---
schema_version: "secwatch.filing_event.v1"
accession: "0000936528-25-000061"
form_type: "8-K"
ticker: "WAFD"
cik: "0000936528"
company_name: "WAFD INC"
filed_at: "2025-04-15T23:59:59+00:00"
generated_at: "2026-05-23T15:15:54.551510+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# WaFd Q2 FY25 net income $56.3M, EPS $0.65; NIM expands to 2.55%

## Summary
- Net income $56.3M, up 19% QoQ and 254% YoY; diluted EPS $0.65 vs $0.54 prior quarter.
- Net interest margin improved to 2.55% from 2.39% QoQ; net interest income $161M.
- Non-performing assets fell to 0.26% of total assets; provision for credit losses $2.75M.
- Non-interest income up 20% QoQ led by WaFd Insurance revenue increase of $1.7M.
- Repurchased 726,082 shares at avg $29.39; paid quarterly dividend $0.27 per share.

## SEC filing metadata
- accession: 0000936528-25-000061
- form_type: 8-K
- ticker: WAFD
- cik: 0000936528
- company_name: WAFD INC
- filed_at: 2025-04-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/936528/000093652825000061/0000936528-25-000061-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652825000061/wfsl-20250411.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-25-000061
- JSON: https://secwatch.observer/filing/0000936528-25-000061.json
- Plain text: https://secwatch.observer/filing/0000936528-25-000061.txt

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