WAFD Form 4: 3,090 shares at $29.03; options detailed

Rhea-AI Filing Summary

WAFD Inc. reported insider activity by its EVP & CFO, Kelli Holz, on a Form 4. On 10/31/2025, two transactions in common stock were reported: 10,630 shares were disposed of (Code D) at $0, and 3,090 shares were reported under Code F at $29.03. After these transactions, Holz directly owns 92,418 common shares.

Derivative holdings listed are non‑qualified stock options for 607 shares expiring 10/31/2031, 1,276 expiring 10/31/2030, 652 expiring 10/31/2029, and 564 expiring 10/31/2028. Footnotes state the holdings include shares acquired through dividend reinvestment and 51,594 stock units awarded under a Supplemental Executive Retirement Plan.

Insider Trade Summary

6 transactions reported

Mixed 6 txns

Insider HOLZ KELLI

Role EVP & CFO

Type	Security	Shares	Price	Value
Disposition	Common Stock	10,630	$0.00	--
Tax Withholding	Common Stock	3,090	$29.03	$90K
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 — 95,508 shares (Direct); Non-Qualified Stock Option (right to buy) — 607 shares (Direct)

Footnotes (1)

1. Holdings include shares acquired in dividend reinvestment transactions. Includes 51,594 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^*

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)
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		10,630	D	$0	95,508	D
Common Stock	10/31/2025		F		3,090	D	$29.03	92,418(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. Holdings include shares acquired in dividend reinvestment transactions.

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	11/04/2025
	** 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) disclose on 10/31/2025?

Two common stock entries: 10,630 shares disposed (Code D) at $0 and 3,090 shares under Code F at $29.03.

How many WAFD shares does the CFO own after the reported transactions?

Direct ownership is reported as 92,418 common shares.

Which transaction codes appear in the WAFD Form 4 and for how many shares?

Codes D and F appear: 10,630 shares for Code D and 3,090 shares for Code F.

What derivative securities are reported for the WAFD CFO?

Non‑qualified stock options for 607, 1,276, 652, and 564 shares with expirations on 10/31/2031, 10/31/2030, 10/31/2029, and 10/31/2028.

Do the reported holdings include any plan-related units?

Yes. Footnotes state they include 51,594 stock units awarded under a Supplemental Executive Retirement Plan (SERP).

Are dividend reinvestment shares included in the ownership total?

Yes. Footnotes note that holdings include shares acquired via dividend reinvestment.