{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-23-000173","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.462744+00:00","generated_at":"2026-06-09T22:18:42.984040+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"WaFd reports record FY2023 EPS $3.72 (+10% YoY) but $40M net charge-off on one commercial loan","bullets":["Annual net income $257.4M, EPS $3.72, up from $3.39; ROA 1.18% vs 1.17%.","Net interest margin compressed each quarter to 3.13% in Sept; month of Sept margin 3.10%.","Recorded $41.5M provision for credit losses vs $3M prior year; net charge-offs $45.1M (one $40M commercial loan).","Uninsured deposits decreased to 25.7% from 30.3% YoY; total deposits up 0.3% to $16.1B.","Merger with Luther Burbank: Washington state regulator approved; still needs FDIC and Fed approval."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-23-000173","json":"https://secwatch.observer/filing/0000936528-23-000173.json","markdown":"https://secwatch.observer/filing/0000936528-23-000173.md","text":"https://secwatch.observer/filing/0000936528-23-000173.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652823000173/0000936528-23-000173-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652823000173/wfsl-20231017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:18:42.984040+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1ca3fd8d16a1404fd824485da7ee621d67b141ad","claim":"WAFD INC reported the fiscal year ended September 30, 2023 results: net income $257,426,000, EPS $3.72 per share.","evidence_excerpt":"WaFd, Inc. (Nasdaq: WAFD) (the \"Company\"), parent company of WaFd Bank (the \"Bank\"), today announced record annual earnings of $257,426,000 for the fiscal year ended September 30, 2023, an increase of $21,096,000 from earnings of $236,330,000 for the year ended September 30, 2022. After the effect of dividends on preferred stock, net income available for common shareholders was $3.72 per share for the fiscal year ended September 30, 2023, a $0.33 or 9.7% increase from $3.39 for the prior fiscal year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/936528/000093652823000173/0000936528-23-000173-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended September 30, 2023"},{"label":"Net income","value":"$257,426,000"},{"label":"EPS","value":"$3.72 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}