WaFd (WAFD) reported $188.3 million in revenue for the quarter ended September 2025, representing a year-over-year decline of 0.2%. EPS of $0.72 for the same period compares to $0.70 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $190.22 million, representing a surprise of -1.01%. The company delivered an EPS surprise of -4%, with the consensus EPS estimate being $0.75.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how WaFd performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 56.8% versus the two-analyst average estimate of 55.5%.
- Net Interest Margin: 2.7% versus the two-analyst average estimate of 2.7%.
- Net charge-offs average loans: 0% versus the two-analyst average estimate of 0.1%.
- Total Non-performing Assets: $143.02 million versus the two-analyst average estimate of $98.38 million.
- Average balance - Total interest-earning assets: $24.84 billion versus the two-analyst average estimate of $25.07 billion.
- Total Non-accrual loans: $128.63 million versus the two-analyst average estimate of $83.91 million.
- Total noninterest income: $18.39 million versus the two-analyst average estimate of $18.19 million.
- Net Interest Income: $169.91 million versus $172.05 million estimated by two analysts on average.
View all Key Company Metrics for WaFd here>>>
Shares of WaFd have returned -7.1% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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WaFd, Inc. (WAFD): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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