WaFd, Inc. Common Stock (WAFD) Financials
Key financial figures for WaFd, Inc. Common Stock (Q3 2026).
WaFd grew Q3 FY2026 diluted EPS to $0.84 (+15% year over year) and cut its efficiency ratio to 53.69%, even as provision for credit losses nearly tripled linked-quarter to $11.0 million on growth in the active C&I and construction book. Net income was $66.1 million, or $0.84 per diluted share, up 2% from Q2 FY2026's $0.82 and up 15% from Q3 FY2025's $0.73. Net interest margin held steady at 2.81% (unchanged linked-quarter) as asset yields and funding costs moved roughly in tandem; net interest income rose to $181.3 million from $177.6 million. The efficiency ratio improved to 53.69% from 55.66%, helped by a $4.4 million gain on the sale of a branch property that lifted non-interest income to $24.2 million. On the outlook: Management said capital ratios are expected to remain in line with the March 31, 2026 levels (total risk-based capital ratio 14.4%, CET1 ratio 11.4%), pending finalization of proposed Basel III Endgame revisions that WaFd estimates could reduce risk-weighted assets by approximately 12.5% (about $317 million of capital relief) if the company opts in. Figures are for Q3 FY2026, as WaFd, Inc. reported them.
- Revenue
- $8M
- Net Income
- $66M
- EPS
- $0.85
- Total Assets
- $27.6B
- Operating Cash Flow
- $70M
Recent quarters
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| Q3 FY2026 | $356M | $66M | $0.89 | 23.66% | $63M |
| Q2 FY2026 | $345M | $66M | $0.87 | 24.3% | $68M |
| Q1 FY2026 | $343M | $64M | $0.79 | 24% | $50M |
| Q4 FY2025 | $344M | $61M | $0.72 | 22.55% | $46M |
| Q3 FY2025 | $350M | $62M | $0.73 | 22.79% | $53M |
Recent fiscal years
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| FY2025 | $1.4B | $226M | $2.63 | 20.54% | $208M |
| FY2024 | $1.4B | $200M | $2.50 | 17.87% | $415M |
| FY2023 | $1.1B | $257M | $3.72 | 29.68% | $199M |
Frequently asked questions
What was WaFd, Inc.'s revenue last quarter?
WaFd, Inc. reported revenue of $356.5 million for Q3 FY2026, up 1.9% from the same period a year earlier.
Is WaFd, Inc. profitable?
Yes. WaFd, Inc. reported net income of $66.1 million for Q3 FY2026, a net margin of 18.55% on revenue.
How has WaFd, Inc.'s margin trended?
Operating margin was 23.66% in Q3 FY2026, compared with 22.79% in the same period a year earlier. The quarter by quarter series is on the SentiSense financials page.
When does WaFd, Inc. report next?
WaFd, Inc. is scheduled to report results on 2026-10-15. The company has confirmed that date.
Full income statement, balance sheet and cash flow for WaFd, Inc. Common Stock on SentiSense, with up to forty quarters and twenty fiscal years of history.