Short answer
WAFD INC (WAFD) filed its Q4 2025 10-Q quarterly report on Feb 4, 2026 for the quarter ended Dec 31, 2025. Quarterly revenue was $8M (up 11.5% year over year) with net income of $64M.
Q4 2025 key financials · XBRL
- Revenue
- $8M
- +11.5% YoY
- Net income
- $64M
- +35.8% YoY
- EPS (diluted)
- $0.79
- +46.3% YoY
Source: XBRL data from the WAFD INC (WAFD) Q4 2025 10-Q on SEC EDGAR. USD.
WAFD INC Q4 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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%
- Best performing segment: Commercial & industrial loans increased $138M (+5.8%); worst: Single-family residential loans decreased $230M (-2.9%)
- Cash and cash equivalents increased $77.6M (11.8%) to $734.9M; borrowings up $671M to $2.44B to fund securities purchases
- Management notes rising non-performing assets to 0.75% of total assets; maintains strong capital ratios and equity at 11.10% of assets
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
- Legal/compliance risk: Potential restrictions on branch establishment and expedited application processing if next CRA exam returns “Needs to Improve”
- Operational risk: CRA rating affects relationships with public agencies and could impede certain strategic opportunities
- No new financial risks related to liquidity, debt, or currency exposure disclosed this quarter
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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