secwatch.observer — SEC 8-K summary
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Issuer:     WAFD INC (WAFD)
CIK:        0000936528
Form:       8-K
Filed at:   2025-07-18T23:59:59+00:00
Accession:  0000936528-25-000083
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/936528/000093652825000083/0000936528-25-000083-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/936528/000093652825000083/wfsl-20250717.htm
  HTML page:      https://secwatch.observer/filing/0000936528-25-000083

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer