WaFd, Inc. (WAFD)vsWells Fargo & Company (WFC)
WAFD
WaFd, Inc.
$29.27
-0.34%
FINANCIAL SERVICES · Cap: $2.17B
WFC
Wells Fargo & Company
$85.79
-0.05%
FINANCIAL SERVICES · Cap: $250.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 10608% more annual revenue ($83.11B vs $776.20M). WAFD leads profitability with a 33.0% profit margin vs 27.6%. WFC appears more attractively valued with a PEG of 1.30. WFC earns a higher WallStSmart Score of 74/100 (B).
WAFD
Strong Buy70
out of 100
Grade: B-
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 45.2%
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.2%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 8.9B in free cash flow
Areas to Watch
Expensive relative to growth rate
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : WAFD
The strongest argument for WAFD centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.0% and operating margin at 45.2%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
WAFD profiles as a mature stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 0.95 — expect wider price swings.
WAFD is growing revenue faster at 8.2% — sustainability is the question.
WFC generates stronger free cash flow (8.9B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 70/100), backed by strong 27.6% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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