WaFd, Inc. (WAFD) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

UMB Financial Corp.

Associated Banc-Corp

Axos Financial, Inc.

Texas Capital Bancshares, Inc.

Cadence Bank

Fulton Financial Corp.

First Financial Bankshares, Inc.

F.N.B. Corp. (Pennsylvania)

WaFd, Inc.

Community Bank System, Inc.

Simmons First National Corp.

Why is WaFd, Inc. ?

Positive results in Dec 25

NII(Q) Highest at USD 171.11 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT(Q) Highest at USD 82.3 MM

With ROA of 0.71%, it has a very attractive valuation with a 1.50 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 8.75%, its profits have risen by 28.7% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 85.92%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to WaFd, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is WaFd, Inc. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

WaFd, Inc.

8.75%

0.64

28.42%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.86%

EBIT Growth (5y)

14.31%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.61%

Pledged Shares

Institutional Holding

85.92%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.50

EV to EBIT

18.79

EV to EBITDA

18.88

EV to Capital Employed

1.35

EV to Sales

4.47

PEG Ratio

0.51

Dividend Yield

1.54%

ROCE (Latest)

7.17%

ROE (Latest)

8.02%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company

NII(Q)

Highest at USD 171.11 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 82.3 MM

OPERATING PROFIT MARGIN(Q)

Highest at 25.52 %

PRE-TAX PROFIT(Q)

Highest at USD 82.3 MM

NET PROFIT(Q)

Highest at USD 64.2 MM

EPS(Q)

Highest at USD 0.79

-8What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 248.01 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 93.61%

NET SALES(Q)

Lowest at USD 322.5 MM

GROSS NPA (%)

Here's what is working for WaFd, Inc.

NII

Highest at USD 171.11 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 82.3 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 25.52 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 82.3 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 64.2 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.79

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for WaFd, Inc.

Net Sales

Lowest at USD 322.5 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

Non Performing Loans (%)

Highest at 0.95%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 93.61% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Operating Cash Flow

Lowest at USD 248.01 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)