WFSLW (Washington Federal) Moat Score: 5/10 (As of Jun. 27, 2026)


WFSLW Washington Federal Inc WFSLW
64 GF Score
Price $4.00
! 9 Warning Signs
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What is Washington Federal Moat Score?

Washington Federal WFSLW 64 Moat Score is 5 as of Jun. 27, 2026. GuruFocus rates WFSLW with a GF Score™ of 64/100. The stock has 9 warning signs investors should review. Among 1,610 Banks companies, Washington Federal ranks better than 93.98% on this metric.

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

Washington Federal 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 Washington Federal might have Narrow Moat - Solid narrow moat.

Washington Federal  (NAS:WFSLW) 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

Washington Federal Moat Score Related Terms

WFSLW vs TRMK, FBK, CUBI: Moat Score Comparison

For the Banks - Regional subindustry, Washington Federal'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.

Washington Federal Moat Score vs Banks Industry

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

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


WFSLW
64GF Score
Washington Federal Inc WFSLW
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?
Washington Federal (WFSLW) 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, Washington Federal ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is Washington Federal's Moat Score too high?
Washington Federal's current Moat Score is 5. Based on the distribution chart, Washington Federal ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Washington Federal has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Washington Federal's Moat Score compare to TRMK and FBK?
According to the Banks industry distribution chart, Washington Federal ranks #97 out of 1610 companies for Moat Score. This places Washington Federal 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. Washington Federal'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 Washington Federal stock overvalued right now?
Washington Federal (WFSLW) has a current Moat Score of 5. The current Moat Score is 5. Washington Federal'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 Washington Federal (WFSLW), 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.

Washington Federal Business Description

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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