WaFd (WAFD) Moat Score: 5/10 (As of Jun. 27, 2026)


WAFD WaFd Inc WAFD
64 GF Score
Price $37.92
GF Value $30.59
Valuation Modestly Overvalued
! 9 Warning Signs
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What is WaFd Moat Score?

WaFd WAFD -0.13% 64 Moat Score is 5 as of Jun. 27, 2026. GuruFocus rates WAFD with a GF Score™ of 64/100 and a GF Value™ of $30.59 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,610 Banks companies, WaFd ranks better than 93.98% on this metric.

WaFd has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

WaFd has Narrow Moat: WaFd Inc has a solid narrow moat with a strong regional presence and customer loyalty. It benefits from economies of scale and a stable distribution network, but lacks significant intellectual property or regulatory barriers to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes WaFd might have Narrow Moat - Solid narrow moat.

WaFd  (NAS:WAFD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

WaFd Moat Score Related Terms

WAFD vs TRMK, FBK, CUBI: Moat Score Comparison

For the Banks - Regional subindustry, WaFd's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

WaFd Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, WaFd's Moat Score distribution charts can be found below:

* The bar in red indicates where WaFd's Moat Score falls into.


WAFD
64GF Score
WaFd Inc WAFD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
WaFd (WAFD) has a Moat Score of 5 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, WaFd ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is WaFd's Moat Score too high?
WaFd's current Moat Score is 5. Based on the distribution chart, WaFd ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, WaFd has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WaFd's Moat Score compare to TRMK and FBK?
According to the Banks industry distribution chart, WaFd ranks #97 out of 1610 companies for Moat Score. This places WaFd in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. WaFd's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WaFd stock overvalued right now?
Based on GuruFocus' analysis, WaFd (WAFD) is currently considered Modestly Overvalued. The stock's GF Value™ is $30.59, compared to a current price of $37.92 — trading 24% above its estimated fair value. The current Moat Score is 5. WaFd's overall GF Score™ is 64/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For WaFd (WAFD), the current Moat Score is 5 as of Jun. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is WaFd (WAFD) Overvalued in 2026?

Based on GuruFocus' analysis, WaFd stock appears to be overvalued. The current stock price of $37.92 is trading 24% above its estimated GF Value™ of $30.59. GuruFocus considers WaFd to be Modestly Overvalued.

Key valuation signals for WAFD:

  • Moat Score: 5
  • GF Value™: $30.59 vs. price of $37.92 (24% above fair value)
  • GF Score™: 64/100 with 9 warning signs

No single metric tells the full story. See the WAFD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

WaFd Business Description

Other Exchanges WAFDP.PFD:USAWAO:Germany
Address 425 Pike Street, Seattle, WA, USA, 98101
WaFd Inc is engaged in providing lending, depository, insurance, and other banking services to consumers, mid-sized to large businesses, and owners and developers of commercial real estate. Through the WaFd Bank, it is involved in accepting deposits from the general public and investing these funds in loans of various types, including first-lien mortgages on single-family dwellings, construction loans, land acquisition and development loans among others. The Bank also invests in certain United States government and agency obligations along with other investments and also performs insurance brokerage activities. Geographically, it operates in Washington, Oregon, Idaho, Arizona, Utah, Nevada, New Mexico, California and Texas.
64GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.92
Price
$30.59
GF Value