---
schema_version: "secwatch.filing_event.v1"
accession: "0000936528-26-000011"
form_type: "8-K"
ticker: "WAFD"
cik: "0000936528"
company_name: "WAFD INC"
filed_at: "2026-01-16T23:59:59+00:00"
generated_at: "2026-05-16T10:03:42.832015+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# WaFd Q1 EPS $0.79 (+10% linked qtr); NPA ratio rises to 0.75% from 0.54%

## Summary
- Net income $64.0M; diluted EPS $0.79 vs $0.72 prior quarter and $0.54 year-ago.
- Net interest income $171M (+$1M QoQ); net interest margin 2.70%, stable.
- Non-performing assets $203M, 0.75% of total assets vs 0.54% prior quarter.
- Delinquencies rose $92M to 1.07% of total loans from 0.60% in September.
- Repurchased 1.95M shares at avg $29.75; TBV per share grew to $29.91.

## SEC filing metadata
- accession: 0000936528-26-000011
- form_type: 8-K
- ticker: WAFD
- cik: 0000936528
- company_name: WAFD INC
- filed_at: 2026-01-16T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/936528/000093652826000011/0000936528-26-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652826000011/wfsl-20260115.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-26-000011
- JSON: https://secwatch.observer/filing/0000936528-26-000011.json
- Plain text: https://secwatch.observer/filing/0000936528-26-000011.txt

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