WAFD INC (WAFD) Q4 2025 10-Q Quarterly Report
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.
WAFD INC Q4 2025 10-Q Analysis
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
WAFD INC Q4 2025 Quarterly FinancialsXBRL
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.
Get deeper insights on WAFD INC
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.