WaFd (WAFD) stock

Loans and deposits , market cap $2.2B

Loans and deposits

Worth $2.2B

$29.44

-0.81%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Below Average

In its industry

#150of 168

Banks

Checks firing

2of 14

Trending down

From 52-week high

-25.4%

under its best in a year

WAFD's Quality Score was unchanged on Tue, Nov 10, at 2.

See WAFD's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

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Why is WAFD down?

Down 2% over five years while the S&P 500 rose 72%.

Its Oct 16 results: fourth-quarter total non-interest expense was $121.5M, up 10.1%. It fell 3% on Oct 19.

Sources: Price history, Nov 9, 2026; Company release, Oct 16, 2026

1 more reason, free with an account →The other side, how the business stands, and the timeline, for Pro members.

Key facts on WAFD

Key facts on WAFD
Holding it back	Below its 200-day since September
Latest filing	8-K, Nov 9 Reported a change of officers or directors

1 more reason behind WAFD's 2, free with an account →1 more reason behind WAFD's 2, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

What's next

Wed Dec 16: Special Shareholder MeetingDate confirmed.

WAFD catalysts

Coming up

After its last 4 reports it closed -2.2% on average, higher 0 of 4 times.

10 past catalysts since 2018, with sizes and sources, for Pro members.

Why WAFD scores 2

Below Averagefor quality, not price, 2 of 14 chart checks firingWhat the Quality Score means

+2Chart checks 2 of 14 firing right now, one point each
−2Long-term trend below a falling 200-⁠day average, down over two years

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

No effect today: Run-up, Size, Dilution, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on WAFD and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:18 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when WAFD's Quality Score turns up

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How WAFD ranks in Banks

WAFD is #150 of 168 by Quality Score.

How WAFD ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	USBU.S. Bancorp		Open for its score
	VLYValley National Bancorp		Open for its score
	WALWestern Alliance Bancorporation		Open for its score
	WFCWells Fargo		Open for its score
150	WAFDWaFd	2/14	2

When does WAFD report earnings, and what happens after?

Expected to report Thu Jan 14, after the close (in 65 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What WAFD reported on Oct 16, 2026

The quarter

The figures are not read from the release yet.

“The increase was primarily driven by a $16.4 million gain on the sale of single family loans during the quarter.”

The filing on EDGAR

Where the sales came from

WAFD's results filing gives no sales by line in a table we read.

The outlook

The outlook the company gave, by period
Measure	Figure
When the sale is finalized
Net gain on multifamily loan sale	about $7M

Figures as filed (SEC filing, Oct 16)

In the company's words

“In spite of the recent surge in interest rates to their highest level in the last twenty years, with the 10 year bond at levels above 5.20%, WaFd is well positioned to benefit from rising rates as our assets are expected to reprice more quickly than our liabilities resulting in expansion of our margin over the short term.”

From its results filing (SEC filing · Oct 16)

The numbers

Market value: $2.2B; today
Sales: $31.6M; up 10.1% on the year

EPS grew 3.1% a year over 5 years, fiscal 2020 to 2025.

Pays $1.08 a share a year.

2 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on WAFD: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

-0.1%-3.4%-2.5%

Apr 17Jul 17Oct 16

Reported	When	Gap	Reaction	5 days
Oct 16, 2026After close	After close	-0.5%	-2.5%	+1.1%
Jul 17, 2026No time given	No time given	-0.2%	-3.4%	-3.6%
Apr 17, 2026No time given	No time given	-0.4%	-0.1%	-0.1%

WAFD closed higher after 0 of its last 4 reports.

All 4 reports, and WAFD's Quality Score going into each

WAFD sales and profit by year

Sales and profit by year

Sales grew in five of the last seven years, to $29.6M in 2025. It made a profit in each of the eight years.

WAFD has 2 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on WAFD, and all 14 on every stock.Get in free →

WAFD RSI today: 44.8, below its 50-day and 200-day averages

Not scored

RSI 44.8, MACD above signal, below both averages. Not scored.13 readings

The deep dive on WAFD

What it does and how it makes money1 findingFor Pro members1 finding on what WAFD does and how it makes money, for Pro members
Who holds and trades it2 findings1 trade by 1 member of Congress or the government disclosed in 90 days; the newest filed by Donald Trump on Sep 22, 2026.Periodic transaction report

Is WAFD's dividend covered? What its financials say

Its dividends come to 35% of its free cash flow.

WAFD's dividend against its free cash flow
Dividend	$1.08 a share a year Paid 4 times a year
Paid out	About $79.9M a year $1.08 a share on 74M shares, the count on its cover page as of Jul 31, 2026
Free cash flow	$227M The last four quarters, to Jun 30, 2026

WAFD insider trades

WAFD trades by Congress and the executive branch

One trade disclosed in the last six months. The newest:

SellDonald Trump$15K to $50KPresident (R)traded Jul 29, disclosed Sep 22(55 days later)

SellDonald TrumpPresident (R)$15K to $50Ktraded Jul 29, disclosed Sep 22(55 days later)

See what Congress is buying across the market

WAFD's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Brent J. BeardallPresident & CEO · 2 trades
Kelli HolzEVP & CFO · no trades on file
Cathy E. CooperEVP & Chief Consumer Banker · 1 trade
Kim E. RobisonEVP & Chief Operations Officer · 1 trade
Blayne SandenSVP & PAO · no trades on file
Ryan MauerEVP & Chief Credit Officer · no trades on file
Bradley M. ShusterDirector · no trades on file
David K. GrantDirector · no trades on file

8 more officers and directors file at WAFD.

See insider trades by person

Which ETFs hold WAFD?

In ETFs: WAFD is under 0.1% of VYM and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.

About WaFd

WaFd Inc is engaged in providing lending, depository, insurance, and other banking services to consumers, mid-sized to large businesses, and owners and developers of commercial real estate. Through the WaFd Bank, it is involved in accepting deposits from the general public and investing these funds in loans of various types, including first-lien mortgages on single-family dwellings, construction loans, land acquisition and development loans among others. The Bank also invests in certain United States government and agency obligations along with other investments and also performs insurance brokerage activities. Geographically, it operates in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, California and Texas.

2,037 employeesSeattle, WAwafdbank.com

What WaFd says it competes with

“We operate in a highly competitive environment.”

From its annual report, SEC filing · Nov 18, 2025

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14 chart checks, read for you
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What would turn WAFD's score around: 6 things
5 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawaySep 22Donald Trump sold WAFD$15K to $50K, disclosed Sep 22

Alerts are optional.

See WAFD's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: WAFD's Quality Score is 2 (Below Average), #150 of 168 in Banks.

What does WAFD's Quality Score say?

WAFD scores 2 today, which Breakaway calls Below Average. It is #150 of 168 in Banks by Quality Score, with 2 of 14 chart checks firing. Down 2% over five years while the S&P 500 rose 72%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is WAFD's Quality Score?

WAFD scores 2 today, which Breakaway calls Below Average (0 to 5). That is #150 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind WAFD's 2.

When does WAFD report earnings?

Expected to report Thu Jan 14, after the close, a date Breakaway expects from the company's usual timing; the company has not confirmed it. WAFD closed higher after 0 of its last 4 reports. Past behavior, not a forecast.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.