WaFd

WAFD

Market cap $2.19B

WaFd, Inc. (NASDAQ:WAFD ) Q4 2025 Earnings Call October 17, 2025 10:00 AM EDT Company Participants Brad Goode - Chief of Communications, Marketing & Community Relations and Senior VP Brent Beardall - President, CEO & Vice Chairman Kelli Holz - Executive VP & CFO Ryan Mauer - Executive VP & Chief Credit Officer Cathy Cooper - Executive VP, Chief Experience Officer & Corporate Secretary Conference Call Participants Jeff Rulis - D.A. Davidson & Co., Research Division Matthew Clark - Piper Sandler & Co., Research Division Andrew Terrell - Stephens Inc., Research Division Kelly Motta - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Good day, and thank you for standing by.

WaFd's Q4 earnings slip below estimates as revenues decline year over year, while lower expenses and stronger non-interest income offer support.

While the top- and bottom-line numbers for WaFd (WAFD) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

WaFd (WAFD) came out with quarterly earnings of $0.72 per share, missing the Zacks Consensus Estimate of $0.75 per share. This compares to earnings of $0.7 per share a year ago.

SEATTLE--(BUSINESS WIRE)---- $WAFD #banking--WaFd, Inc. (Nasdaq: WAFD): Fiscal Year Highlights   $226 Million   $2.63   0.84%   9.20% Net Income   Diluted Earnings per Common Share   Return on Average Assets   Return on Tangible Common Equity (1) Fourth Quarter Highlights   $61 Million   $0.72   0.91%   9.99% Net Income   Diluted Earnings per Common Share   Return on Average Assets   Return on Tangible Common Equity (1) "We finished Fiscal 2025 trending in the right direction with an improving margin, a significa.

Get a deeper insight into the potential performance of WaFd (WAFD) for the quarter ended September 2025 by going beyond Wall Street's top-and-bottom-line estimates and examining the estimates for some of its key metrics.

Brent Beardall, WaFd Bank president and CEO, joins 'The Exchange' to discuss if financial conditions are currently restrictive, the Federal Reserve's mandate and much more.

SEATTLE--(BUSINESS WIRE)---- $WAFD #banking--WaFd, Inc. (Nasdaq: WAFD) (the “Company”), parent company of Washington Federal Bank (“WaFd Bank”), today announced that it has been designated as a Preferred Lender with the U.S. Small Business Administration (“SBA”), a significant milestone that allows the bank to deliver faster, more efficient financing solutions to small businesses. The SBA Preferred Lender Program grants select financial institutions increased authority to approve, close, and service SBA-guarantee.

WaFd offers a preferred share - WAFDP - yielding 7.2%, appealing for income-focused investors seeking stability and steady dividends. WAFD's net interest margin has improved despite lower asset yields and declining loan and deposit growth post-merger with Luther Burbank. The bank's loan-to-deposit ratio has dropped, reducing reliance on external financing, but remains high compared to peers, signaling ongoing funding challenges.

From a technical perspective, WaFd, Inc. (WAFD) is looking like an interesting pick, as it just reached a key level of support. WAFD's 50-day simple moving average crossed above its 200-day simple moving average, which is known as a "golden cross" in the trading world.