{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-24-000075","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2024-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.555700+00:00","generated_at":"2026-06-02T08:16:53.977823+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"WaFd Q2 FY2024 net income $15.9M, down 76% YoY; merger costs pressure earnings","bullets":["Net income available to common $12.2M ($0.14 diluted EPS) vs $62.3M prior year, down 80.4%.","Net interest income fell 9.4% to $158.6M as deposit costs surged 123% to $116.2M.","Completed Luther Burbank merger on March 1, adding $6.2B loans, $5.6B deposits; $25M merger-related expenses incurred.","Provision for credit losses of $16M, primarily due to merger-related ACL build; total ACL $201M (295% of NPAs).","Non-performing assets 0.23% of total assets; 164 consecutive quarterly dividends maintained at $0.26/share."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-24-000075","json":"https://secwatch.observer/filing/0000936528-24-000075.json","markdown":"https://secwatch.observer/filing/0000936528-24-000075.md","text":"https://secwatch.observer/filing/0000936528-24-000075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000075/0000936528-24-000075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000075/wfsl-20240508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T08:16:53.977823+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}