---
schema_version: "secwatch.filing_event.v1"
accession: "0000936528-25-000104"
form_type: "8-K"
ticker: "WAFD"
cik: "0000936528"
company_name: "WAFD INC"
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:49:48.428434+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000936528-25-000104
- form_type: 8-K
- ticker: WAFD
- cik: 0000936528
- company_name: WAFD INC
- filed_at: 2025-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/936528/000093652825000104/0000936528-25-000104-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652825000104/wfsl-20251016.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-25-000104
- JSON: https://secwatch.observer/filing/0000936528-25-000104.json
- Plain text: https://secwatch.observer/filing/0000936528-25-000104.txt

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