WaFdWAFD +1.32%64 OCF Margin % is 40.16% as of Mar. 2026, which is 4% above its 10-year median of 38.79. GuruFocus rates WAFD with a GF Score™ of 64/100 and a GF Value™ of $30.58 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,501 Banks companies, WaFd ranks better than 57.23% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. WaFd's Cash Flow from Operations for the
three
months ended in Mar. 2026 was $79.4 Mil. WaFd's Revenue for the
three
months ended in Mar. 2026 was $197.7 Mil. Therefore, WaFd's OCF Margin % for the quarter that ended in Mar. 2026 was 40.16%.
The historical rank and industry rank for WaFd's OCF Margin % or its related term are showing as below:
WAFD'
s OCF Margin % Range Over the Past 10 Years
Min: 28.81 Med: 38.79 Max: 60.85
Current: 33.46
During the past 13 years, the highest OCF Margin % of WaFd was 60.85%. The lowest was 28.81%. And the median was 38.79%.
WAFD's OCF Margin % is ranked better than 57.23% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs WAFD: 33.46
WaFd OCF Margin % Related Terms
WaFd OCF Margin % Historical Data
* Premium members only.
The historical data trend for WaFd's OCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, WaFd's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, WaFd's OCF Margin % distribution charts can be found below:
* The bar in red indicates where WaFd's OCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
WaFd (WAFD) has a OCF Margin % of 40.16% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on WaFd and its competitors. This is near median its historical median of 38.79. Over the past decade, WaFd's OCF Margin % has ranged from 28.81 to 60.85. According to the industry distribution chart, WaFd ranks #642 out of 1501 companies in the Banks industry, placing it in the top 42.8%.
Is WaFd's OCF Margin % too high?
WaFd's current OCF Margin % of 40.16% is near median its 10-year median of 38.79. Over the past 10 years, this metric has ranged from a low of 28.81 to a high of 60.85. The Banks industry median OCF Margin % is 29.44. WaFd's value of 40.16% is 36.4% above this industry median. Based on the distribution chart, WaFd ranks #642 out of 1501 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to TRMK and FBK?
According to the Banks industry distribution chart, WaFd ranks #642 out of 1501 companies for OCF Margin %. This puts WaFd in the upper half of its industry. The industry median OCF Margin % is 29.44. WaFd's value of 40.16% is 36.4% above this benchmark. Historically, WaFd's own OCF Margin % has ranged from 28.81 to 60.85 over the past decade. While the company's 10-year median is 38.79 vs. the industry median of 29.44, WaFd has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. WaFd's current OCF Margin % of 40.16% is 36.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on WaFd and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WaFd's current OCF Margin % is 40.16%, which is near median its own 10-year median of 38.79. 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 $30.58, compared to a current price of $37.75 — trading 23.4% above its estimated fair value. The current OCF Margin % is 40.16%, which is near median its 10-year median of 38.79 and 36.4% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For WaFd (WAFD), the current OCF Margin % is 40.16% as of Mar. 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 $37.75 is trading 23.4% above its estimated GF Value™ of $30.58.
GuruFocus considers WaFd to be Modestly Overvalued.
Key valuation signals for WAFD:
OCF Margin %: 40.16% (near median its 10-year median of 38.79)
GF Value™: $30.58 vs. price of $37.75 (23.4% above fair value)
Industry Position: 36.4% above the Banks median (#642 of 1501)
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 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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