WAFD WAFD INC
Q4 2025 10-Q
WAFD INC (WAFD) 10-Q quarterly report for Q4 2025, filed with SEC EDGAR on Feb 4, 2026 for the fiscal period ending Dec 31, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
AI Filing AnalysisQ4 2025 10-Q
Management Discussion & Analysis
- • Revenue not explicitly stated; net interest income $171.1M, up $15.7M from $155.4M YoY for Q4 FY2026 vs Q4 FY2025
- • Net interest margin 2.70% vs 2.39% YoY; yield on earning assets 5.09% vs 5.31%; cost of liabilities 2.88% vs 3.48%
Risk Factors
- • Regulatory risk upgraded: CRA rating improved from “Needs to Improve” to “Satisfactory” on January 16, 2026 after FDIC appeal
- • Most materially updated risk: CRA Lending Test rating raised to “Low Satisfactory,” impacting future expansion and M&A flexibility
Quarterly Financial SummaryXBRL
Revenue
$8M
▲ +11.5% YoY
Net Income
$64M
▲ +35.8% YoY
Net Margin
817.0%
▲ +14612bp YoY
ROE
2.1%
▲ +55bp YoY
Total Assets
$27.3B
▼ -1.4% YoY
EPS (Diluted)
$0.79
▲ +46.3% YoY
Operating Cash Flow
$60M
▲ +22.4% YoY
Source: XBRL data from WAFD INC Q4 2025 10-Q filing on SEC EDGAR. All figures in USD.
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