Inferra AI / Company / WAFD

Wafd Inc.

WAFD · Financials

Last earnings Oct 16, 2026

Key results

Net incomequarter

$0.76

After the effect of dividends on preferred stock, net income available for common shareholders was $0.76 per diluted share for the quarter ended September 30, 2026 compared to $0.84 the prior quarter.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Net incomefull-year

$3.21

After the effect of dividends on preferred stock, net income available for common shareholders was $3.21 per diluted share for the year ended September 30, 2026, compared to $2.63 per diluted share for the year ended September 30, 2025, a $0.58 or 22% increase in fully diluted earnings per common share.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

AI analysis

Q4 2026 · reported Oct 16, 2026

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Diluted EPS · Q4 2026

$0.76

Full year: $3.21

EX-99 · Oct 16, 2026

Net income · Q4 2026

$0.76

EX-99 · Oct 16, 2026

The quarter in charts

Diluted EPS — GAAP

Per diluted share, as stated

EX-99 · Oct 16, 2026 EPS values as stated in the release.

Headline figures

Metric	Q4 2026	Prior qtr	Year ago
Net income	$0.76	—	—

EX-99 · Oct 16, 2026

Guidance · company-stated

No guidance located in the held release

Outlook statement

“The decrease compared to the prior quarter was the result of improved outlook on credit quality combined with a reduction in adversely classified loans.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.27

Net income$0.76

Net incomefull year$3.21

Shareholder Returns and Stock Activity On September 4, 2026, the Company paid a cash dividend of $0.27 per share, 174 th consecutive quarterly dividend paid.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Our balance sheet strength and resiliency were demonstrated this quarter, allowing us to handle the classified loan, while still delivering meaningful improvement in earnings to shareholders

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Shareholder Returns and Stock Activity On September 4, 2026, the Company paid a cash dividend of $0.27 per share, 174 th consecutive quarterly dividend paid.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

During the year, the Company repurchased 4,703,844 shares of common stock at a weighted average price of $31.00.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Our share repurchase plan currently has an authorization of 7,992,669 shares.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Borrowings totaled $2.5 billion as of September 30, 2026, up from $1.8 billion at September 30, 2025.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Strategy & priorities

In spite of the recent surge in interest rates to their highest level in the last twenty years, with the 10 year bond at levels above 5.20%, WaFd is well positioned to benefit from rising rates as our assets are expected to reprice more quickly than our liabilities resulting in expansion of our margin over the short term.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Non-interest expense up $11.2 million c ompared to Q3 due to strategic investments and merger related expenses.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

NOTE B New Accounting Pronouncements In October 2023, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2023-06 Disclosure Improvements: Codification Amendments in Response to the SEC's Disclosure Update and Simplification Initiative to clarify or improve disclosure and presentation requirements on a variety of topics and align the requirements in the FASB accounting standard codification with the Securities and Exchange Commission regulations.

SEC original ↗Wafd Inc. — 10-Q Quarterly report10-QAug 4, 2026

Risks & headwinds

By their nature, forward-looking statements involve inherent risk and uncertainties including the following risks and uncertainties, and those risks and uncertainties more fully discussed under Risk Factors in the Company s September 30, 2025 10-K and Quarterly Reports on Form 10-Q, which could cause actual performance to differ materially from that anticipated by any forward-looking statements.

SEC original ↗Wafd Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2026

Legal Proceedings 62 Item 1A.

SEC original ↗Wafd Inc. — 10-Q Quarterly report10-QAug 4, 2026

Documents

Earnings deck slides

0 decks with slide view

Wafd Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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