WaFd reports Q4 net income $60.6M, down 1% YoY; credit quality remains strong

WAFD INC

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

Net income $60.6M ($56.9M to common), down 1% from $61.1M; NII $169.9M, down 2% YoY.
Total assets $26.7B; loans HFI $20.1B; deposits $21.4B; uninsured/uncollateralized deposits 24.7%.
Non-performing assets $143M (0.54% of assets); ACL $200M covers 140% of NPAs; net charge-offs minimal.
Efficiency ratio improved to 56.8% from 57.2%; FDIC premiums down 35% to $4.4M.
Quarterly dividend $0.27 (3.6% yield); 3.45M shares repurchased in FY2025 at avg $29.56; 8.2M shares remain in buyback.

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