---
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"
generated_at: "2026-05-31T20:22:45.525864+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# WaFd Q3 EPS $0.75; net income $64.6M up 306% QoQ but diluted EPS down 16% YoY

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-24-000106
- JSON: https://secwatch.observer/filing/0000936528-24-000106.json
- Plain text: https://secwatch.observer/filing/0000936528-24-000106.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.