Based on Clarity's multi-model valuation engine, WAFD INC (WAFD) has an estimated fair value of $53.34 per share, compared to its current market price of $31.00. The stock is currently trading 72.1% below Clarity's fair value estimate, resulting in a verdict of SIGNIFICANTLY UNDERVALUED.

This valuation blends 5 independent models — including Comparable Companies, Residual Income, Discounted Cash Flow (DCF), and 2 more. The primary weight is given to the Comparable Companies model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 5 models show moderate agreement with a 34% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 74.6% probability that the stock is trading below its intrinsic value, with a median simulated value of $45.16.

Clarity's 1-year price target is $45.00, reflecting expected earnings growth and margin trajectory.

WAFD INC is classified under the Bank sector, and this valuation is based on 10-K · Filed 2025-11-18 filings sourced directly from SEC EDGAR. All models use trailing twelve month (TTM) financials where available, with sector-appropriate growth and discount rate assumptions.