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SHAREHOLDERS' EQUITY
 12 Months Ended
Sep. 30, 2025
Equity [Abstract]  
SHAREHOLDERS' EQUITY SHAREHOLDERS' EQUITY
The Company and the Bank are subject to various regulatory capital requirements. Quantitative measures established by
regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the
following table) of Common Equity Tier 1, Tier 1 and Total capital to risk weighted assets (as defined in the regulations) and Tier
1 capital to average assets (as defined in the regulations). Failure to meet minimum capital requirements can initiate certain
mandatory and possibly additional discretionary action by regulators that, if undertaken, could have a direct material effect on the
Company's financial statements. The Company and the Bank are also subject to certain restrictions on the amount of dividends
that they may declare without prior regulatory approval.
On February 8, 2021, in connection with an underwritten public offering, the Company issued 300,000 shares of 4.875%
Noncumulative Perpetual Series A Preferred Stock. Net proceeds, after underwriting discounts and expenses, were $293,325,000.
The public offering consisted of the issuance and sale of 12,000,000 depositary shares, each representing a 1/40th interest in a
share of the Series A Preferred Stock, at a public offering price of $25.00 per depositary share. Holders of the depositary shares
are entitled to all proportional rights and preferences of the Series A Preferred Stock (including, dividend, voting, redemption and
liquidation rights). The depositary shares are traded on the NASDAQ Global Select Market under the symbol "WAFDP." The
Series A Preferred Stock is redeemable at the option of the Company, subject to all applicable regulatory approvals, on or after
April 15, 2026.
As of September 30, 2025, and 2024, the Company and the Bank met all capital adequacy requirements to which they are subject,
and the Bank's regulators categorized it as well capitalized under the regulatory framework for prompt corrective action. To be
categorized as well capitalized, the Bank must maintain minimum Common Equity Tier 1, Tier 1 risk-based, Total risk-based and
Tier 1 leverage ratios as set forth in the following table. The Bank's actual capital amounts and ratios as of these dates are also
presented. There are no conditions or events since that management believes have changed the Bank's categorization.
 
Actual
Capital
Adequacy
Guidelines
Categorized as
Well Capitalized
Under Prompt
Corrective Action
Provisions
  
Capital
Ratio
Ratio
Ratio
September 30, 2025
($ in thousands)
Common Equity Tier 1 risk-based capital ratio:
The Company
$2,202,901
11.77%
4.50%
NA
The Bank
2,506,271
13.40
4.50
6.50%
Tier 1 risk-based capital ratio:
The Company
2,502,901
13.37
6.00
NA
The Bank
2,506,271
13.40
6.00
8.00
Total risk-based capital ratio:
The Company
2,770,166
14.80
8.00
NA
The Bank
2,721,890
14.55
8.00
10.00
Tier 1 leverage ratio:
The Company
2,502,901
9.59
4.00
NA
The Bank
2,506,271
9.61
4.00
5.00
September 30, 2024
Common Equity Tier 1 risk-based capital ratio:
The Company
$2,153,721
11.31%
4.50%
NA
The Bank
2,463,266
12.94
4.50
6.50%
Tier 1 risk-based capital ratio:
The Company
2,453,721
12.88
6.00
NA
The Bank
2,463,266
12.94
6.00
8.00
Total risk-based capital ratio:
The Company
2,722,290
14.29
8.00
NA
The Bank
2,681,116
14.08
8.00
10.00
Tier 1 leverage ratio:
The Company
2,453,721
8.90
4.00
NA
The Bank
2,463,266
8.94
4.00
5.00
At periodic intervals, the Federal Reserve, the WDFI and the FDIC examine the Company's and the Bank's financial statements as
part of their oversight. Based on their examinations, these regulators can direct that the Company's or Bank's financial statements
be adjusted in accordance with their findings. 
The Company and the Bank are subject to regulatory restrictions on paying dividends.
The Company has an ongoing common share repurchase program and 3,338,351 shares were repurchased during 2025 at a
weighted average price of $29.56. In 2024, 1,058,178 shares were repurchased at a weighted average price of $25.29. As of
September 30, 2025, management had authorization from the Board of Directors to repurchase up to 8,162,654 additional shares.
The following table sets forth information regarding earnings per common share calculations.
Year ended September 30,
2025
2024
2023
Weighted average shares outstanding
80,184,395
74,244,323
65,192,510
Weighted average dilutive options
70,794
46,245
62,773
Weighted average diluted shares
80,255,189
74,290,568
65,255,283
Net income available to common shareholders (in thousands)
$211,443
$185,416
$242,801
Basic EPS
$2.64
$2.50
$3.72
Diluted EPS
2.63
2.50
3.72