WAFD CEO reports 6,809 shares delivered or withheld

WAFD's 6,000 Series A depositary shares each represent a 1/40th interest in a 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock share.

Available on EDGAR 11/03/2026 - 07:40 PM EST Accepted by SEC EDGAR 11/03/2026 - 07:39 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

WAFD Inc President & CEO Brent J. Beardall reported that 6,809 common shares were delivered or withheld on October 31, 2026, for payment of exercise price or tax liability, at a reported $29.35 per share. He directly held 363,064.5 common shares after the transaction; the holdings include 127,845 stock units awarded under a Supplemental Executive Retirement Plan and shares acquired through dividend reinvestment. He also directly held 6,000 Series A depositary shares.

Insider Trade Summary

Exercise Price or Tax Liability: 6,809 shares

Exercise Price or Tax Liability 1 txn

Insider BEARDALL BRENT J

Role President & CEO

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock F1, F2	6,809	$29.35	$200K
Holding	Depositary Shares of Series A Preferred Stock F3	--	--	--

Holdings After Transaction: Common Stock — 363,064.5 shares (Direct); Depositary Shares of Series A Preferred Stock — 6,000 shares (Direct)

Holdings Before and After: Common Stock, 369,873.5 to 363,064.5 shares (Direct)

Footnotes (3)

1. F1. Includes 127,845 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.
2. F2. Holdings include shares acquired in dividend reinvestment transactions.
3. F3. Each Depositary Share represents a 1/40th interest in a share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, ("Series A Preferred Stock").

Key Figures

Common shares delivered or withheld: 6,809 shares Reported per-share price: $29.35 per share Common shares held after transaction: 363,064.5 shares +4 more

7 metrics

Common shares delivered or withheld 6,809 shares For payment of exercise price or tax liability on October 31, 2026

Reported per-share price $29.35 per share For the October 31, 2026 common-share transaction

Common shares held after transaction 363,064.5 shares Direct holdings following the October 31, 2026 transaction

SERP stock units 127,845 stock units Awarded pursuant to a Supplemental Executive Retirement Plan for Brent J. Beardall's benefit

Series A depositary shares 6,000 shares Direct holdings

Preferred stock rate 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock

Depositary share interest 1/40th interest Each depositary share represents this interest in one preferred stock share

Key Terms

Supplemental Executive Retirement Plan, Depositary Shares, Non-Cumulative Perpetual Preferred Stock

3 terms

Supplemental Executive Retirement Plan financial

"stock units awarded pursuant to a Supplemental Executive Retirement Plan"

Depositary Shares financial

"Depositary Shares of Series A Preferred Stock"

Depositary shares are tradable certificates that represent a fractional piece of a larger security held by a third-party bank, like owning a slice of a single big pie instead of the whole pie. They let companies issue and investors buy smaller, more affordable portions of preferred stock or other instruments; holders usually receive proportional dividends and market pricing similar to ordinary shares, but may have limited voting rights and different liquidity or tax implications, which can affect income and resale value.

Non-Cumulative Perpetual Preferred Stock financial

"4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock"

Non-cumulative perpetual preferred stock is a type of investment that pays a fixed dividend forever, without a set end date. If the company skips some dividends in a year, you don’t get that money later, and it’s gone forever. It matters because investors get regular income but may miss out if the company faces financial trouble.

FAQ

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

How many WAFD shares did Brent J. Beardall deliver or have withheld?

On October 31, 2026, 6,809 common shares were delivered or withheld for payment of exercise price or tax liability, at a reported $29.35 per share. Beardall directly held 363,064.5 common shares after the transaction.

What does a WAFD Series A depositary share represent?

Each Series A depositary share represents a 1/40th interest in a share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock.

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

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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 WASHINGTON 98101

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/31/2026

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

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

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

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	10/31/2026		F		6,809	D	$29.35	363,064.5(1)(2)	D
Depositary Shares of Series A Preferred Stock(3)								6,000	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. Includes 127,845 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

2. Holdings include shares acquired in dividend reinvestment transactions.

3. Each Depositary Share represents a 1/40th interest in a share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, ("Series A Preferred Stock").

Remarks:

	Kelli Holz, Attorney-in-fact	11/03/2026
	** 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.
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.
* Form 4: SEC 1474 (03-26)