WAFD Form 4: EVP Cooper acquires 21,609 shares, updates holdings

Rhea-AI Filing Summary

WAFD Inc executive Cathy E. Cooper (EVP & Chief Consumer Banker) reported acquiring 21,609 shares of common stock on 11/11/2025 at $30.56 per share. Following the transaction, she beneficially owns 99,752 shares directly and 10,486 shares indirectly via a 401(k).

The filing notes equity awards that vest ratably over three years beginning November 11, 2026: 8,674 restricted shares and 12,935 performance shares tied to total shareholder return. It also states her holdings include 36,115 stock units awarded under a Supplemental Executive Retirement Plan.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Cooper Cathy E

Role EVP & Chief Consumer Banker

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	21,609	$30.56	$660K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 99,752 shares (Direct); Common Stock — 10,486 shares (Indirect, By 401(k))

Footnotes (1)

1. Restricted and performance stock grants vest ratably over three years beginning November 11, 2026, respectively, as follows: 8,674 shares, and 12,935 shares based upon certain performance criteria related to total shareholder return. Includes 36,115 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

Form 4 Insider Transactions: What Each Field Means →

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^*

Cooper Cathy E

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP & Chief Consumer Banker

3. Date of Earliest Transaction (Month/Day/Year)
11/11/2025

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	11/11/2025		A		21,609	A	$30.56	99,752(1)(2)	D
Common Stock								10,486	I	By 401(k)

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. Restricted and performance stock grants vest ratably over three years beginning November 11, 2026, respectively, as follows: 8,674 shares, and 12,935 shares based upon certain performance criteria related to total shareholder return.

2. Includes 36,115 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

Remarks:

	Cathy E. Cooper	11/12/2025
	** 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 transaction did WAFD (WAFD) report on Form 4?

EVP Cathy E. Cooper acquired 21,609 shares of common stock on 11/11/2025 at $30.56 per share.

How many WAFD shares does Cathy E. Cooper now beneficially own?

She owns 99,752 shares directly and 10,486 shares indirectly via a 401(k).

What future vesting is disclosed for WAFD equity awards?

Awards vest ratably over three years beginning November 11, 2026: 8,674 restricted shares and 12,935 performance shares tied to total shareholder return.

Does the filing mention additional stock units for Cathy E. Cooper?

Yes. It includes 36,115 stock units awarded under a Supplemental Executive Retirement Plan (SERP).

What is Cathy E. Cooper’s role at WAFD?

She is EVP & Chief Consumer Banker.

Was the transaction a direct or indirect holding change?

The acquisition increased direct ownership; a separate indirect holding of 10,486 shares is held via a 401(k).