Why WaFd (WAFD) Is Up 7.7% After Beating Earnings And Returning To Loan Growth – And What's Next

Simply Wall St.

Apr 21

In the past quarter, WaFd, Inc. reported adjusted earnings of US$0.83 per share, topping analyst estimates as higher net interest and non-interest income offset pressures from lower loans and deposits...

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At the same time, WaFd posted its first quarter of net loan growth in over a year, driven by a strong rebound in its actively managed commercial and industrial portfolio, aligning with its Build 2030 push to become a more business-focused bank. Next, we’ll examine how this return to active loan growth, particularly in commercial and industrial lending, may influence WaFd’s investment narrative. Capitalize on the AI infrastructure supercycle with our selection of the 38 best 'picks and shovels' of the AI gold rush converting record-breaking demand into massive cash flow.AdvertisementWaFd Investment Narrative RecapTo own WaFd, you need to believe in its shift toward higher yielding business banking while it manages credit and funding risks. The latest quarter’s earnings beat, share buybacks, and return to net loan growth support that transition, but softer credit quality and higher expenses keep near term asset quality and cost control as the key swing factors. Overall, this news does not appear to materially change the biggest risks or the core Build 2030 catalyst. The most relevant update here is WaFd’s first quarter of net loan growth in over a year, driven by a rebound in its actively managed commercial and industrial book. That aligns directly with the Build 2030 aim to grow the active loan portfolio and tilt further into business lending, a catalyst that could matter more if deposit mix and credit costs move in the right direction alongside that growth. Yet even with improving C&I momentum, investors should be aware of how softer credit quality could... Read the full narrative on WaFd (it's free!)WaFd's narrative projects $886.1 million revenue and $269.3 million earnings by 2028. This requires 7.3% yearly revenue growth and about a $57.9 million earnings increase from $211.4 million today.Uncover how WaFd's forecasts yield a $31.00 fair value, a 12% downside to its current price.Exploring Other PerspectivesWAFD 1-Year Stock Price Chart Three fair value estimates from the Simply Wall St Community span roughly US$31 to US$37 per share, showing how differently individual investors view WaFd’s potential. You can weigh those views against WaFd’s push into higher yielding commercial and industrial loans, which could be an important driver of how its earnings power evolves over time.Explore 3 other fair value estimates on WaFd - why the stock might be worth 12% less than the current price!Decide For YourselfDisagree with existing narratives? Extraordinary investment returns rarely come from following the herd, so go with your instincts.A great starting point for your WaFd research is our analysis highlighting 3 key rewards that could impact your investment decision.Our free WaFd research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate WaFd's overall financial health at a glance.Looking For Alternative Opportunities?Markets shift fast. These stocks won't stay hidden for long. Get the list while it matters:Outshine the giants: these 19 early-stage AI stocks could fund your retirement.Explore 25 top quantum computing companies leading the revolution in next-gen technology and shaping the future with breakthroughs in quantum algorithms, superconducting qubits, and cutting-edge research.The future of work is here. Discover the 34 top robotics and automation stocks leading the charge in AI-driven automation and industrial transformation.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    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\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if WaFd might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}