{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-25-000083","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.741014+00:00","generated_at":"2026-05-18T05:53:41.216268+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"WaFd Q3 EPS $0.73, up 12% QoQ; net interest margin expands to 2.69%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-25-000083","json":"https://secwatch.observer/filing/0000936528-25-000083.json","markdown":"https://secwatch.observer/filing/0000936528-25-000083.md","text":"https://secwatch.observer/filing/0000936528-25-000083.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000083/0000936528-25-000083-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000083/wfsl-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:53:41.216268+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"}