{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-24-000106","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.440929+00:00","generated_at":"2026-05-31T20:22:45.525864+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"WaFd Q3 EPS $0.75; net income $64.6M up 306% QoQ but diluted EPS down 16% YoY","bullets":["Net income $64.56M, diluted EPS $0.75; up 341% from $0.17 prior quarter, down 16% from $0.89 year ago.","Net interest margin 2.56%, compressed from 2.73% (Q2) and 2.91% (Q1) amid higher deposit costs.","Acquisition-related costs $2.3M; adjusted ROE 9.4% vs 8.7% prior quarter and 11.1% year ago.","First full quarter after Luther Burbank acquisition; total loans $22.5B, deposits $21.2B.","Mortgage productions $972.5M in quarter; non-performing assets $68.8M (0.24% of assets)."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-24-000106","json":"https://secwatch.observer/filing/0000936528-24-000106.json","markdown":"https://secwatch.observer/filing/0000936528-24-000106.md","text":"https://secwatch.observer/filing/0000936528-24-000106.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000106/0000936528-24-000106-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652824000106/wfsl-20240716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:22:45.525864+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"}