WAFD Inc.

Banks - Regional • Financial Services • Seattle, WA, United States • WAFDP (NMS)

206 624 7930 425 Pike Street, Seattle, WA 98101, United States

Quarter: Q4 2025 Reported: November 12, 2025 Sentiment: Neutral

WaFd, Inc. operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company provides deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It offers single-family residential, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. Additionally, it provides technology and data services; and personalized financial guidance and investment services. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc. in September 2023. WaFd, Inc. was founded in 1917 and is headquartered in Seattle, Washington.

Analysis Summary

This Form 8-K filing from WAFD, INC. serves as a pre-earnings announcement, detailing the schedule for the release of its fourth quarter and fiscal year 2025 financial results. The company will publish these results after the market closes on October 16, 2025. A subsequent conference call and webcast for investors and analysts is scheduled for October 17, 2025, at 7:00 am PT (10:00 am EDT), during which management will discuss the reported financial performance. This document does not contain any actual financial figures, strategic updates, or forward guidance for the quarter or fiscal year ended September 30, 2025. Instead, it directs stakeholders to register for the upcoming call to obtain this information. The filing also includes standard cautionary statements regarding forward-looking information, referencing the 'Risk Factors' section in the company's Annual Report on Form 10-K for the year ended September 30, 2024, for a comprehensive understanding of potential risks and uncertainties. No analyst Q&A highlights are available as this is an announcement, not an earnings call transcript.

Key Highlights

• WAFD, INC. to release Q4 and fiscal year 2025 earnings on October 16, 2025.
• Earnings will be released after market close.
• Conference call for investors and analysts scheduled for October 17, 2025, at 10:00 am EDT.
• Management will discuss Q4 and full fiscal year 2025 results during the call.
• Registration links provided for the upcoming conference call.
• This document is an announcement, not the earnings report itself.

Financial Metrics

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revenue

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guidance

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Stock Performance (90 Days)

Data through Dec 24, 2025

Layoff Events

Earnings Calls

Positive Signals

• Commitment to transparent communication by scheduling an earnings release and call.
• Providing clear dates and times for investor engagement.
• Offering multiple registration links for the conference call.
• Adherence to regulatory disclosure requirements (Form 8-K filing).

Risks & Concerns

— Forward-looking statements involve known and unknown risks and uncertainties.
— Actual results may differ materially from forward-looking statements.
— Risks and uncertainties are identified under 'Risk Factors' in the Annual Report on Form 10-K for the year ended September 30, 2024.
— The company undertakes no obligation to update forward-looking statements.