WaFd officer now holds 105,131 shares after $29.03 transaction

Rhea-AI Filing Summary

WaFd Inc (WAFD) reported insider activity by its EVP & Chief Credit Officer on 10/31/2025. The officer disposed of 11,296 shares of common stock (Code D, price $0) and a separate 2,982-share disposition at $29.03 (Code F). Following these transactions, the officer directly beneficially owned 105,131 shares.

Holdings include shares acquired via dividend reinvestment and 61,912 stock units awarded under a SERP. The filer also holds a non-qualified stock option for 618 shares at an exercise price of $28.16, expiring 10/31/2028.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Mauer Ryan

Role EVP & Chief Credit Officer

Type	Security	Shares	Price	Value
Disposition	Common Stock	11,296	$0.00	--
Tax Withholding	Common Stock	2,982	$29.03	$87K
holding	Non-Qualified Stock Option (right to buy)	--	--	--

Holdings After Transaction: Common Stock — 108,113 shares (Direct); Non-Qualified Stock Option (right to buy) — 618 shares (Direct)

Footnotes (1)

1. Holdings include shares acquired in dividend reinvestment transactions. Includes 61,912 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^*

Mauer Ryan

(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 Credit 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	108,113	D
Common Stock	10/31/2025		F		2,982	D	$29.03	105,131(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)	$28.16							10/31/2018	10/31/2028	Common Stock	618		618	D

Explanation of Responses:

1. Holdings include shares acquired in dividend reinvestment transactions.

2. Includes 61,912 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 transactions did WAFD report?

An officer reported disposing of 11,296 shares at $0 (Code D) and 2,982 shares at $29.03 (Code F) on 10/31/2025.

How many WAFD shares does the reporting person hold after the transactions?

Direct beneficial ownership is 105,131 shares following the reported transactions.

What do the footnotes say about WAFD holdings?

Holdings include shares from dividend reinvestment and 61,912 stock units granted under a SERP.

What derivative securities are reported for WAFD?

A non-qualified stock option covering 618 shares at $28.16, expiring on 10/31/2028.

Who is the WAFD insider in this Form 4?

An EVP & Chief Credit Officer of WaFd Inc is the reporting person; the filing is signed by an attorney-in-fact.

When did the WAFD insider transactions occur?

The earliest transaction date reported is 10/31/2025.