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FINANCIAL INFORMATION – WAFD, INC. (Tables) | 12 Months Ended
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Sep. 30, 2025
Condensed Financial Information Disclosure [Abstract] |
Schedule of Condensed Financial Information of Parent Company | The following WaFd, Inc. (parent company only) financial information should be read in conjunction with the other notes to the Consolidated Financial Statements.
Condensed Statements of Financial Condition |  |
| September 30, 2025 | September 30, 2024
| (In thousands)
Assets |  |
Cash | $35,447 | $25,966
Other assets | 13,588 | 18,024
Investment in statutory trust | 1,857 | 1,857
Investment in WaFd Wealth, Inc. | 2,836 | —
Investment in WaFd Bank | 3,042,944 | 3,009,845
Total assets | $3,096,672 | $3,055,692
Liabilities |  |
Dividend payable on preferred stock | $3,656 | $3,656
Junior subordinated deferrable debentures | 51,645 | 50,718
Other liabilities | 1,796 | 1,018
Total liabilities | 57,097 | 55,392
Shareholders’ equity |  |
Total shareholders’ equity | 3,039,575 | 3,000,300
Total liabilities and shareholders’ equity | $3,096,672 | $3,055,692
Condensed Statements of Operations |  |  |
Twelve Months Ended September 30, | 2025 | 2024 | 2023
| (In thousands)
Income |  |  |
Dividends from WaFd Bank | $200,000 | $140,000 | $56,490
Interest income | 116 | 78 | —
Total Income | 200,116 | 140,078 | 56,490
Expense |  |  |
Miscellaneous expense | 7,256 | 11,341 | 2,214
Total expense | 7,256 | 11,341 | 2,214
Net income (loss) before equity in undistributed net income (loss) of subsidiary | 192,860 | 128,737 | 54,276
Equity in undistributed net income (loss) of subsidiaries | 31,496 | 68,628 | 202,643
Income before income taxes | 224,356 | 197,365 | 256,919
Income tax benefit (expense) | 1,712 | 2,676 | 507
Net income | 226,068 | 200,041 | 257,426
Dividends on preferred stock | 14,625 | 14,625 | 14,625
Net income available to common shareholders | $211,443 | $185,416 | $242,801
Condensed Statements of Cash Flows |  |  |
Twelve Months Ended September 30, | 2025 | 2024 | 2023
| (In thousands)
Cash Flows From Operating Activities |  |  |
Net income | $226,068 | $200,041 | $257,426
Adjustments to reconcile net income to net cash provided by operating activities: |  |  |
Undistributed earnings from investments in subsidiaries | (31,496) | (68,628) | (202,643)
Stock based compensation expense | 8,521 | 9,181 | 7,914
Net changes in other assets and liabilities | 2,801 | 2,531 | 1,365
Net cash provided by operating activities | 205,894 | 143,125 | 64,062
Cash Flows From Investing Activities |  |  |
Net cash received in business combinations | — | 16,173 | —
Equity method investments purchased | — | (3,000) | (12,500)
Net cash provided by (used in) investing activities | — | 13,173 | (12,500)
Cash Flows From Financing Activities |  |  |
Proceeds from exercise of common stock options and related tax benefit | 3,942 | 5,187 | 1,089
Proceeds from the purchase of common stock through the Employee Stock Purchase Program | 842 | 992 | 177
Repayment of long term senior debt | — | (95,000) | —
Treasury stock purchased | (101,931) | (27,069) | (30,463)
Dividends on preferred stock | (14,625) | (14,625) | (14,625)
Dividends on common stock | (84,639) | (74,267) | (63,792)
Net cash provided by (used in) financing activities | (196,411) | (204,782) | (107,614)
Increase (decrease) in cash | 9,483 | (48,484) | (56,052)
Cash at beginning of year | 25,966 | 74,450 | 130,502
Cash at end of year | $35,449 | $25,966 | $74,450

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