{"schema_version":"secwatch.filing_event.v1","accession":"0000936528-26-000055","form_type":"8-K","ticker":"WAFD","cik":"0000936528","company_name":"WAFD INC","filed_at":"2026-07-17T17:03:27+00:00","discovered_at":"2026-07-17T17:04:00.308102+00:00","generated_at":"2026-07-17T17:04:07.843053+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"WaFd Q3 EPS $0.84, up 15% YoY; net income $66M; efficiency ratio 53.7%","bullets":["Diluted EPS $0.84, up 15% YoY from $0.73; net income $66M.","Net interest income $181M, up from $178M in Q2; NIM stable at 2.81%.","Efficiency ratio improved to 53.69% from 55.66% in prior quarter.","Non-performing assets 0.49% of total assets; delinquencies 0.75% (down from 0.78%).","ROATCE 11.0% vs 10.8% in Q2; 4.7M shares repurchased YTD; dividend $0.27 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000936528-26-000055","json":"https://secwatch.observer/filing/0000936528-26-000055.json","markdown":"https://secwatch.observer/filing/0000936528-26-000055.md","text":"https://secwatch.observer/filing/0000936528-26-000055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/936528/000093652826000055/0000936528-26-000055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/936528/000093652826000055/wfsl-20260716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-17T17:04:07.843053+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"}