{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-25-000113","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2025-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.675651+00:00","generated_at":"2026-05-16T22:09:33.755347+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"WaFd reports Q4 net income $60.6M, down 1% YoY; credit quality remains strong","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-25-000113","json":"https://secwatch.observer/filing/0000936528-25-000113.json","markdown":"https://secwatch.observer/filing/0000936528-25-000113.md","text":"https://secwatch.observer/filing/0000936528-25-000113.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000113/0000936528-25-000113-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000113/wfsl-20251112.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T22:09:33.755347+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}