Sep 2026 (Q4 FY26) — Oct 16, 2026
WaFd Q4 FY26 — Strong Loan Growth and Credit Resolution Ahead of EverBank Merger
Read the full callWaFd (WAFD) earnings
- Jun 2026
- Sep 2026 (Q4 FY26)
- Sep 2025
WaFd earnings: last reported Fri, 16 Oct 2026, for the quarter ended Sep 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 8.1 | +7.3% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 66.1 | +6.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$28.42 −2.50% · −$0.73
Performance +1.2% 1Y
1Y: $28.07 on 17 Oct 2025 → $28.42. High $39.32 (16 Jul 2026), low $28.07 (17 Oct 2025).
- Previous close
- $29.15
- 52-week range
- $28.42 – $39.32
- One year
- −2.37%
Overview
- Symbol
- WAFD
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Jun 2026 (Q3 FY26) — Jul 17, 2026
WaFd, Inc. Q3 FY26 — Strong Loan Growth and Improved Efficiency
Read the full callEvery analysed call
WaFd earnings calls (WAFD)
Financials
What the filings say
Net profit, year on year: +7% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 7 | 7 | 7 | 8 | 8 | 8 | 8 | 8 |
| Profit before tax | 81 | 60 | 72 | 80 | 78 | 82 | 84 | 84 |
| Tax rate | 24.2% | 21.6% | 21.9% | 22.3% | 21.9% | 22.0% | 21.8% | 21.6% |
| Net profit | 61 | 47 | 56 | 62 | 61 | 64 | 66 | 66 |
| EPS ($ per share) | — | 0.54 | 0.65 | 0.73 | — | 0.79 | 0.82 | 0.85 |
| Line item | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 135 | 136 | 136 | 136 | 136 | 136 | 154 | 154 |
| Reserves | 1,189 | 1,336 | 1,421 | 1,529 | 1,689 | 1,868 | 1,979 | 2,106 |
| Total liabilities | 13,869 | 14,442 | 16,780 | 17,525 | 18,498 | 20,048 | 25,060 | 23,660 |
| Fixed assets | 268 | 274 | 253 | 255 | 243 | 237 | 248 | 261 |
| Total assets | 15,866 | 16,475 | 18,794 | 19,651 | 20,772 | 22,475 | 28,060 | 26,700 |
| Line item | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 191 | 234 | 167 | 314 | 268 | 214 | 439 | 237 |
| Cash from investing | -674 | -421 | -921 | -580 | -2,493 | -1,378 | 3,287 | -318 |
| Cash from financing | 439 | 338 | 2,038 | 653 | 818 | 1,461 | -2,326 | -1,642 |
| Net cash flow | -44 | 151 | 1,284 | 388 | -1,407 | 297 | 1,400 | -1,724 |
| Capital expenditure | -27 | -36 | -32 | -29 | -12 | -15 | -25 | -29 |
| Free cash flow | 164 | 199 | 135 | 285 | 257 | 199 | 415 | 208 |
WAFD operating KPIs by quarter
| KPI | Jun 2026 Q3 FY26 | Sep 2026 Q4 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 2.81%As a result, the net interest margin held steady at 2.81%, no change from the March 31 quarter.Source: earnings call transcript | 2.81%As a result, the net interest margin held steady at 2.81%, no change from the June 30, 2026 quarter.Source: earnings call transcript | 0 pt |
| Efficiency ratio | 53.7%The company's efficiency ratio for the June quarter was 53.7% compared to 55.7% in the prior quarter.Source: earnings call transcript | 55.12%The company's efficiency ratio for the September quarter was 55.12% compared to 53.7% in the prior quarter.Source: earnings call transcript | +1.4 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Insider filings
36 filings between Oct 31, 2025 and Apr 24, 2026.
Open market
decisions to buy or sellPurchases
$100.2K
2 purchases by 1 insider
Sales
$955.1K
2 sales by 2 insiders
Compensation
not trading decisions- 16
- Award — granted as compensation
- 9
- Tax withheld — shares kept back by the company to cover tax
Also filed: 5 dispositions to the issuer, 1 gift, 1 other.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Robison Kim E | — | $776.2K | Apr 24, 2026 |
| Cooper Cathy E | — | $179.0K | Feb 6, 2026 |
| BEARDALL BRENT J | $100.2K | — | Dec 3, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Apr 24, 2026 | Robison Kim E EVP & Chief Operations Officer | Sale | 22,000 | $776.2K |
| Feb 27, 2026 | Sanden Blayne SVP & PAO | Tax withheld | 46 | $1.4K |
| Feb 6, 2026 | Cooper Cathy E EVP & Chief Consumer Banker | Sale | 5,300 | $179.0K |
| Jan 20, 2026 | Sanden Blayne SVP & PAO | Award | 750 | $23.6K |
| Jan 2, 2026 | YZAGUIRRE MARIO MAX Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | SHUSTER BRADLEY M Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | SINGH SUDHIR STEVEN Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | GRANT DAVID K Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | TALBOT RANDALL H Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | BROWER LINDA S Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | BROWER LINDA S Director | Tax withheld | 993 | $31.8K |
| Jan 2, 2026 | GRAHAM STEPHEN Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | Bice Shawn Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | Hampel Sylvia Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | Singleton Sean Director | Award | 3,310 | $106.0K |
| Jan 2, 2026 | Singleton Sean Director | Tax withheld | 808 | $25.9K |
| Dec 29, 2025 | BEARDALL BRENT J President & CEO | Gift | 2,273 | $0 |
| Dec 3, 2025 | BEARDALL BRENT J President & CEO | Purchase | 3,000 | $50.6K |
| Nov 26, 2025 | BEARDALL BRENT J President & CEO | Purchase | 3,000 | $49.6K |
| Nov 11, 2025 | HOLZ KELLI EVP & CFO | Award | 21,609 | $660.4K |
| Nov 11, 2025 | BEARDALL BRENT J President & CEO | Award | 83,116 | $2.54M |
| Nov 11, 2025 | Cooper Cathy E EVP & Chief Consumer Banker | Award | 21,609 | $660.4K |
| Nov 11, 2025 | Robison Kim E EVP & Chief Operations Officer | Award | 21,609 | $660.4K |
| Nov 11, 2025 | Mauer Ryan EVP & Chief Credit Officer | Award | 21,609 | $660.4K |
| Oct 31, 2025 | Cooper Cathy E EVP & Chief Consumer Banker | Disposition to issuer | 11,296 | $0 |
| Oct 31, 2025 | HOLZ KELLI EVP & CFO | Disposition to issuer | 10,630 | $0 |
| Oct 31, 2025 | HOLZ KELLI EVP & CFO | Tax withheld | 3,090 | $89.7K |
| Oct 31, 2025 | BEARDALL BRENT J President & CEO | Disposition to issuer | 50,960 | $0 |
| Oct 31, 2025 | BEARDALL BRENT J President & CEO | Tax withheld | 9,652 | $280.2K |
| Oct 31, 2025 | BEARDALL BRENT J President & CEO | Other | 5,204 | $151.1K |
| Oct 31, 2025 | Cooper Cathy E EVP & Chief Consumer Banker | Tax withheld | 2,982 | $86.6K |
| Oct 31, 2025 | Robison Kim E EVP & Chief Operations Officer | Disposition to issuer | 11,296 | $0 |
| Oct 31, 2025 | Robison Kim E EVP & Chief Operations Officer | Tax withheld | 2,982 | $86.6K |
| Oct 31, 2025 | Mauer Ryan EVP & Chief Credit Officer | Disposition to issuer | 11,296 | $0 |
| Oct 31, 2025 | Mauer Ryan EVP & Chief Credit Officer | Tax withheld | 2,982 | $86.6K |
| Oct 31, 2025 | Sanden Blayne SVP & PAO | Tax withheld | 205 | $6.0K |
| Sep 19, 2025 | Singleton Sean Director | Gift 10b5-1 plan | 160 | $0 |
| Sep 17, 2025 | Singleton Sean Director | Sale 10b5-1 plan | 1,004 | $31.8K |
| Feb 28, 2025 | Sanden Blayne SVP & PAO | Award | 750 | $22.2K |
| Jan 16, 2025 | Endrizzi James SVP & Regional Director | Disposition to issuer | 37,843 | $0 |
| Jan 2, 2025 | Hampel Sylvia Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | GRANT DAVID K Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | GRAHAM STEPHEN Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | TALBOT RANDALL H Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | SINGH SUDHIR STEVEN Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | Bice Shawn Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | BROWER LINDA S Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | BROWER LINDA S Director | Tax withheld | 987 | $31.8K |
| Jan 2, 2025 | Singleton Sean Director | Award | 3,288 | $106.0K |
| Jan 2, 2025 | Singleton Sean Director | Tax withheld | 995 | $32.1K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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