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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

UMB Financial Corp.

Texas Capital Bancshares, Inc.

Fulton Financial Corp.

Axos Financial, Inc.

F.N.B. Corp. (Pennsylvania)

Community Bank System, Inc.

First Financial Bankshares, Inc.

Associated Banc-Corp

Cadence Bank

WaFd, Inc.

Simmons First National Corp.

Why is WaFd, Inc. ?

Flat results in Jun 25

NET SALES(Q) Lowest at USD 331.71 MM
GROSS NPA (%)(Q) Highest at 0.4%
CASH AND EQV(HY) Lowest at USD 2,040.71 MM

With ROA of 0.67%, it has a fair valuation with a 1.45 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 -13.85%, its profits have risen by 23%

High Institutional Holdings at 85.76%

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

Below par performance in long term as well as near term

Along with generating -13.85% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

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, High Return

Absolute

Risk Adjusted

Volatility

WaFd, Inc.

-10.13%

0.80

29.31%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.60%

EBIT Growth (5y)

1.89%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

41.27%

Pledged Shares

Institutional Holding

85.76%

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

1.45

EV to EBIT

22.55

EV to EBITDA

19.17

EV to Capital Employed

1.32

EV to Sales

3.92

PEG Ratio

Dividend Yield

1.56%

ROCE (Latest)

5.84%

ROE (Latest)

7.56%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bearish

Dow Theory

Mildly Bullish

OBV

No Trend

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

4What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 24.04 %

-7What is not working for the Company

NET SALES(Q)

Lowest at USD 331.71 MM

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 2,040.71 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 95.74%

Here's what is working for WaFd, Inc.

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 Margin

Highest at 24.04 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

CASA

Highest at 13.36%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

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

Net Sales

Lowest at USD 331.71 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 0.4%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Fallen at -15.37%

Year on Year (YoY)

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Cash and Eqv

Lowest at USD 2,040.71 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 95.74%

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 (%)