{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-24-000031","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.358141+00:00","generated_at":"2026-06-06T22:22:29.498930+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"WaFd Q1 EPS $0.85, down 27% YoY; net interest margin falls to 2.91%","bullets":["Net income $58.5M, up 16% QoQ but down 26% YoY; diluted EPS $0.85 vs $1.16 YoY.","Net interest margin 2.91% vs 3.69% YoY; net interest income $152M, down 16.7% YoY.","Loan originations $0.9B, halved from $2.0B YoY; net recoveries of $113K vs net charge-offs in prior quarters.","Tangible book value per share $28.65, up 2.1% QoQ; credit remains strong with NPAs at 0.24% of assets.","Merger with Luther Burbank expected to close this quarter; share repurchases 697,893 shares at $24.45."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-24-000031","json":"https://secwatch.observer/filing/0000936528-24-000031.json","markdown":"https://secwatch.observer/filing/0000936528-24-000031.md","text":"https://secwatch.observer/filing/0000936528-24-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000031/0000936528-24-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000031/wfsl-20240116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:22:29.498930+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":"fc4bfa28ea9b7eba7b8eba94a696575b8acfde2b","claim":"WAFD INC reported the quarter ended December 31, 2023 results: net income $58,453,000, EPS $0.85 per diluted share.","evidence_excerpt":"net income available for common shareholders was $0.85 per diluted share for the quarter ended December 31, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000031/0000936528-24-000031-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$58,453,000"},{"label":"EPS","value":"$0.85 per diluted 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"}