What is Wafd Inc worth?
With the base-case assumptions below, a discounted cash flow model on Wafd Inc's reported free cash flow gives $54.48 per share. The share price was $31.35 on September 25, 2026, 42% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -0.5% | 10.0% | $36.92 | +18% |
| Base | 4.5% | 9.0% | $54.48 | +74% |
| Bull | 9.5% | 8.0% | $88.69 | +183% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $66.99 | $70.79 | $75.43 | $81.24 | $88.70 |
| 8.0% | $57.67 | $60.14 | $63.05 | $66.54 | $70.81 |
| 9.0% | $50.86 | $52.54 | $54.48 | $56.75 | $59.43 |
| 10.0% | $45.66 | $46.85 | $48.21 | $49.76 | $51.55 |
| 11.0% | $41.56 | $42.44 | $43.42 | $44.52 | $45.78 |
Where the presets come from
Base: years 1 to 5 grow at Wafd Inc's revenue growth rate over the last 5 fiscal years (4.6% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions