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seekingalpha.comOCT 161 min read$WAFD

WaFd GAAP EPS of $0.76 misses by $0.08, revenue of $220.43M beats by $16.77M

WaFd (WAFD) reported Q3 GAAP EPS of $0.76, missing estimates by $0.08, while revenue of $220.43M exceeded expectations by $16.77M, up 17.1% year-over-year. The company is involved in a $3.9B reverse merger with EverBank Financial Corp.

Original reporting
seekingalpha.com
Published Oct 16, 2026, 4:33 AM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 16, 2026, 4:38 AM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
About AlphAI AI DeskScoring methodologyReport an issue
AlphAI market briefEarnings
Primary signal
$WAFD
Bearish
high confidence
Mentioned
$WAFD
Relevance
7/10
AlphAI data visualization · based on seekingalpha.com
Decision brief

The 30-second read

$WAFDBearishMed
01

Why it matters

The EPS miss may trigger a sell‑off, though the revenue beat could soften the decline.

02

Market read

First‑report earnings data for a regional bank; relevant for traders monitoring banking sector earnings.

03

What to watch

Potential cost‑control measures or upcoming loan portfolio changes not disclosed.

Relevance 7/10Novelty 8/10Timing: pre-market today

Background

WaFd Inc. (NASDAQ:WAFD) released its Q3 2026 earnings, reporting a slight EPS miss but a revenue beat.

Company-level read

Ticker impact

$WAFDBearishHigh confidence
Context

Q3 GAAP EPS of $0.76 missed expectations by $0.08 and revenue of $220.43M beat estimates by $16.77M.

Expected impact

likely pressure as the market prices in the EPS miss

Evidence & confidence

EPS miss is a direct negative catalyst; revenue beat is modest and may not offset the downside.

Market effects

Sector

Regional bank earnings season may see broader scrutiny after this miss.

Regional

West Coast community banks could face heightened volatility.

Global

Limited to U.S. regional banking sector.

Counterpoint

What could challenge this read

Revenue beat could signal underlying growth, suggesting a short‑term bounce.

Key entities

  • company
    WaFd Inc.

    U.S. regional bank reporting Q3 results.

Read at source← All news

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WaFd (WAFD) reported Q4 2026 earnings of $56.3M, or $0.76 per diluted share, down from $0.84 in Q3 2026. Full-year net income was $241.2M, or $3.21 per share. The company sold $543M in loans and plans to sell $429M more. Loan originations outpaced repayments. WaFd expects a merger with EverBank. Capital ratios remain strong, with CET1 at 11.4%.

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WaFd (WAFD) reported Q4 earnings with active loan categories increasing by $237M, while inactive categories declined by $267M. Deposits rose $389M, with core deposits at 81.8%. Net interest income increased $1M, and net interest margin remained at 2.81%. Non-interest income rose to $38.1M, driven by a $16.4M gain on a loan sale. Non-interest expense increased to $121.5M. The company recorded $39.2M in net charge-offs and a $20M provision for credit losses.

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