---
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"
generated_at: "2026-05-18T05:53:41.216268+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-25-000083
- JSON: https://secwatch.observer/filing/0000936528-25-000083.json
- Plain text: https://secwatch.observer/filing/0000936528-25-000083.txt

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