WAFD INC (WAFD) FY2025 10-K Annual Report
WAFD INC (WAFD) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Nov 18, 2025. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
WAFD INC FY2025 10-K Analysis
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
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
WAFD INC FY2025 Key Financial MetricsXBRL
Revenue
$30M
▲ +7.8% YoY
Net Income
$226M
▲ +13.0% YoY
Net Margin
762.5%
▲ +3522bp YoY
ROE
7.4%
▲ +77bp YoY
Total Assets
$26.7B
▼ -4.8% YoY
EPS (Diluted)
$2.63
▲ +5.2% YoY
Operating Cash Flow
$237M
▼ -46.1% YoY
Source: XBRL data from WAFD INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on WAFD INC
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.