WaFd, Inc. (WAFD)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$29.49-2.12%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · WAFD
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -23.7% |
| Our one-year growth estimate | diamond | -21.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 2.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
WAFD — dividend update
Dated 2026-09-08
Entry into a Material Definitive Agreement. Merger Agreement On September 6, 2026, WaFd, Inc., a Washington corporation (“ WaFd ”), entered into an Agreement and Plan of Merger (the “ Merger Agreement ”) with EverBank Financial Corp, a Delaware corporation (“ EverBank ”). The Merger Agreement provides that, upon the terms and subject to the conditions set forth therein, EverBank will merge with and into WaFd (the “ Merger ”), with WaFd continuing as the surviving corporation in the Merger (th…
Why it matters: WaFd says its assets may reset faster than its funding costs. A higher margin would support earnings.
Supportive ifQuarterly net interest margin tops 2.81% in a coming report.
Worry ifNet interest margin stays at or below 2.81% as deposit or borrowing costs rise.
Why it matters: The deal announcement cites about 29% EPS accretion for WaFd holders. Results can test that claim.
Supportive ifAfter the merger, WaFd reports that 2027 EPS is tracking at least 29% above its stand-alone level.
Worry ifWaFd lowers the stated 29% accretion figure or reports that deal costs cut into the gain.
Why it matters: Commercial loans made up 95% of fiscal 2026 originations. More growth would support WaFd's stated lending focus.
Supportive ifWaFd reports active loan growth above 7.9% year over year, with commercial loans still most of originations.
Worry ifActive loan growth falls below 7.9% year over year, or commercial originations shrink.
Why it matters: A large loan resolution drove much of the drop in bad-loan measures. New losses could undo that improvement.
Worry ifQuarterly net charge-offs stay near or above $39 million. Or non-performing assets rise above 0.49% of assets.
Less concerning ifNet charge-offs fall well below $39 million and non-performing assets stay at or below 0.32% of assets.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$83 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $235 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,790 loss on $10,000 · 27.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.