WAFD at a glance
WAFD INC (WAFD, SEC CIK 936528) filed its latest 10-K annual report on November 18, 2025, a 10-Q quarterly report on August 4, 2026, an 8-K current report on October 5, 2026 and Form 4 insider filings as recently as April 27, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended September 30, 2025 (FY2025), WAFD INC (WAFD) reported revenue of $29.6 million (up 7.8% from FY2024) and net income of $226.1 million. Diluted EPS was $2.63.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding WAFD INC (WAFD) shares worth $1.4 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Robison Kim E on April 24, 2026 of 22,000 shares at $35.28 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $29.6M
- +7.8% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 31 funds
- $1.4B · +0 vs prior quarter
- Latest 8-K
- Sep 8, 2026
- Item 1.01 · Item 5.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Sep 30, 2025
Business Overview
- Core business model: Commercial bank offering lending, deposit, insurance, and wealth management services across nine western states
- Merger completion with Luther Burbank Corporation in March 2024 adds $7.7B assets and 10 California branches, expanding geographic footprint
- Strategic exit from originating consumer single-family home loans and HELOCs effective January 2025, maintaining existing loan portfolio
- Loan portfolio contracts 4% to $20.1B with 75.2% of assets in loans; commercial multi-family loans rise to 22.2% of portfolio
- Stock delivers 14,253% total shareholder return over 43 years with 170 consecutive quarterly dividends since 1982 listing
Risk Factors
- Regulatory risk: Increasing scrutiny from SEC on cybersecurity disclosure and incident reporting requirements
- Macroeconomic threat: Potential operational impact from economic downturn affecting loan demand and credit risk
- Operational vulnerability: Dependency on Chief Information Security Officer and team for cybersecurity incident prevention and response
- Competitive risk: Emergence of fintech firms leveraging advanced cloud security technologies impacting market share
- Financial risk: Concentration of technology risk oversight among four Board members with tech expertise
AI summary of the WAFD 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Near-term headwinds: fluctuating interest rates, inflation, credit deterioration, and potential additional loan-loss provisions
- Strategic risks: Bank exit from single-family mortgage lending and California-market entry
- Outlook caveat: forward-looking statements subject to economic, regulatory, market, and operational uncertainties
Risk Factors
- CRA risk reduced: FDIC upgraded overall rating to “Satisfactory” on January 16, 2026 after successful appeal
- Future CRA exams: “Needs to Improve” rating could restrict mergers, acquisitions, and branch expansion
- Regulatory dividend risk: Common dividends subject to capital adequacy, compliance, and cash-resource reviews
- Preferred-stock priority: Series A Preferred dividends rank senior to common-stock dividends at 4.875% annually
AI summary of the WAFD 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- WaFd to acquire EverBank in an all-stock merger, with WaFd surviving and later renamed EverBank Financial Corp
- EverBank holders receive 59.175% and existing WaFd holders 40.825% of the combined company, implying major ownership dilution
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Employment agreement contingent on merger closing; five-year initial term with automatic one-year renewals
- Beardall compensation: $1,116,625 salary, 100% target bonus, and eligibility for equity awards
Item 7.01: Regulation FD Disclosure
- Website information expressly excluded from incorporation into future SEC filings
- Investors should review the full 8-K and exhibits for substantive disclosed information
Item EX-99.1: Item EX-99.1
- $3.9B reverse merger combines EverBank and WaFd, with WaFd surviving and EverBank designated accounting acquirer
- WaFd shareholders expected to own 40.8% of the combined company versus 59.2% for EverBank investors
Item 8.01: Other Events
- Board declared $12.1875-per-share cash dividend on 4.875% Series A preferred stock
- Equivalent $0.30468750 dividend per WAFDP depositary share
AI summaries of WAFD 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for WAFD
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- Fund moves. Which tracked funds opened, added or cut WAFD, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Robison Kim E | Sell | Apr 24, 2026 | 22,000 | $35.28 |
| Sanden Blayne | F | Feb 27, 2026 | 46 | $31.16 |
| Cooper Cathy E | Sell | Feb 6, 2026 | 5,300 | $33.77 |
| Sanden Blayne | A | Jan 20, 2026 | 750 | $31.44 |
| SHUSTER BRADLEY M | A | Jan 2, 2026 | 3,310 | $32.03 |
| GRANT DAVID K | A | Jan 2, 2026 | 3,310 | $32.03 |
| SINGH SUDHIR STEVEN | A | Jan 2, 2026 | 3,310 | $32.03 |
| YZAGUIRRE MARIO MAX | A | Jan 2, 2026 | 3,310 | $32.03 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $26.1M | $27.5M | $29.6M |
| Net Income | $257.4M | $200.0M | $226.1M |
| Net Margin | 988.2% | 727.2% | 762.5% |
| Balance Sheet | |||
| Total Assets | $22.5B | $28.1B | $26.7B |
| Equity | $2.4B | $3.0B | $3.0B |
| ROE | 10.6% | 6.7% | 7.4% |
| Per Share | |||
| EPS | - | $2.50 | $2.63 |
| Cash Flow | |||
| Operating CF | $214.0M | $439.2M | $237.0M |
| CapEx | $15.1M | $24.7M | $28.7M |
Source: XBRL data in WAFD INC (WAFD)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate WAFD share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $1.45B |
| Q1 2026 | 31 | $1.15B |
| Q4 2025 | 27 | $1.19B |
| Q3 2025 | 29 | $1.14B |
| Q2 2025 | 29 | $1.13B |
| Q1 2025 | 25 | $789.8M |
| Q4 2024 | 21 | $824.2M |
| Q3 2024 | 17 | $535.0M |
- Millennium Management+348.3K (+168%)
- Goldman Sachs Group+263.3K (+53%)
- Ameriprise Financial+243.5K (+29%)
- D.E. Shaw & Co+238.7K (+43%)
- State Street Corp+130.1K (+3%)
- BlackRock−269.9K (-2%)
- Vanguard Capital Management LLC−102.9K (-3%)
- Wells Fargo & Co−73.2K (-10%)
- Vanguard Portfolio Management LLC−65.5K (-1%)
- Citadel Advisors LLC−56.1K (-53%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 210 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
WAFD filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Oct 5, 2026 | - | - | - |
| 8-K | Sep 8, 2026 | - | Analysis | - |
| SC 13G | Aug 14, 2026 | - | - | |
| 8-K | Aug 11, 2026 | - | Analysis | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 28, 2026 | - | Analysis | - |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| 8-K | Jul 6, 2026 | - | Analysis | - |
| 8-K | May 12, 2026 | - | Analysis | |
| 10-Q | May 5, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 5, 2026 | - | Analysis | - |
| SC 13G | Apr 30, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 4 | Apr 27, 2026 | - | - | - |
| 8-K | Apr 17, 2026 | - | Analysis | - |
| 8-K | Apr 2, 2026 | - | Analysis | - |
| 4 | Mar 2, 2026 | - | - | - |
| 8-K | Mar 2, 2026 | - | Analysis | - |
| 8-K | Feb 23, 2026 | - | Analysis | - |
| 4 | Feb 6, 2026 | - | - | |
| 8-K | Feb 4, 2026 | - | - | |
| 10-Q | Feb 4, 2026 | Dec 31, 2025 | Analysis | |
| 8-K | Feb 3, 2026 | - | - | |
| 8-K | Jan 22, 2026 | - | - | |
| 4 | Jan 21, 2026 | - | - |
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WAFD SEC filings: frequently asked questions
Which institutions hold WAFD stock?
As of June 30, 2026, the largest WAFD INC (WAFD) holders among the 13F filers tracked by SignalX were BlackRock ($413.4 million), Dimensional Fund Advisors ($190.5 million), Vanguard Portfolio Management LLC ($182.4 million), State Street Corp ($166.7 million), Vanguard Capital Management LLC ($127.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was WAFD's revenue in fiscal year 2025?
For the fiscal year ended September 30, 2025 (FY2025), WAFD INC (WAFD) reported revenue of $29.6 million (up 7.8% from FY2024) and net income of $226.1 million. Diluted EPS was $2.63. The figures come from the XBRL data in the 10-K.
What are the main risks in WAFD's latest 10-K?
In the 10-K filed November 18, 2025, WAFD INC (WAFD) flagged: Regulatory risk: Increasing scrutiny from SEC on cybersecurity disclosure and incident reporting requirements. Macroeconomic threat: Potential operational impact from economic downturn affecting loan demand and credit risk. (AI summary of the Risk Factors section.)
What did WAFD report in its latest 8-K?
WAFD INC (WAFD) filed an 8-K on September 8, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement), Item 5.02 (Departure/Appointment of Directors or Principal Officers) and Item 7.01 (Regulation FD Disclosure). WaFd to acquire EverBank in an all-stock merger, with WaFd surviving and later renamed EverBank Financial Corp.
What are the latest WAFD SEC filings?
WAFD INC (WAFD) filed its latest 10-K annual report on November 18, 2025, a 10-Q quarterly report on August 4, 2026, an 8-K current report on October 5, 2026 and a Form 4 insider filing on April 27, 2026.
What is WAFD's SEC CIK number?
WAFD INC (WAFD)'s SEC Central Index Key (CIK) is 936528. EDGAR lists every WAFD filing under that number.
Ask anything about WAFD
The research agent reads WAFD's filings, financials, insider trades and 13F holders, then answers with sources.