What is the 13F Pro Quality Score for WAFD?

13F Pro ranks WAFD INC (WAFD) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View WAFD's current score at https://13fpro.ai/research/WAFD (free sign-up required for the full ranking).

Where does 13F Pro source WAFD data?

All WAFD INC fundamentals and ownership data come directly from SEC EDGAR. WAFD INC files with the SEC under CIK 936528. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is WAFD in?

WAFD INC (WAFD) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is WAFD research updated on 13F Pro?

WAFD's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

WAFD INC(WAFD)Stock Analysis

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13F Pro Quality Score

55.8/100

Rank #1,139 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

56.1/100

Profitability

98.9/100

Balance Sheet

42.4/100

Earnings Quality

29.9/100

Free Cash Flow

98.6/100

Institutional Flow

14.7/100

Revenue Scale

7.2/100

Dilution Risk

6.7/100

WAFD Stock Analysis & AI Quality Score

AI stock analysis and institutional research for WAFD INC (WAFD), a Financials sector company. 13F Pro's AI-powered ranking engine scores WAFD at 55.8/100 on a 32-signal composite quality model, placing it at rank #1,139 of 2,879 stocks — the top half of the AI-ranked universe. WAFD scores in the top quartile across profitability (98.9), free cash flow (98.6). Areas of concern include revenue scale (7.2) and institutional flow (14.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 6.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), WAFD INC reports quarterly revenue of $191.4M, net income of $64.2M, an operating margin of 43.0%. Top institutional holders of WAFD by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. WAFD trades on the Nasdaq exchange and files with the SEC under CIK 936528. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate WAFD daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for WAFD INC directly from SEC EDGAR. WAFD INC's 13F Pro composite quality score has ranged between 56 and 65 since 2023, currently 55.8 — a declining long-term trajectory across 17 quarterly and live scoring snapshots.

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Fun facts about WAFD INC

Quirks, history, and lore behind WAFD — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · listed on Nasdaq · headquartered in Phoenix, Arizona · operating across the American West.
2
The Numbers
Total assets in the range of $20 billion, with a branch network spread across roughly a dozen western states — not tiny, not megabank.
3
The History
Originally founded in the Pacific Northwest as a savings institution in the early 20th century, it gradually evolved from a thrift into a full-service commercial bank.
4
The Secret
It completed a significant expansion by acquiring Luther Burbank Corporation, adding California muscle to its already wide western footprint.
5
The Lore
For decades it was known as Washington Federal, a name that screamed its Pacific Northwest savings-bank roots — before a rebrand gave it a snappier ticker-friendly identity.
6
The Giveaway
Formerly Washington Federal Bank, it rebranded under a four-letter ticker that doubles as its new corporate name — because "WaFd" is apparently more fun to say than "Washington Federal."

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Revenue

Q1 2026

$191.4M

Net Income

Q1 2026

$64.2M

Free Cash Flow

Q1 2026

$50.0M

Operating Margin

Q1 2026

43.0%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+0.4% YoY

$26.1MFY 2023

FY20 $23.7MFY21 $24.7MFY22 $25.9MFY23 $26.1M

Net Income

+8.9% YoY

$257.4MFY 2023

FY20 $173.4MFY21 $183.6MFY22 $236.3MFY23 $257.4M

EPS (Diluted)

+9.7% YoY

$3.72FY 2023

FY20 $2.26FY21 $2.39FY22 $3.39FY23 $3.72

Total Assets

+8.2% YoY

$22.47BFY 2023

FY20 $18.79BFY21 $19.65BFY22 $20.77BFY23 $22.47B

Op. Cash Flow

-20.3% YoY

$214.0MFY 2023

FY20 $166.6MFY21 $314.5MFY22 $268.5MFY23 $214.0M

Metric	FY 2023	FY 2022	FY 2021	FY 2020	FY 2018	FY 2017
Revenue	$26.1M +0.4%	$25.9M +5.1%	$24.7M +4.2%	$23.7M -8.5%	$25.9M	—
Net Income	$257.4M +8.9%	$236.3M +28.7%	$183.6M +5.9%	$173.4M -14.9%	$203.8M +17.5%	$173.5M
EPS (Diluted)	$3.72 +9.7%	$3.39 +41.8%	$2.39 +5.8%	$2.26 -5.8%	$2.40 +23.7%	$1.94
Total Assets	$22.47B +8.2%	$20.77B +5.7%	$19.65B +4.6%	$18.79B +18.5%	$15.87B +4.0%	$15.25B
Operating Cash Flow	$214.0M -20.3%	$268.5M -14.6%	$314.5M +88.7%	$166.6M -12.6%	$190.7M +6.1%	$179.7M

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Available Research

13F Pro tracks comprehensive data for WAFD INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of WAFD

BlackRock, Inc.
$346.8M11,044,196 sh
DIMENSIONAL FUND ADVISORS LP
$155.3M4,945,524 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$151.4M4,820,545 sh
STATE STREET CORP
$132.4M4,215,623 sh
ALLIANCEBERNSTEIN L.P.
$114.5M3,574,574 sh
VANGUARD CAPITAL MANAGEMENT LLC
$107.6M3,427,275 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$102.2M3,254,587 sh
AMERICAN CENTURY COMPANIES INC
$69.4M2,210,347 sh
GEODE CAPITAL MANAGEMENT, LLC
$61.3M1,952,330 sh
SYSTEMATIC FINANCIAL MANAGEMENT LP
$48.3M1,538,351 sh

Fund	Value	Shares
BlackRock, Inc.	$346.8M	11,044,196
DIMENSIONAL FUND ADVISORS LP	$155.3M	4,945,524
VANGUARD PORTFOLIO MANAGEMENT LLC	$151.4M	4,820,545
STATE STREET CORP	$132.4M	4,215,623
ALLIANCEBERNSTEIN L.P.	$114.5M	3,574,574
VANGUARD CAPITAL MANAGEMENT LLC	$107.6M	3,427,275
FULLER & THALER ASSET MANAGEMENT, INC.	$102.2M	3,254,587
AMERICAN CENTURY COMPANIES INC	$69.4M	2,210,347
GEODE CAPITAL MANAGEMENT, LLC	$61.3M	1,952,330
SYSTEMATIC FINANCIAL MANAGEMENT LP	$48.3M	1,538,351

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Is WAFD a good stock to buy?

13F Pro's AI-powered analysis of WAFD INC (WAFD) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for WAFD are available on the WAFD stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own WAFD?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling WAFD. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of WAFD INC's investment landscape.