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.Free Report: Profiting from the 2nd Wave of AI Explosion
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This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
