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AI brief of an SEC Form 8-K · WaFd (WAFD)

WaFd Q3 diluted EPS rises to $0.84 from $0.73 a year earlier; net income $66 million

Positive Impact 3 of 5 earnings Written later

WaFd, Inc. reported net income of $66 million, or $0.84 per diluted share, for the quarter ended June 30, 2026, up from $0.82 in the March quarter and $0.73 a year earlier. Net interest income rose to $181 million, and the company said its efficiency ratio fell to 53.69% from 55.66%, partly helped by a $3.2 million gain on the sale of a branch property. Shareholders also received a $0.27 quarterly dividend and the company repurchased 4.7 million shares in the first two quarters of fiscal 2026, per the CEO's statement.

Key points

  • Net income was $66.1 million for the quarter, up 1% from $65.5 million in the March 2026 quarter and up 7% from $62.0 million a year earlier.
  • Diluted EPS was $0.84, up 15% year over year from $0.73 and up from $0.82 in the prior quarter.
  • Net interest income was $181 million, compared with $178 million in the prior quarter; net interest margin was 2.81%, unchanged.
  • Provision for credit losses rose to $11.0 million from $4.0 million in the prior quarter, and non-performing assets were 0.49% of total assets.

The filing

CompanyWaFd (WAFD)
Form8-K, current report
Filed with the SECJul 17, 2026, 1:03 PM ET
Accession number0000936528-26-000055

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 17, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.