---
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"
generated_at: "2026-05-16T22:09:33.755347+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-25-000113
- JSON: https://secwatch.observer/filing/0000936528-25-000113.json
- Plain text: https://secwatch.observer/filing/0000936528-25-000113.txt

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