---
schema_version: "secwatch.filing_event.v1"
accession: "0000936528-24-000128"
form_type: "8-K"
ticker: "WAFD"
cik: "0000936528"
company_name: "WAFD INC"
filed_at: "2024-10-18T23:59:59+00:00"
generated_at: "2026-05-30T12:59:13.877432+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# WaFd reports FY2024 net income of $200M ($2.50 EPS) vs $257M ($3.72 EPS) prior year

## Summary
- Annual net income fell 22% to $200M; diluted EPS $2.50 vs $3.72 YoY.
- Adjusted EPS (excl. acquisition costs & non-operating items) was $3.02.
- Acquired Luther Burbank Corp (LBC) for $7.7B in assets; incurred $26M in acquisition-related costs.
- Deposits grew 33% to $21.4B; loans rose 19.7%; quarterly dividend held at $0.26/share.

## SEC filing metadata
- accession: 0000936528-24-000128
- form_type: 8-K
- ticker: WAFD
- cik: 0000936528
- company_name: WAFD INC
- filed_at: 2024-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/936528/000093652824000128/0000936528-24-000128-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652824000128/wfsl-20241017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-24-000128
- JSON: https://secwatch.observer/filing/0000936528-24-000128.json
- Plain text: https://secwatch.observer/filing/0000936528-24-000128.txt

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