WaFd Q4 net income $61M; NPAs rise to 0.54% of assets from 0.36%

WAFD INC

2025-FY EPS reported $2.63 vs consensus $0.77 ▲ beat (+242.4%)

Q4 diluted EPS $0.72, fiscal 2025 EPS $2.63; net interest margin improved to 2.71%.
Non-performing assets increased 47% QoQ to $143M; non-accrual loans $128.6M.
Delinquencies jumped to 0.60% of loans from 0.26% in June; total $122.6M.
Loan originations surged 103% QoQ to $1.37B; weighted average rate 6.87%.
Repurchased 969,653 shares at $29.74 avg; paid quarterly dividend of $0.27/share.

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