Welcome to our dedicated page for WAFD SEC filings (Ticker: WAFD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
WaFd, Inc. filings document the regulatory record of a bank holding company whose wholly owned subsidiary, WaFd Bank, is a federally insured Washington state chartered commercial bank. Disclosures cover operating results and financial condition, deposit composition, loan and credit-quality trends, capital discussions, risk factors, and the company’s common stock and Series A preferred stock structure.
Recent Form 8-K filings include earnings releases and fact sheets, Regulation FD investor presentations, board appointments and committee service, annual-meeting voting results, director transition notices, preferred-stock dividend declarations, and Community Reinvestment Act rating disclosures. Proxy and periodic-report references provide governance, executive compensation, auditor ratification, and risk-related context for the company’s banking operations.
WAFD INC senior vice president and principal accounting officer Blayne Sanden reported a Form 4 transaction involving company stock. On February 27, 2026, Sanden had 46 shares of common stock disposed of at $31.16 per share to satisfy tax obligations associated with equity compensation. After this tax-withholding disposition, Sanden directly owned 5,087 common shares. The filing also updates direct holdings of several non-qualified stock options, showing revised option balances but no additional purchases or open-market sales of common stock.
WaFd, Inc. furnished an investor presentation outlining recent performance and balance sheet trends as of December 31, 2025. The bank reported total assets of $27.3 billion, loans held for investment of $19.8 billion, deposits of $21.4 billion and stockholders’ equity of $3.0 billion.
For the quarter ended December 31, 2025, net interest income was $171.1 million, up 10% from a year earlier, while net income rose 36% to $64.2 million. Net income available to common shareholders increased 39% to $60.5 million, helped by higher non‑interest income, lower funding costs and reduced compensation expense, which drove the efficiency ratio down to 55.25% from 65.04%.
The presentation highlights strong asset quality, with non‑performing assets of $203 million, or 0.75% of total assets, and an allowance for credit losses of $200 million. Liquidity remains significant, with $5.6 billion in cash and securities, representing 21% of total assets, and a predominantly collateralized borrowing base.
WAFD Inc. executive vice president and Chief Consumer Banker Cathy E. Cooper reported an open-market sale of 5,300 shares of common stock on February 6, 2026 at $33.77 per share. After this sale, she beneficially owns 94,755 shares directly, including 36,418 SERP stock units, and 10,572 shares indirectly through a 401(k).
An investor in WaFd, Inc. (WAFD) has filed a Form 144 notice to sell 5,300 shares of common stock through Fidelity Brokerage Services LLC on NASDAQ, with an indicated aggregate market value of $178,981.00 and 75,863,334 common shares outstanding.
The shares planned for sale were originally acquired via restricted stock vesting from the issuer as compensation on three dates: 2,464 shares on 10/31/2022, 1,520 shares on 10/31/2023, and 1,316 shares on 10/31/2024, with payment made in the form of compensation rather than cash.
WaFd, Inc. held its Annual Meeting of Shareholders on February 3, 2026, where investors voted on directors, executive pay and the outside auditor. Four directors were elected to three-year terms, including Stephen M. Graham, Bradley M. Shuster, Randall H. Talbot and M. Max Yzaguirre, with total votes cast of 58,823,390 for each seat.
Shareholders approved a non-binding advisory vote on the compensation of the Company’s named executive officers, with 56,263,771 votes for, 2,300,778 against and 258,841 abstentions. They also ratified Deloitte & Touche LLP as independent registered public accountants for fiscal 2026 with 69,293,849 votes for out of 70,916,847 total votes cast.
Director Steven Singh notified the Company he will resign from the Board effective May 13, 2026 for personal reasons, not due to any disagreement with the Company or management. Director David Grant retired after the meeting under the Company’s director retirement policy, and the Board appointed Bradley Shuster as Chair of the Audit Committee.
WaFd, Inc. reported stronger quarterly profitability while asset quality softened. For the three months ended December 31, 2025, net income rose to $64.2 million from $47.3 million a year earlier, and net income available to common shareholders increased to $60.5 million.
Basic and diluted earnings per common share grew to $0.79 from $0.54, as net interest income improved to $171.1 million and non-interest expense declined modestly. Total non-interest income also increased, helped by higher deposit and other fee income.
Credit costs moved higher, with a $3.5 million provision for credit losses compared with no provision a year ago. Non-accrual loans increased to $191.3 million, or 0.95% of total loans at amortized cost, and delinquencies rose to 1.07% of total loans.
Total assets reached $27.3 billion, with available-for-sale securities growing and loans receivable, net, dipping slightly to $19.8 billion. The company continued returning capital, repurchasing 1,950,013 common shares at an average price of $29.75 and paying a quarterly common dividend of $0.27 per share, its 171st consecutive quarterly cash dividend.
WaFd, Inc. announced that its Board of Directors declared a cash dividend of $12.1875 per share on its 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock. This equals $0.30468750 per depositary share, each representing a 1/40th interest in a Series A preferred share and trading under the symbol WAFDP on NASDAQ.
The dividend is scheduled to be paid on April 15, 2026 to shareholders of record as of March 31, 2026. The company also included customary forward-looking statement cautions, referring investors to its Form 10-K risk factors for additional detail.
WaFd, Inc. announced that its banking subsidiary, WaFd Bank, successfully appealed its Community Reinvestment Act (CRA) rating with the Federal Deposit Insurance Corporation’s Supervision Appeals Review Committee. As a result of the appeal decision, the Bank’s lending test component rating was upgraded from “Needs to Improve” to “Low Satisfactory.”
This change also elevated WaFd Bank’s overall composite CRA rating from “Needs to Improve” to “Satisfactory.” The company disclosed this development via a press release dated January 21, 2026, which is included as an exhibit. The filing also reiterates that statements about future results are subject to risks and uncertainties described in the company’s prior SEC reports.
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.
WaFd, Inc. reported its earnings for the quarter ended December 31, 2025 and furnished the details in a press release and a financial fact sheet attached to this report. The press release is included as Exhibit 99.1, and a December 31, 2025 fact sheet with more detailed financial information is included as Exhibit 99.2.
The company also highlights that its statements about future expectations are forward-looking statements, which are subject to numerous risks such as interest rate changes, economic conditions, credit quality of borrowers, cyber-security threats, its exit from mortgage lending, regulatory examinations, geopolitical events, and broader industry pressures. These factors could cause actual results to differ materially from current expectations.