WaFd vs First Financial
WaFd and First Financial are compared on this page to illuminate differences in their business models, their financial performance, and the market context in which they operate. The aim is to present clear, accessible information for readers seeking an impartial overview. Educational content, not financial advice.
WaFd and First Financial are compared on this page to illuminate differences in their business models, their financial performance, and the market context in which they operate. The aim is to present ...
Which Baskets Do They Appear In?
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Explore BasketWhich Baskets Do They Appear In?
Fed Rate Cut Stocks: Banking Sector Risks & Rewards
The Federal Reserve's recent interest rate cut, the first of the year, has created a mixed reaction in the market. This theme focuses on companies that are poised to benefit from lower borrowing costs and increased economic activity.
Published: September 18, 2025
Explore BasketNavigating The Fed's Inflation Dilemma
A recent spike in inflation, driven by import tariffs, has put the Federal Reserve in a difficult position. This theme focuses on companies that could benefit from this economic tension, whether through competitive pricing or a potential interest rate cut.
Published: August 14, 2025
Explore BasketInvestment Analysis
WaFd
WAFD
Pros
- Reported a 13% year-over-year net income increase for fiscal 2025, reaching $226 million with diluted EPS of $2.63, indicating improving profitability.
- Experienced a significant 103% increase in new loan originations in the fourth quarter of 2025, signalling strong loan growth momentum.
- Strong financial health noted with a solid return on tangible common equity near 9.99% and maintained credit quality with non-performing assets at 0.3%.
Considerations
- Announced exit from the single-family mortgage lending market by June 2025, including an 8% workforce reduction, reflecting a significant strategic shift and restructuring costs.
- Net interest margin contracted to 2.39% in Q1 FY2025 from 2.62%, while net interest income decreased, putting pressure on core lending profitability.
- Recent revenue trends show a 1.4% annualized decline over the past two years, diverging from its previous 5-year growth trend of 6.7% CAGR.
First Financial
FFBC
Pros
- First Financial Bancorp has a diverse portfolio offering commercial and consumer banking services across multiple states, supporting revenue stability.
- Has demonstrated consistent revenue growth driven by expanding loan and deposit bases and solid fee income streams.
- Maintains a strong capital position with prudent risk management practices, supporting resilience against economic cycles.
Considerations
- Exposed to regional economic fluctuations, which can impact loan demand and credit quality given its geographical concentration.
- Profitability margins may be pressured by rising interest rates and competition within its core markets.
- Execution risks stem from ongoing digital transformation initiatives and regulatory compliance costs that could affect near-term earnings.
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