WaFd Q3 EPS $0.73, up 12% QoQ; net interest margin expands to 2.69%

WAFD INC

2025-Q3 EPS reported $1.91 vs consensus $0.79 ▲ beat (+142.9%)

Net income $61.95M, diluted EPS $0.73, up 10% and 12% QoQ respectively.
Net interest margin 2.69% vs 2.55% Q2; net interest income $168M.
Non-performing assets rose to 0.36% of assets from 0.26% Q2; criticized loans to 4.07% from 3.32%.
Repurchased 1.66M shares at $29.08 avg; tangible book value per share $28.69.
Efficiency ratio improved to 56.01% from 58.31% as cost of funds decreased 6.5%.

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