[Form 4] WAFD INC Insider Trading Activity

Rhea-AI Filing Summary

WAFD Inc (WAFD) reported insider activity by its EVP & Chief Operations Officer. On 10/31/2025, the officer disposed of 11,296 shares of common stock (transaction code D) at $0, and reported a separate transaction (code F) of 2,982 shares at $29.03.

Following these transactions, the officer’s beneficial ownership stands at 115,517 shares. Footnotes state the holdings include shares acquired through dividend reinvestment and 56,751 stock units awarded under a Supplemental Executive Retirement Plan.

Insights

Equity governance analyst

Routine Form 4 with modest share movements; neutral impact.

The filing lists two same‑day transactions by a senior officer: a disposition of 11,296 common shares at $0 (code D) and a code F transaction for 2,982 shares at $29.03. After these, reported beneficial ownership is 115,517 shares, with footnotes noting dividend reinvestment and 56,751 SERP stock units included.

These entries document equity movements and updated holdings. There’s no stated change to company operations or capital structure beyond recording the insider’s positions. Actual market impact depends on context not provided here.

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^*

Robison Kim 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 Operations Officer

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		11,296	D	$0	118,499	D
Common Stock	10/31/2025		F		2,982	D	$29.03	115,517(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

Explanation of Responses:

1. Holdings include shares acquired in dividend reinvestment transactions.

2. Includes 56,751 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

Remarks:

	Kelli Holz, Attorney-in-fact	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 activity did WAFD (WAFD) report?

An EVP & Chief Operations Officer reported a disposition of 11,296 shares (code D) and a separate 2,982-share transaction (code F) on 10/31/2025.

What is the officer’s updated beneficial ownership at WAFD?

The filing shows 115,517 shares beneficially owned after the reported transactions.

At what price was the code F transaction reported for WAFD?

The code F transaction was reported at $29.03 per share.

Who is the reporting person in WAFD’s Form 4?

An EVP & Chief Operations Officer of WAFD Inc is the reporting person.

What do the Form 4 footnotes say about WAFD holdings?

The footnotes state holdings include dividend reinvestment shares and 56,751 stock units awarded under a SERP.

When did the WAFD insider transactions occur?

The transactions occurred on 10/31/2025, per the filing.