WAFD CFO acquires 21,609 shares at $30.56

WAFD Inc. reported an insider transaction on a Form 4: the EVP & CFO acquired 21,609 shares of common stock at $30.56 on 11/11/2025.

Rhea-AI Filing Summary

WAFD Inc. reported an insider transaction on a Form 4: the EVP & CFO acquired 21,609 shares of common stock at $30.56 on 11/11/2025. Following the transaction, the officer beneficially owned 114,027 common shares directly.

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 includes 51,594 stock units awarded under a Supplemental Executive Retirement Plan.

• Non-qualified stock options outstanding: 607 at $32.49 (exp. 10/31/2031); 1,276 at $26.12 (exp. 10/31/2030); 652 at $36.46 (exp. 10/31/2029); 564 at $28.16 (exp. 10/31/2028).

Insider Trade Summary

Grant/Award: 21,609 shares

Grant/Award 5 txns

Insider HOLZ KELLI

Role EVP & CFO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	21,609	$30.56	$660K
holding	Non-Qualified Stock Option (right to buy)	--	--	--
holding	Non-Qualified Stock Option (right to buy)	--	--	--
holding	Non-Qualified Stock Option (right to buy)	--	--	--
holding	Non-Qualified Stock Option (right to buy)	--	--	--

Holdings After Transaction: Common Stock — 114,027 shares (Direct); Non-Qualified Stock Option (right to buy) — 3,099 contracts (Direct)

Footnotes (2)

1. F1. 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. F2. Includes 51,594 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did WAFD (WAFD) disclose on Form 4?

The EVP & CFO acquired 21,609 shares of common stock at $30.56 on 11/11/2025.

How many WAFD shares does the reporting person own after the transaction?

Beneficial ownership is 114,027 common shares, held directly.

What equity awards and vesting terms are disclosed for WAFD’s EVP & CFO?

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 Form 4 mention any retirement plan stock units for WAFD’s officer?

Yes. It includes 51,594 stock units under a Supplemental Executive Retirement Plan (SERP).

What WAFD stock options are outstanding for the reporting person?

Non-qualified options: 607@$32.49 (exp. 10/31/2031), 1,276@$26.12 (exp. 10/31/2030), 652@$36.46 (exp. 10/31/2029), 564@$28.16 (exp. 10/31/2028).

What is the relationship of the reporting person to WAFD Inc.?

The reporting person is an Officer, serving as EVP & CFO.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/12/2025 - 02:26 PM Learn about SEC filing dates

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^*

HOLZ KELLI

(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 & CFO

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	114,027(1)(2)	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
Non-Qualified Stock Option (right to buy)	$32.49							10/31/2024	10/31/2031	Common Stock	607		607	D
Non-Qualified Stock Option (right to buy)	$26.12							10/31/2023	10/31/2030	Common Stock	1,276		1,276	D
Non-Qualified Stock Option (right to buy)	$36.46							10/31/2022	10/31/2029	Common Stock	652		652	D
Non-Qualified Stock Option (right to buy)	$28.16							10/31/2021	10/31/2028	Common Stock	564		564	D

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 51,594 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

Remarks:

	Kelli Holz	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.