[Form 4] WAFD INC Insider Trading Activity

Rhea-AI Filing Summary

WAFD Inc reported insider activity as its President & CEO (also a Director) filed a Form 4 for transactions on 10/31/2025.

Disclosed entries include: a disposition of 50,960 common shares (code D, price $0), a tax‑withholding entry of 9,652 shares at $29.03 (code F), and an “other” transfer of 5,204 shares at $29.03 (code J) pursuant to a divorce settlement agreement. Following these transactions, the reporting person beneficially owned 285,008 shares.

Footnotes state holdings include shares acquired via dividend reinvestment and 123,823 stock units awarded under a Supplemental Executive Retirement Plan.

Insights

Corporate governance analyst

Administrative insider updates; final ownership now 285,008 shares.

The filing lists three non-derivative entries dated 10/31/2025: a disposition (code D) of 50,960 shares at $0, a tax withholding (code F) of 9,652 shares at $29.03, and an “other” transfer (code J) of 5,204 shares at $29.03. The footnote ties the J entry to a divorce settlement transfer.

Post-update beneficial ownership is 285,008 shares, with notes that holdings include dividend reinvestment shares and 123,823 stock units under a SERP. These are routine personal and administrative movements rather than open-market purchases. Investment impact appears limited based on the provided details.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

BEARDALL BRENT J

(Last) (First) (Middle)

425 PIKE STREET

(Street)

SEATTLE WA 98101

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
WAFD INC [ WAFD ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

3. Date of Earliest Transaction (Month/Day/Year)
10/31/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/31/2025		D		50,960	D	$0	299,864	D
Common Stock	10/31/2025		F		9,652	D	$29.03	290,212	D
Common Stock	10/31/2025		J		5,204(1)	D	$29.03	285,008(2)(3)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The shares were transferred from the Reporting Person to a third party in accordance with the terms of a divorce settlement agreement. The Reporting Person no longer has a reportable beneficial ownership in these securities.

2. Holdings include shares acquired in dividend reinvestment transactions.

3. Includes 123,823 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

Remarks:

	Kelli Holz, Attorney-in-fact	11/04/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions did WAFD (WAFD) report on 10/31/2025?

A disposition of 50,960 shares (code D, price $0), a tax withholding of 9,652 shares at $29.03 (code F), and an “other” transfer of 5,204 shares at $29.03 (code J).

How many WAFD shares does the CEO beneficially own after these transactions?

Following the reported transactions, beneficial ownership is 285,008 shares.

What does the Form 4 footnote say about the 5,204-share transfer?

It states the shares were transferred to a third party under a divorce settlement agreement, and the reporting person no longer has reportable beneficial ownership in them.

What does the code F entry on the WAFD Form 4 represent?

Code F indicates shares withheld to cover taxes; here 9,652 shares at $29.03.

Do the CEO’s reported holdings include non-share units?

Yes. Footnotes note holdings include dividend reinvestment shares and 123,823 stock units awarded under a SERP.

Who filed the WAFD Form 4 on behalf of the insider?

It was signed by Kelli Holz, Attorney-in-fact, on 11/04/2025.