Wafd Inc (WAFD) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Wafd reported revenue of $725.5M, up 0.5% from $721.5M the year before. Net income was $226.1M (a 31.2% net margin), or $2.63 per diluted share. Net interest income was $654.2M, and the efficiency ratio (noninterest expense / revenue) was 58.9%. Operating activities generated $237.0M of cash, leaving $208.2M of free cash flow. At fiscal year end, Wafd held $26.70B in total assets against $23.66B in total liabilities, including $657.3M of cash and equivalents.
Open the full interactive Wafd financials → Quarterly statements, key ratios, valuation history and price charts.
Wafd Key Stats
| Share Price | $29.34 |
|---|---|
| Market Cap | $2.17B |
| P/E Ratio | 11.2 |
| Revenue YoY Growth | +0.5% |
| 52-Week Range | $26.96 – $39.03 |
| Shares Outstanding | 73.9 million (basic, 2026 Q3) |
Wafd Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $469.5M | $505.1M | $594.6M | $690.2M | $660.8M | $654.2M |
| Provision for Credit Losses | $21.8M | $500,000 | $3.0M | $41.5M | $17.5M | $7.8M |
| Noninterest Income | $87.0M | $60.6M | $66.4M | $52.2M | $60.7M | $71.2M |
| Noninterest Expense | $315.6M | $332.5M | $358.6M | $376.0M | $448.3M | $427.5M |
| Revenue | $556.5M | $565.7M | $661.0M | $742.4M | $721.5M | $725.5M |
| Pre-Tax Income | $219.2M | $233.1M | $300.0M | $325.1M | $256.1M | $289.6M |
| Income Tax | $45.7M | $49.5M | $63.7M | $67.7M | $56.0M | $63.6M |
| Net Income | $173.4M | $183.6M | $236.3M | $257.4M | $200.0M | $226.1M |
| Diluted EPS | $2.26 | $2.39 | $3.39 | $3.72 | $2.50 | $2.63 |
Wafd Quarterly Results
| 2025 Q4 | 2026 Q1 | 2026 Q2 | 2026 Q3 | |
|---|---|---|---|---|
| Revenue | $188.3M | $191.4M | $197.4M | $205.5M |
| Net Income | $60.6M | $64.2M | $65.5M | $66.1M |
| Diluted EPS | $0.76 | $0.79 | $0.82 | $0.84 |
Wafd Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.70B | $2.09B | $684.0M | $980.6M | $2.38B | $657.3M |
| Loans (Net) | — | $13.83B | $16.11B | $17.48B | $20.92B | $20.09B |
| Total Assets | $18.79B | $19.65B | $20.77B | $22.47B | $28.06B | $26.70B |
| Deposits | $13.78B | $15.54B | $16.03B | $16.07B | $21.37B | $21.44B |
| Total Long-Term Debt | $2.70B | $1.72B | $2.12B | $3.65B | $5.51B | $1.82B |
| Total Liabilities | $16.78B | $17.52B | $18.50B | $20.05B | $25.06B | $23.66B |
| Shareholders' Equity | $2.01B | $2.13B | $2.27B | $2.43B | $3.00B | $3.04B |
Wafd Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $166.6M | $314.5M | $268.5M | $214.0M | $439.2M | $237.0M |
| Cash From Investing | -$921.0M | -$579.7M | -$2.49B | -$1.38B | $3.29B | -$318.4M |
| Cash From Financing | $2.04B | $653.1M | $817.9M | $1.46B | -$2.33B | -$1.64B |
| Free Cash Flow | $134.7M | $285.0M | $256.7M | $198.9M | $414.6M | $208.2M |
Figures from Wafd's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Wafd financials page for every line item.
Wafd Company Profile
| Ticker | WAFD |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Seattle, Washington |
| Incorporated in | Washington |
| Fiscal Year End | September 30 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000936528 |
Frequently Asked Questions
What was Wafd's revenue in fiscal 2025?
Wafd (WAFD) reported revenue of $725.5M for fiscal 2025.
What is Wafd's annual revenue history?
Wafd's annual revenue by fiscal year: 2020: $556.5M; 2021: $565.7M; 2022: $661.0M; 2023: $742.4M; 2024: $721.5M; 2025: $725.5M.
What was Wafd's net income in fiscal 2025?
Wafd reported net income of $226.1M for fiscal 2025.
What was Wafd's earnings per share (EPS) in fiscal 2025?
Wafd's diluted EPS was $2.63 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Wafd generate in fiscal 2025?
Wafd generated $208.2M of free cash flow in fiscal 2025.
What was Wafd's revenue last quarter?
In its most recent reported quarter (2026 Q3), Wafd reported revenue of $205.5M.
How much debt does Wafd have?
Wafd reported $1.82B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Wafd are outstanding?
Wafd reported a weighted average of 73.9 million basic shares outstanding in 2026 Q3.
What is Wafd's market cap?
Based on its latest closing price, Wafd (WAFD) has a market capitalization of about $2.17B.
When does Wafd's fiscal year end?
Wafd's fiscal year end, as registered with the SEC, is September 30.
Where is Wafd headquartered?
Wafd lists its business address in Seattle, Washington in its SEC filings.