: 1.65%

WAFD - Dividend to Free Cash Flow Ratio

WAFD Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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WAFD - Chart 1

WAFD - Chart 2

WAFD - Chart 3

WAFD Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

Revenue

WAFD Revenue CAGR:1Y: 98.66%2Y: -2.22%5Y: 19.66%10Y: 12.22%

Earnings Per Share (EPS)

WAFD EPS CAGR:1Y: 5.56%2Y: 3.46%5Y: 1.09%10Y: 4.49%

Net Income

WAFD Net Income CAGR:1Y: -1.00%2Y: -0.94%5Y: 2.75%10Y: 3.10%

EBITDA

WAFD EBITDA CAGR:1Y: 0.92%2Y: 93.35%5Y: -3.48%10Y: -1.84%

Free Cash Flow

WAFD Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Free Cash Flow / Share

WAFD Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Operating Income

WAFD Operating Income CAGR:1Y: -0.70%2Y: -2.25%5Y: -1.80%10Y: -2.11%

Gross Profit

WAFD Gross Profit CAGR:1Y: 7.17%2Y: 2.61%5Y: 0.00%10Y: 0.00%

Shares Outstanding

WAFD Shares Outstanding CAGR:1Y: -5.62%2Y: -4.53%5Y: 1.98%10Y: -1.97%

Share Buybacks

WAFD Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Stock-Based Comp

WAFD Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Expenses

WAFD Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Revenue vs Net Income

EPS vs FCF / Share

EPS vs PE Ratio

FCF vs FCF / Share

FCF vs Stock Based Comp

Cash & Debt

Revenue by Segment

WAFD Revenue CAGR:1Y: 98.66%2Y: -2.22%5Y: 19.66%10Y: 12.22%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

REVENUE: Actual + Estimates

WAFD Actual Revenue CAGR:1Y: 98.66%2Y: -2.22%5Y: 19.66%10Y: 12.22%

EPS: Actual + Estimates

WAFD Actual EPS CAGR:1Y: 5.56%2Y: 3.46%5Y: 1.09%10Y: 4.49%

NET INCOME: Actual + Estimates

WAFD Actual Net Income CAGR:1Y: -1.00%2Y: -0.94%5Y: 2.75%10Y: 3.10%

EBITDA: Actual + Estimates

WAFD Actual EBITDA CAGR:1Y: 0.92%2Y: 93.35%5Y: -3.48%10Y: -1.84%

Ratios, Profit Margins & Return on Capital:

Net Profit Margin

WAFD Net Profit Margin CAGR:1Y: -8.52%2Y: 1.33%5Y: -14.12%10Y: -8.13%

Gross Profit Margin

WAFD Gross Profit Margin CAGR:1Y: -1.02%2Y: 4.94%5Y: -11.83%10Y: -6.10%

Price to Earnings

WAFD Price to Earnings CAGR:1Y: -5.09%2Y: -7.76%5Y: -2.21%10Y: -3.15%

Price To Sales Ratio

WAFD Price To Sales Ratio CAGR:1Y: -14.03%2Y: -9.53%5Y: -17.10%10Y: -11.60%

Return on Capital Employed

WAFD Return on Capital Employed CAGR:1Y: -40.32%2Y: 4.52%5Y: -11.69%10Y: 7.38%

Return on Invested Capital

WAFD Return on Invested Capital CAGR:1Y: -10.93%2Y: 5.91%5Y: -4.33%10Y: -4.30%

WAFD Dividends Info:

Annual Dividend: $1.08

Forward Yield: 3.67%

Ex-Dividend Date: 2026-08-21

Lifetime Dividends / Share: $25.24

Dividend Safety RatingUnlock Full WAFD dividend report »

Projected Future Returns & Dividends for WAFD

Based on past 7.3-year performance, here are WAFD growth metrics:

Share price CAGR of -2.2%
Dividend CAGR of +6.79%

Using WAFD CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	WAFD (DRIP)	WAFD - No DRIP
Current Price	$29.42	$29.42
Start Shares	339.90	339.90
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	594.21	339.90
Dividends Payment	$0.52	$0.52
Annual Dividends	$1,238	$708
Yield on cost	12.38%	7.08%
Share Price	$23.56	$23.56
Total Dividends	$6,611	$5,022
Final Value	$13,999	$13,029

Estimated Future Value + Dividends - WAFD

NOTE: Above numbers are our estimate based on WAFD's Dividend and Price CAGR over past 7.3 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

Company Info

WaFd, Inc. (WAFD) had its IPO on 1982-11-09, and is traded on NASDAQ stock exchange.

WaFd, Inc. delivers a comprehensive suite of banking and financial services, encompassing lending, deposit accounts, and insurance, primarily catering to individual consumers. Beyond retail banking, the company also serves the financial needs of mid-sized to large businesses, as well as owners and developers within the commercial real estate sector. Established on November 15, 1994, WaFd, Inc. maintains its headquarters in Seattle, Washington.

WAFD website: https://www.wafdbank.com

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DCF Model — WAFD

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $29.42

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

WaFd, Inc. WAFD | NASDAQ