Insider grant: WAFD (WAFD) SVP awarded 750 restricted shares

Rhea-AI Filing Summary

WAFD Inc. reported an insider equity award for senior vice president and principal accounting officer Sanden Blayne. On January 20, 2026, Blayne received 750 shares of common stock at $31.44 per share, increasing direct beneficial ownership to 5,133 common shares. A footnote explains this is a restricted stock grant that vests annually in equal amounts over five years beginning January 20, 2027, so the shares become available over time rather than all at once.

The filing also lists several existing non-qualified stock options held directly by Blayne, with exercise prices ranging from $25.50 to $36.46 and expiration dates between October 31, 2029 and January 2, 2036, each tied to specific blocks of underlying WAFD common stock.

Insider Trade Summary

8 transactions reported

Mixed 8 txns

Insider Sanden Blayne

Role SVP & PAO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	750	$31.44	$24K
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)	--	--	--
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 — 5,133 shares (Direct); Non-Qualified Stock Option (right to buy) — 456 shares (Direct)

Footnotes (1)

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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^*

Sanden Blayne

(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)
	SVP & PAO

3. Date of Earliest Transaction (Month/Day/Year)
01/20/2026

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	01/20/2026		A		750(1)	A	$31.44	5,133	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)	$32.13							01/02/2029	01/02/2036	Common Stock	456		456	D
Non-Qualified Stock Option (right to buy)	$29.59							02/28/2028	02/28/2035	Common Stock	497		497	D
Non-Qualified Stock Option (right to buy)	$25.5							10/31/2026	10/31/2033	Common Stock	620		620	D
Non-Qualified Stock Option (right to buy)	$33.36							10/31/2025	10/31/2032	Common Stock	316		316	D
Non-Qualified Stock Option (right to buy)	$32.49							10/31/2024	10/31/2031	Common Stock	383		383	D
Non-Qualified Stock Option (right to buy)	$26.12							10/31/2023	10/31/2030	Common Stock	829		829	D
Non-Qualified Stock Option (right to buy)	$36.46							10/31/2022	10/31/2029	Common Stock	424		424	D

Explanation of Responses:

1. Restricted stock grant vests annually in equal amounts over five years beginning 1/20/2027.

Remarks:

	Kelli Holz, Attorney-in-fact	01/21/2026
	** 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.

FAQ

What insider transaction did WAFD (WAFD) report for Sanden Blayne?

WAFD reported that Sanden Blayne, its SVP & PAO, received an award of 750 shares of WAFD common stock on January 20, 2026, coded as an acquisition of stock.

At what price were the 750 WAFD shares granted to the SVP & PAO?

The 750 shares of WAFD Inc. common stock granted to Sanden Blayne were valued at $31.44 per share in the transaction table.

How many WAFD shares does Sanden Blayne own after this Form 4 transaction?

Following the reported grant, Sanden Blayne directly and beneficially owns 5,133 shares of WAFD common stock, as shown in the Form 4.

How does the restricted stock grant for WAFD’s SVP & PAO vest?

The footnote states that the restricted stock grant vests annually in equal amounts over five years, beginning on January 20, 2027, meaning the award becomes fully vested over that period.

What stock options for WAFD common stock does Sanden Blayne hold?

The filing lists several non-qualified stock options held directly by Sanden Blayne, with exercise prices including $32.13, $29.59, $25.50, $33.36, $32.49, $26.12, and $36.46, and expiration dates ranging from October 31, 2029 to January 2, 2036.

Is Sanden Blayne’s ownership of WAFD shares direct or indirect in this Form 4?

The tables show the 5,133 common shares and all listed non-qualified stock options as held with direct (D) ownership, with no indirect nature of ownership specified in the excerpt.