WaFd Inc. (WAFD) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 14% of 52W Range • RSI-14 at 41.4 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Capital intensity & 0% operating margin leave 10 pts on the table
Even with a 70/100 (B-) score, WAFD faces multiple-compression risk if 9.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.85) or 200D SMA ($33.96) invalidates the momentum regime and cuts Target Base ($31.26) toward Bear Floor ($24.32).
WaFd Inc. (WAFD) advanced +1.16% to $29.66, trading at 14% of its 52-week range ($28.1 – $39.49). High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Sticky inflation, fresh Fed hikes to 3.75% to 4% and surging Treasury yields are reshaping where money is made in markets, as higher rates punish some sectors while potentially lifting net interest income for others. Inv
APO deepens its Middle East ties with a minority investment in Mubadala Capital, aiming to expand private-market opportunities and strengthen long-term asset management growth.
Rates are rising, inflation is stubborn and the Federal Reserve keeps signaling that money will stay expensive for longer than many hoped. That backdrop hurts some areas of the market, yet it can create rare openings for
WaFd’s updated framework now points to a modeled fair value shift from US$34.50 to US$31.75, with more focus on a tighter price target band in the low US$30s. This is consistent with recent Wall Street commentary, where
WaFd’s results for the third quarter reflected a combination of robust loan production in key segments and significant loan sale activity, with revenue growth of 6.8% year-over-year but a modest miss of Wall Street’s top
Piper Sandler analyst Matthew Clark maintains WaFd (NASDAQ:WAFD) with a Neutral and lowers the price target from $32 to $31.
Keefe, Bruyette & Woods analyst Kelly Motta maintains WaFd (NASDAQ:WAFD) with a Market Perform and lowers the price target from $40 to $34.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WAFD today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WAFD. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, WaFd Inc. (WAFD) ranks #147 by composite RQD confidence (70/100, grade B-) and #416 by equity capitalization ($2.19B). Within this direct 5-issuer industry benchmark cohort, WAFD leads on earnings valuation at 9.7x trailing P/E, while OFG leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. WAFD currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| WAFD
ACTIVE
WaFd Inc. | B- | 70/100 | 9.7x | — | 7.5% | +1.16% | $2.19B | Benchmark Subject |
| OFG OFG Bancorp | C | 63/100 | 10.5x | — | 14.8% | +0.26% | $2.15B | /ofg-vs-wafd → |
| NWBI Northwest Bancshares Inc. | C+ | 66/100 | 17.8x | — | 6.7% | +0.79% | $2.25B | /nwbi-vs-wafd → |
| EFSC Enterprise Financial Services Corporation | C+ | 66/100 | 11.2x | — | 9.9% | +0.08% | $2.26B | /efsc-vs-wafd → |
| SRCE 1st Source Corporation | D+ | 56/100 | — | — | — | +0.97% | $2.13B | /srce-vs-wafd → |
In its most recent audited fiscal period (FY2025, filed 2025-09-30), WaFd Inc. (WAFD) reported GAAP revenue of $29.6M (+7.8% vs. FY2024 revenue of $27.5M , and +13.8% cumulative change since FY2023) , GAAP net income of $226.1M, operating cash flow of $237.0M, and free cash flow of $208.2M (-49.8% YoY). On the balance sheet, WAFD closed FY2025 with $27.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-09-30 | $29.6M | $226.1M | $237.0M | $208.2M | $27.29B | — |
| FY2024 (FY) | 2024-09-30 | $27.5M | $200.0M | $439.2M | $414.6M | $27.68B | — |
| FY2023 (FY) | 2023-09-30 | $26.1M | $257.4M | $214.0M | $214.0M | — | — |
As of 2026-11-01, WaFd Inc. (NASDAQ: WAFD) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $29.66 (+1.16% 1D, market cap $2.19B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WAFD ranks #147 in composite RQD confidence.
Within the Financials sector (Major Banks), WAFD carries a Roarable B- (70/100 RQD), trailing P/E of 9.7x, gross margin of —, and ROIC of 7.5%. By comparison, OFG (OFG Bancorp) holds a C grade (63/100 RQD, P/E 10.5x, ROIC 14.8%, cap $2.15B) and NWBI (Northwest Bancshares Inc.) posts a C+ grade (66/100 RQD, P/E 17.8x, ROIC 6.7%, cap $2.25B). Among the 5-stock peer group, WAFD leads on earnings multiple (9.7x) while OFG leads on capital efficiency (14.8% ROIC).
Per WAFD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000936528), WaFd Inc. generated $29.6M in revenue (+7.8% YoY), $226.1M in net income, and $208.2M in free cash flow against $27.29B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
WAFD last traded at $29.66 (+1.16% on volume of 529,951 shares), positioning the stock -6.88% below its 50-day simple moving average ($31.85) and -12.66% below its 200-day simple moving average ($33.96). Across its 52-week range of $28.10 to $39.49, WAFD sits at the 13.7% percentile with a 14-day RSI of 41.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($28.30 to $31.02).
Why WAFD Stock advanced +1.16% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.