---
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"
generated_at: "2026-07-17T17:04:07.843053+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# WaFd Q3 EPS $0.84, up 15% YoY; net income $66M; efficiency ratio 53.7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/936528/000093652826000055/0000936528-26-000055-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652826000055/wfsl-20260716.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-26-000055
- JSON: https://secwatch.observer/filing/0000936528-26-000055.json
- Plain text: https://secwatch.observer/filing/0000936528-26-000055.txt

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