WaFd, Inc. (WAFD) SEC Filings & Earnings Calls
EquiReason read 26 WaFd, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-16 — WaFd reports FY2026 EPS of $3.21, up 22% YoY; Q4 EPS $0.76 vs $0.72 prior year. Net income $256M for FY2026, up 13% YoY. Asset quality improves: NPAs down 37% QoQ. Net interest mar.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
WAFDWaFd, Inc.Follow WAFD — free
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- Market cap
- 2.2B
- P/E TTM
- 9.3
- Dividend yield
- 3.7%
- 52-week
- —
- Next earnings
- 13 Jan, in 81 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
16 Oct 20268-K · 2.02WaFd reports FY2026 EPS of $3.21, up 22% YoY; Q4 EPS $0.76 vs $0.72 prior year. Net income $256M for FY2026, up 13% YoY. Asset quality improves: NPAs down 37% QoQ. Net interest margin stable at 2.81%. Dividend declared $0.27/share.earningsopen
Figures in the filing · each found in the filing text
| Net income · FY2026 | $256M | +13% y/y |
| Diluted earnings per common share · FY2026 | $3.21 | +22% y/y |
| Net interest margin · Q4-2026 | 2.8% | |
| Return on tangible common equity · Q4-2026 | 9.8% | |
| Efficiency ratio · Q4-2026 | 55.1% | |
| Non-performing assets to total assets · Q4-2026 | 0.3% | |
| Total assets · Q4-2026 | $27.23B | +2% y/y |
| Customer deposits · Q4-2026 | $21.32B | -1% y/y |
| Loans receivable, net · Q4-2026 | $19.04B | -5% y/y |
| Net charge-offs · Q4-2026 | $39M |
Risks flagged
Elevated net charge-offs in Q4 due to resolution of a large classified loan; merger-related expenses may pressure near-term efficiency.
“Net charge-offs of $39.2M in Q4 vs $1.6M prior quarter; efficiency ratio increased to 55.12% due to strategic investments and merger expenses.”
5 Oct 20268-K · 7.01WaFd announces Q4/FY2026 earnings release date and conference call; no financial results or guidance provided.earningsSEC ↗
8 Sep 20268-K · 1.01, 3.02, 5.02, 7.01WaFd and EverBank announced merger agreement; WaFd is the acquirer. Filing for WAFD common stock reflects same event.acquisitionopen
Risks flagged
Regulatory approval risk and integration execution risk.
“Risks include failure to obtain required regulatory approvals and integration challenges.”
11 Aug 20268-K · 8.01WaFd declared a regular quarterly dividend on its Series A Preferred Stock, a routine dividend declaration.SEC ↗
4 Aug 202610-QWaFd reported Q3 FY2026 results with net income of $66.1M, up 6.7% YoY, driven by net interest margin expansion and higher non-interest income, partially offset by higher provision and expenses.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q3-2026 | 2.8% | |
| Net interest income · Q3-2026 | $181M | +8% y/y |
| Total assets · 2026-06-30 | $27.60B | +3% y/y |
| Customer deposits · 2026-06-30 | $20.93B | -2% y/y |
| Loans, net · 2026-06-30 | $20.02B | -0% y/y |
| Allowance for credit losses · 2026-06-30 | $234M | +6% y/y |
| Efficiency ratio · Q3-2026 | 1.6% | |
| Net income · Q3-2026 | $66M | +7% y/y |
| Provision for credit losses · Q3-2026 | $11M | +450% y/y |
| Non-interest income · Q3-2026 | $24M | +32% y/y |
Risks flagged
Credit quality deterioration
“The Company recorded an $11,000,000 provision for credit losses for the three months ended June 30, 2026, compared with a $2,000,000 provision for credit losses for the three months ended June 30, 2025.” · word for word
Deposit outflow and reliance on wholesale funding
“Customer accounts decreased $505,561,000, or 2.4%, to $20,932,075,000 at June 30, 2026 compared with $21,437,636,000 at September 30, 2025.” · word for word
Interest rate risk from fixed-rate securities
“As of June 30, 2026, the net unrealized loss on these securities was $36,745,000.” · word for word
28 Jul 20268-K · 7.01Issued a Regulation FD disclosure (forward guidance or material update); filed financial statements and exhibits with this reportopen
Risks flagged
No new risk signals; filing is a routine investor presentation.
“Filing contains only boilerplate forward-looking statements and references to existing risk factors.”
17 Jul 20268-K · 2.02Diluted earnings per common share $0.84 (+15% y/y); Net income $66M (+7% y/y); Net interest margin 2.81earningsopen
Figures in the filing · each found in the filing text
| Diluted earnings per common share · Q3-2026 | $0.84 | +15% y/y |
| Net income · Q3-2026 | $66M | +7% y/y |
| Net interest margin · Q3-2026 | 2.8% | |
| Efficiency ratio · Q3-2026 | 53.7% | |
| Return on tangible common equity · Q3-2026 | 11.0% | |
| Non-performing assets to total assets · Q3-2026 | 0.5% |
Risks flagged
Non-performing assets increased slightly to 0.49% from 0.48%.
“Non-performing assets at 0.49% of total assets compared to 0.48% for Q2.” · word for word
6 Jul 20268-K · 7.01WaFd announces Q3 FY2026 earnings release date (July 16, 2026) and conference call (July 17, 2026); no financial results or guidance.SEC ↗
12 May 20268-K · 8.01Preferred stock dividend per share $12.19; depositary share dividend $0.30open
Figures in the filing · each found in the filing text
| preferred stock dividend per share · Q3-2026 | $12.19 | |
| depositary share dividend · Q3-2026 | $0.30 |
5 May 20268-K · 7.01Issued a Regulation FD disclosure (forward guidance or material update); filed financial statements and exhibits with this reportopen
Risks flagged
No new risks identified; filing is boilerplate.
“No material risk disclosure.”
5 May 202610-QNet interest margin 2.81; Net interest income $178M (+10% y/y); Net income $66M (+17% y/y)open
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 2.8% | |
| Net interest income · Q2-2026 | $178M | +10% y/y |
| Net income · Q2-2026 | $66M | +17% y/y |
| Total assets · 2026-03-31 | $27.57B | |
| Loans receivable, net · 2026-03-31 | $19.97B | |
| Allowance for credit losses · 2026-03-31 | $224M | |
| Non-performing assets · 2026-03-31 | $132M | |
| Customer accounts · 2026-03-31 | $21.12B | |
| Shareholders' equity · 2026-03-31 | $2.98B | |
| Tier 1 leverage ratio · 2026-03-31 | 9.1% |
Risks flagged
Interest rate risk
“Fluctuating interest rates and the impact of inflation on the Company's business and financial results.” · word for word
Credit risk
“Possible additional provisions for loan losses and charge-offs; credit risks of lending activities and deterioration in asset or credit quality.” · word for word
Geographic concentration risk
“Risks associated with our geographic concentration, including the effects of a severe economic downturn... in our primary market areas.” · word for word
17 Apr 20268-K · 2.02Net income $66M (+16% y/y); Diluted earnings per common share $0.82 (+26% y/y); Net interest margin 2.81earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $66M | +17% y/y |
| Diluted earnings per common share · Q2-2026 | $0.82 | +26% y/y |
| Net interest margin · Q2-2026 | 2.8% | |
| Return on tangible common equity · Q2-2026 | 10.8% | |
| Non-performing assets to total assets · Q2-2026 | 0.5% | |
| Total assets · Q2-2026 | $27.57B | -0% y/y |
| Customer deposits · Q2-2026 | $21.12B | -1% y/y |
| Loans receivable, net · Q2-2026 | $19.97B | -5% y/y |
Risks flagged
Loan portfolio decline; mitigated by growth in active segments.
“Net loans decreased $122 million to $20.0 billion.” · word for word
2 Apr 20268-K · 7.01Issued a Regulation FD disclosure (forward guidance or material update); filed financial statements and exhibits with this reportSEC ↗
2 Mar 20268-K · 5.02, 7.01Reported the departure of a director or principal officer (CEO/CFO change); issued a Regulation FD disclosure (forward guidance or material update)SEC ↗
23 Feb 20268-K · 7.01Total Assets $27.30B; Total Loans HFI $19.80B; Total Deposits $21.40Bopen
Figures in the filing · each found in the filing text
| Total Assets · Q4-2025 | $27.30B | |
| Total Loans HFI · Q4-2025 | $19.80B | |
| Total Deposits · Q4-2025 | $21.40B | |
| Stockholder Equity · Q4-2025 | $3.00B | |
| Efficiency Ratio · Q4-2025 | 55.3% | |
| Adjusted Efficiency Ratio · Q4-2025 | 56.1% |
4 Feb 202610-QWaFd reported Q1 FY2026 net income of $64.2M, up 35.8% YoY, with NIM expanding 31bps to 2.70%, but credit quality weakened with NPA increase.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Margin · Q1-2026 | 2.7% | |
| Net Income · Q1-2026 | $64M | +36% y/y |
| Total Assets · 2025-12-31 | $27.29B | |
| Customer Deposits · 2025-12-31 | $21.42B | |
| Loans, Net · 2025-12-31 | $19.85B | |
| Allowance for Credit Losses · 2025-12-31 | $221M | |
| Non-Performing Assets · 2025-12-31 | $203M |
Risks flagged
Credit quality deterioration
“Non-performing assets increased $60,374,000 during the three months ended December 31, 2025 to $203,396,000 from $143,022,000 at September 30, 2025.” · word for word
Interest rate risk
“The Company has $4,142,285,000 of AFS securities that are carried at fair value. As of December 31, 2025, the net unrealized loss on these securities was $667,000.” · word for word
4 Feb 20268-K · 5.02, 5.07Reported the departure of a director or principal officer (CEO/CFO change); submitted matters to a vote of security holdersSEC ↗
3 Feb 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportSEC ↗
22 Jan 20268-K · 7.01Total assets $27.30B; total deposits $21.40B; shareholders' equity $3.00Bopen
Figures in the filing · each found in the filing text
| total assets · 2025-12-31 | $27.30B | |
| total deposits · 2025-12-31 | $21.40B | |
| shareholders' equity · 2025-12-31 | $3.00B |
Risks flagged
Regulatory risk reduced; CRA rating upgrade removes restrictions that could have limited growth.
“CRA rating upgraded from 'Needs to Improve' to 'Satisfactory'.”
16 Jan 20268-K · 2.02Net loans $19.85B; Allowance for credit losses - total $221M; Total ACL as a % of Gross Loans 1.05earningsopen
Figures in the filing · each found in the filing text
| Net loans · Q1-2026 | $19.85B | |
| Allowance for credit losses - total · Q1-2026 | $221M | |
| Total ACL as a % of Gross Loans · Q1-2026 | 1.1% | |
| Weighted Average Rate on Originations · Q1-2026 | 6.0% | |
| Weighted Average Rate on Payoffs · Q1-2026 | 6.3% | |
| Loan originations · Q1-2026 | $1.09B |
Risks flagged
Declining weighted average rate on originations may compress NIM.
“Rate down from 6.87% to 5.99% QoQ.”
5 Jan 20268-K · 7.01Issued a Regulation FD disclosure (forward guidance or material update); filed financial statements and exhibits with this reportSEC ↗
19 Dec 2025DEF 14AProxy statement for 2026 annual meeting; no material event, routine governance and compensation disclosure.open
Figures in the filing · each found in the filing text
| Net income available to common shareholders · FY2025 | $211M | |
| Earnings per share (GAAP) · FY2025 | $2.64 | |
| Total shareholder return · FY2025 | -10.1% | |
| CEO total compensation · FY2025 | $4M | |
| Median employee compensation · FY2025 | $65525.00 | |
| Number of employees · FY2025 | 2,026 | |
| Shares outstanding · 2025-11-28 | 76,434,807 | |
| CEO stock ownership · 2025-11-28 | 368,124 | |
| Director annual retainer · FY2025 | $80000.00 | |
| Chairman annual retainer · FY2025 | $120000.00 |
Risks flagged
Performance share forfeiture risk
“Based on the total shareholder return of (10.1)% for 2025, the NEOs earned none of their share allocations related to the eligible fiscal year 2022, 2023 and 2024 performance share grants.” · word for word
Director retirement policy exception risk
“the Board revised the policy to provide that nominations can be made for re-election of a director who has reached the age of 72 if such re-nomination is in the best interests of the Company and its shareholders.” · word for word
18 Nov 202510-KNet income $226M (+13% y/y); Net interest income $654M (-1% y/y); Net interest margin 2.58open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $226M | +13% y/y |
| Net interest income · FY2025 | $654M | -1% y/y |
| Net interest margin · FY2025 | 2.6% | |
| Provision for credit losses · FY2025 | $8M | -56% y/y |
| Net charge-offs · FY2025 | $12M | +769% y/y |
| Non-interest income · FY2025 | $71M | +17% y/y |
| Non-interest expense · FY2025 | $427M | -5% y/y |
| Efficiency ratio · FY2025 | 58.9% | |
| Customer deposits · FY2025 | $21.44B |
Risks flagged
Credit quality deterioration
“For the year ended September 30, 2025, net charge-offs were $11,783,000, compared to $1,356,000 in the prior year.” · word for word
Geographic concentration
“Substantially all of the Bank's loans are to individuals, businesses and real estate developers in the Pacific Northwest, California, Arizona, Utah, Texas, New Mexico and Nevada.” · word for word
Activist shareholder risk
“In recent months, activist investors have increasingly targeted regional banking institutions, like the Bank, including campaigns at Comerica Incorporated and Eastern Bancshares, Inc.” · word for word
12 Nov 20258-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportSEC ↗
12 Nov 20258-K · 7.01Total Assets $26.70B; Total Loans HFI $20.10B; Total Deposits $21.40Bopen
Figures in the filing · each found in the filing text
| Total Assets · Q4-2025 | $26.70B | |
| Total Loans HFI · Q4-2025 | $20.10B | |
| Total Deposits · Q4-2025 | $21.40B | |
| Stockholder Equity · Q4-2025 | $3.00B | |
| Efficiency Ratio · Q4-2025 | 56.8% | |
| Adjusted Efficiency Ratio · Q4-2025 | 57.1% |
29 Oct 20258-K · 2.02Net income $61M; Diluted EPS $0.72; Net interest margin 2.71earningsopen
Figures in the filing · each found in the filing text
| Net income · Q4-2025 | $61M | |
| Diluted EPS · Q4-2025 | $0.72 | |
| Net interest margin · Q4-2025 | 2.7% | |
| Net interest income · Q4-2025 | $170M | |
| Return on average assets · Q4-2025 | 0.9% | |
| Return on tangible common equity · Q4-2025 | 10.0% | |
| Non-performing assets ratio · Q4-2025 | 0.5% | |
| Delinquency ratio · Q4-2025 | 0.6% |
Risks flagged
Credit quality deterioration: NPAs and delinquencies increased.
“NPAs 0.54% vs 0.36%; delinquencies 0.60% vs 0.26%.”
Efficiency ratio increased to 56.82% from 56.01%.
“Efficiency ratio increased to 56.82%.” · word for word
WaFd, Inc. — questions
- What did WaFd, Inc. file recently?
- 26 SEC filings in the last 12 months. Latest: 8-K on 2026-10-16 — WaFd reports FY2026 EPS of $3.21, up 22% YoY; Q4 EPS $0.76 vs $0.72 prior year. Net income $256M for FY2026, up 13% YoY. Asset quality improves: NPAs down 37% QoQ. Net interest margin stable at 2.81%. Dividend declared $0.27/share.
Every figure on this page comes from WaFd, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.