WaFd Posts $60 Million Fourth-Quarter Net Income as EPS Reaches $0.76
WaFd Inc. (WAFD) reported Q4 2026 net income of $60M, down 9% from Q3, with EPS at $0.76. Full-year net income rose 13% to $256M, and EPS increased 22% to $3.21. The company announced a merger with EverBank in September. Assets totaled $27.2B, deposits $21.3B, and non-performing assets declined to $86M.
How this was made
The 30-second read
Why it matters
Traders can use the reported EPS, NII/NIM, deposit and asset figures, and non-performing assets/charge-offs to reassess near-term earnings power and credit risk for WAFD.
Market read
This is a company-specific earnings datapoint with bank KPIs that can influence valuation and positioning in regional bank trades.
What to watch
No detail is provided on loan growth, deposit mix/cost of funds, guidance, or management commentary, which are often the key drivers of follow-through after bank earnings.
Background
WaFd is a US regional bank; the article summarizes its fiscal Q4 2026 results and related balance-sheet and credit metrics, and notes an EverBank merger announcement on Sept. 7, 2026.
Ticker impact
WaFd reported fiscal Q4 2026 net income of $59.991M and EPS of $0.76, plus NII, NIM, asset quality, and deposit levels as of Sept. 30, 2026.
Likely modest market reaction as traders weigh EPS and asset-quality improvement against the quarter-over-quarter net income decline and credit charge-offs.
The article contains the company’s own quarterly results and key bank KPIs (NII, NIM, NPA, charge-offs, deposits, assets). However, it does not include guidance, consensus comparisons, or a stated deal price, limiting conviction on direction and magnitude.
Market effects
Adds incremental datapoints on regional bank profitability drivers (net interest income, NIM stability) and credit performance (NPA and charge-offs).
Limited spillover expected beyond regional bank peers unless the results materially diverge from expectations, which the article does not quantify.
Low, as this is a single US regional bank earnings update with no cross-market policy or macro shock described.
Counterpoint
The quarter’s net income is down 9% QoQ, and net charge-offs remain sizable, so the asset-quality improvement may not offset profitability pressure.
Key entities
- companyWaFd Inc.
Reported fiscal Q4 2026 net income of $59.991M and EPS of $0.76, with NII $182.4M, NIM 2.81%, and non-performing assets $86M (0.32% of assets) as of Sept. 30, 2026.
- companyEverBank
The article states an EverBank merger was announced on Sept. 7, 2026 (no deal terms provided).
