WAFD CFO Holz delivered or withheld 2,231 shares

The reported direct position includes 53,269 stock units awarded under a Supplemental Executive Retirement Plan, alongside shares acquired in dividend reinvestment transactions.

Available on EDGAR 11/03/2026 - 07:40 PM EST Accepted by SEC EDGAR 11/03/2026 - 07:40 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

WAFD INC EVP & CFO Kelli Holz reported 2,231 common shares delivered or withheld on October 31, 2026, for payment of exercise price or tax liability, at a reported $29.35 per share. Her direct holdings after the transaction were 114,164 shares, including 53,269 stock units awarded under a Supplemental Executive Retirement Plan and shares acquired in dividend reinvestment transactions. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Exercise Price or Tax Liability: 2,231 shares

Exercise Price or Tax Liability 1 txn

Insider HOLZ KELLI

Role EVP & CFO

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock F1, F2	2,231	$29.35	$65K
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 — 114,164 shares (Direct); Non-Qualified Stock Option (right to buy) — 3,099 contracts (Direct)

Holdings Before and After: Common Stock, 116,395 to 114,164 shares (Direct)

Footnotes (2)

1. F1. Includes 53,269 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.
2. F2. Holdings include shares acquired in dividend reinvestment transactions.

Key Figures

Shares delivered or withheld: 2,231 shares Reported price per share: $29.35 per share Direct holdings after transaction: 114,164 shares +4 more

7 metrics

Shares delivered or withheld 2,231 shares For payment of exercise price or tax liability on October 31, 2026.

Reported price per share $29.35 per share For the October 31, 2026 transaction.

Direct holdings after transaction 114,164 shares Includes 53,269 SERP stock units and shares acquired in dividend reinvestment transactions.

Underlying common shares under non-qualified stock options 607 shares Exercise price $32.49; expiration October 31, 2031.

Underlying common shares under non-qualified stock options 1,276 shares Exercise price $26.12; expiration October 31, 2030.

Underlying common shares under non-qualified stock options 652 shares Exercise price $36.46; expiration October 31, 2029.

Underlying common shares under non-qualified stock options 564 shares Exercise price $28.16; expiration October 31, 2028.

Key Terms

Non-Qualified Stock Option (right to buy), Supplemental Executive Retirement Plan, dividend reinvestment transactions

3 terms

Non-Qualified Stock Option (right to buy) financial

"Non-Qualified Stock Option (right to buy)"

Supplemental Executive Retirement Plan financial

"stock units awarded pursuant to a Supplemental Executive Retirement Plan"

dividend reinvestment transactions financial

"shares acquired in dividend reinvestment transactions"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many WAFD shares did Kelli Holz deliver or withhold?

Kelli Holz reported 2,231 common shares delivered or withheld on October 31, 2026, at $29.35 per share for payment of exercise price or tax liability. Her reported direct position afterward was 114,164 shares, including 53,269 SERP stock units and shares acquired in dividend reinvestment transactions; no Rule 10b5-1 plan is reported.

What WAFD stock options did Kelli Holz report?

The listed non-qualified stock options were for 607 underlying shares at a $32.49 exercise price, expiring October 31, 2031; 1,276 shares at $26.12, expiring October 31, 2030; 652 shares at $36.46, expiring October 31, 2029; and 564 shares at $28.16, expiring October 31, 2028.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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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 WASHINGTON 98101

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/31/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	10/31/2026		F		2,231	D	$29.35	114,164(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. Includes 53,269 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.

2. Holdings include shares acquired in dividend reinvestment transactions.

Remarks:

	Kelli Holz	11/03/2026
	** 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.
* Form 4: SEC 1474 (03-26)