--- title: "WaFd (WAFD): Is the Bank Undervalued After Its Recent Share Price Decline?" description: "WaFd (WAFD) has seen a decline in its share price, currently at $28.61, with a year-to-date return of -10.48% and a total shareholder return of -17.20%. The stock trades at a P/E ratio of 10.6x, below" type: "news" locale: "en" url: "https://longbridge.com/en/news/260792902.md" published_at: "2025-10-12T15:20:34.000Z" --- # WaFd (WAFD): Is the Bank Undervalued After Its Recent Share Price Decline? > WaFd (WAFD) has seen a decline in its share price, currently at $28.61, with a year-to-date return of -10.48% and a total shareholder return of -17.20%. The stock trades at a P/E ratio of 10.6x, below industry averages, suggesting potential undervaluation. A discounted cash flow model estimates its fair value at $52.88, indicating significant upside. Despite recent negative returns, the market may be overlooking WaFd's growth potential and strong earnings. WaFd (WAFD) has caught investor attention with its recent stock movement, as shares have tracked a downward path over the past month. This shift provides a fresh opportunity to explore the company’s underlying fundamentals and valuation. See our latest analysis for WaFd. Over the past year, WaFd’s share price has declined steadily. Momentum has faded as the year-to-date price return sits at -10.48% and the latest close at $28.61. The total shareholder return over the past twelve months stands at -17.20%, highlighting a tough period despite prior multi-year gains. Recent drops could signal the market reassessing growth prospects or risk in the current environment. If you’re curious about what other resilient companies are making moves right now, it could be the perfect time to broaden your outlook and discover fast growing stocks with high insider ownership Given WaFd’s downbeat momentum and discounted valuation, does this suggest an overlooked buying opportunity for patient investors, or is the market accurately valuing the bank’s prospects for future growth? ## Price-to-Earnings of 10.6x: Is it justified? WaFd’s stock currently trades at a price-to-earnings (P/E) ratio of 10.6x based on its recent closing price of $28.61, putting it at a discount to both the US Banks industry average (11.3x) and its peer group (12.6x). This suggests that the market may be undervaluing WaFd’s future earnings relative to similar banks. The price-to-earnings ratio captures how much investors are willing to pay for each dollar of the company’s current profits. For banks like WaFd, this ratio is a widely used metric to compare value and earnings power within the industry. Trading below not just the industry and peer averages, but also below the estimated fair P/E of 12.4x, WaFd’s lower multiple implies caution or missed recognition by investors despite its strong earnings growth and robust profit margins. If market sentiment improves or the company continues to deliver, there is room for re-rating toward the fair ratio level indicated by broader financial modeling. Explore the SWS fair ratio for WaFd **Result: Price-to-Earnings of 10.6x (UNDERVALUED)** However, persistent negative returns and market caution could signal that investor concerns about growth prospects or industry headwinds are not fully priced in. Find out about the key risks to this WaFd narrative. ## Another View: Discounted Cash Flow Model Suggests Deeper Value Our SWS DCF model offers a different perspective. It estimates WaFd’s fair value at $52.88, which is significantly higher than the current share price of $28.61. This suggests WaFd could be undervalued by a substantial margin. Could the market be overlooking something with this much potential upside? Look into how the SWS DCF model arrives at its fair value. Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out WaFd for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. ## Build Your Own WaFd Narrative If you have a different viewpoint or enjoy digging into the numbers yourself, you can craft your own perspective in just a few minutes. Do it your way A good starting point is our analysis highlighting 5 key rewards investors are optimistic about regarding WaFd. ## Looking for more investment ideas? Your next standout opportunity could be waiting right now, if you know where to look. Tap into smart tools, seize potential, and stay ahead with curated lists built for real investors who want results. - Capture impressive yields and target steady financial growth by checking out these 19 dividend stocks with yields > 3%, which offers robust and reliable income streams above 3%. - Spark your portfolio’s next breakthrough with these 24 AI penny stocks, a selection transforming multiple industries with advanced artificial intelligence capabilities. - Position yourself for growth at compelling valuations through these 892 undervalued stocks based on cash flows, focused on possibilities priced below their true potential based on underlying cash flows. *This article by Simply Wall St is general in nature. **We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.** It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.* ### Related Stocks - [WAFD.US - WaFd](https://longbridge.com/en/quote/WAFD.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | 華盛頓聯邦儲蓄的股東在虛擬年度會議上重新選舉了董事，並支持薪酬表決和德勤 | 華盛頓聯邦儲蓄 (NASDAQ: WAFD) 召開了第 44 屆年度股東大會，會議以虛擬形式進行，董事長 Stephen Graham 強調了該銀行 109 年的歷史。會議的主要議程包括選舉四名董事為期三年的任期、批准高管薪酬以及確認德勤為 | [Link](https://longbridge.com/en/news/274916450.md) | | 華盛頓聯邦儲蓄（NASDAQ:WAFD）的執行副總裁出售了價值 178,981 美元的股票 | WaFd, Inc. 的執行副總裁 Cathy Cooper 出售了 5,300 股股票，交易金額為 178,981 美元，平均價格為 33.77 美元，減少了她的持股比例 5.30%。出售後，她持有 94,755 股，估值約為 320 萬 | [Link](https://longbridge.com/en/news/275185087.md) | | 華盛頓聯邦儲蓄公司公佈第一季度淨收入為 6420 萬美元 | WaFd Inc. 報告稱，截至 2025 年 12 月 31 日的第一季度淨收入為 6420 萬美元。股東權益為 30.4 億美元，一級槓桿比率為 9.44%。公司支付了 2036 萬美元的普通股股息，並回購了 5802 萬美元的庫存股。 | [Link](https://longbridge.com/en/news/274856053.md) | | 在近期股價變動後，重新審視 CBL & Associates Properties (CBL) 的估值 | CBL & Associates Properties (CBL) 的股價走勢表現不一，過去一週下跌了 3.6%，過去一個月下跌了 3%，但在過去三個月中上漲了 10%。該股票在過去一年中的總回報約為 16%。目前交易價格為 35.05 美 | [Link](https://longbridge.com/en/news/275993825.md) | | 華盛頓聯邦儲蓄的財報即將公佈；最準確的分析師們在財報電話會議之前調整了他們的預測 | WaFd, Inc.（納斯達克代碼：WAFD）定於 1 月 15 日發佈其第一季度財報，預計每股收益為 75 美分，高於去年的 62 美分。預計收入為 1.9283 億美元，較去年的 1.7113 億美元有所增長。最近，Colin Murp | [Link](https://longbridge.com/en/news/272589872.md) | --- > **Disclaimer**: This article is for reference only and does not constitute any investment advice.