EVP Cathy Cooper of WAFD (NASDAQ: WAFD) trims stake with 5,300-share sale

Rhea-AI Filing Summary

WAFD Inc. executive vice president and Chief Consumer Banker Cathy E. Cooper reported an open-market sale of 5,300 shares of common stock on February 6, 2026 at $33.77 per share. After this sale, she beneficially owns 94,755 shares directly, including 36,418 SERP stock units, and 10,572 shares indirectly through a 401(k).

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

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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)
02/06/2026

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	02/06/2026		S		5,300	D	$33.77	94,755(1)	D
Common Stock								10,572	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. Includes 36,418 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

Remarks:

	Cathy E. Cooper	02/06/2026
	** 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.
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FAQ

What insider transaction did WAFD EVP Cathy E. Cooper report?

Cathy E. Cooper reported selling 5,300 shares of WAFD Inc. common stock. The sale occurred on February 6, 2026 at a price of $33.77 per share, as disclosed in her Form 4 insider trading report filed under Section 16 rules.

How many WAFD (WAFD) shares does Cathy E. Cooper hold after this sale?

After the sale, Cathy E. Cooper beneficially owns 94,755 WAFD common shares directly and 10,572 shares indirectly. The direct total includes 36,418 stock units awarded under a Supplemental Executive Retirement Plan (SERP) for her benefit, plus additional directly held common shares.

What price did WAFD executive Cathy E. Cooper receive for the sold shares?

She received $33.77 per share for the 5,300 WAFD common shares sold. This price reflects the transaction value reported on February 6, 2026, and is the per-share amount disclosed in the Form 4’s non-derivative transaction table for this sale.

What is the role of Cathy E. Cooper at WAFD Inc.?

Cathy E. Cooper serves as Executive Vice President and Chief Consumer Banker at WAFD Inc. This senior leadership role is specified in the Form 4, where she is identified as an officer rather than a director or 10% beneficial owner of the company.

How are Cathy E. Cooper’s indirect WAFD holdings structured?

Her indirect WAFD holdings consist of 10,572 common shares held through a 401(k) plan. The Form 4 classifies these as indirect ownership with the nature of ownership noted as “By 401(k),” distinguishing them from her directly held and SERP-related stock units.

What does the SERP footnote in Cathy E. Cooper’s WAFD filing mean?

The footnote explains that 36,418 of her reported direct holdings are stock units from a Supplemental Executive Retirement Plan. These SERP units are awarded for her benefit and are included within the total 94,755 directly beneficially owned WAFD common shares reported after the transaction.