WAFD PEER ANALYSIS

WaFd, Inc. — metric-by-metric comparison with peers and the industry median

WAFDWaFd, Inc.

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

WAFDIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	WAFD	BOQ	BFL	EQB	KLNMA	BEN	Ind. Median
P/E	11.48	40.94	3.25●	25.90	10.20	—	12.88
P/B	0.97	0.69●	0.74	1.55	2.79	1.00	1.29
EV/EBITDA	16.92	67.07	-1.43●	54.62	7.18	—	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WAFD	BOQ	BFL	EQB	KLNMA	BEN	Ind. Median
Current Ratio	0.04	0.05	33.68●	0.09	—	0.03	0.31
Debt/Equity	104.5%	258.4%	9.1%	496.5%	0.0%●	142.6%	38.0%
NetDebt/EBITDA	7.74	49.89	-3.30●	40.36	-0.00	—	-0.58

Profitability
Metric	WAFD	BOQ	BFL	EQB	KLNMA	BEN	Ind. Median
Net Margin	18.3%	2.0%	30.2%	6.6%	58.1%●	—	20.6%
ROE	8.4%	1.6%	24.2%	6.1%	34.1%●	—	10.9%
ROA	0.9%	0.1%	2.9%	0.4%	5.4%●	—	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	WAFD	BOQ	BFL	EQB	KLNMA	BEN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	10.1%	-67.9%	—	-49.0%	42.3%●	—	19.4%
Div. Yield	1.4%	6.5%	22.6%●	1.6%	—	6.1%	2.5%
Payout	38.5%	256.1%	68.7%	43.2%	—	—	31.4%

Valuation
Metric	WAFD	FBK	CUBI	TRMK	PFS	TBBK	Ind. Median
P/E	11.48	20.73	9.77●	12.09	10.03	11.78	12.88
P/B	0.97●	1.48	1.28	1.29	1.07	3.90	1.29
EV/EBITDA	16.92	11.47	10.63	9.58	5.10●	9.17	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WAFD	FBK	CUBI	TRMK	PFS	TBBK	Ind. Median
Current Ratio	0.04	12.60●	2.77	1.37	0.18	0.02	0.31
Debt/Equity	104.5%	13.8%●	88.7%	44.5%	101.0%	32.0%	38.0%
NetDebt/EBITDA	7.74	0.43	4.23	1.28	-1.16●	0.43	-0.58

Profitability
Metric	WAFD	FBK	CUBI	TRMK	PFS	TBBK	Ind. Median
Net Margin	18.3%	18.7%	18.7%	19.0%	21.9%	29.7%●	20.6%
ROE	8.4%	10.9%	14.0%	10.9%	11.1%	30.3%●	10.9%
ROA	0.9%	1.3%	1.2%	1.2%	1.2%	2.4%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	WAFD	FBK	CUBI	TRMK	PFS	TBBK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	10.1%	52.9%	94.1%	-3.6%	107.9%●	5.9%	19.4%
Div. Yield	1.4%	1.4%	0.3%	2.1%	4.0%●	—	2.5%
Payout	38.5%	20.5%	2.6%	25.9%	40.9%	—	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.