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tradingview.comOCT 161 min read$WAFD

WaFd Reports FY2026 Net Income $256M, FY EPS $3.21; Q4 Net Income $60M

WaFd reported FY2026 net income of $255.9M, up 22% YoY, with Q4 net income at $60M. Total assets grew to $27.2B, while net loans decreased to $19.04B due to sales. Asset quality improved after resolving a large loan. According to the company, Q4 net interest income was $182.4M, with a net interest margin of 2.81%.

Original reporting
tradingview.com
Published Oct 16, 2026, 8:43 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 16, 2026, 8:57 PM 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.
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WaFd Reports FY2026 Net Income $256M, FY EPS $3.21; Q4 Net Income $60M — source image
Source · tradingview.com
Decision brief

The 30-second read

$WAFDBullishMed
01

Why it matters

The earnings beat could trigger a short‑term rally, but analysts will watch loan‑sale trends and net interest margin stability.

02

Market read

First‑time earnings release with material profit growth; likely short‑term price upside for WAFD.

03

What to watch

Potential credit risk from remaining loan portfolio and future interest‑rate environment.

Relevance 7/10Novelty 7/10Timing: after-hours

Background

WaFd (Washington Federal) disclosed its FY2026 financial results, highlighting a 22% EPS increase and asset‑quality improvements after resolving a large classified loan.

Company-level read

Ticker impact

$WAFDBullishHigh confidence
Context

WaFd reported FY2026 net income of $255.9M and EPS of $3.21, a 22% YoY increase, marking the first public disclosure of its full-year results.

Expected impact

likely upward pressure as the market prices in the earnings beat and higher EPS.

Evidence & confidence

The company posted a material profit increase and EPS beat, which are fresh, material facts that can move the stock.

Market effects

Sector

Banking sector may see modest uplift as a regional lender demonstrates earnings resilience.

Regional

Pacific Northwest banking stocks could benefit from the positive earnings narrative.

Global

Limited to U.S. regional banking niche.

Counterpoint

What could challenge this read

Investors may question the sustainability of earnings growth given the loan-sale activity and reduced net loans.

Key entities

  • company
    Washington Federal

    U.S. regional bank reporting FY2026 earnings.

Read at source← All news

StoryWaFd reports FY2026 earnings surge and announces merger with EverBank

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5 outlets

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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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What WaFd (WAFD) Said on Its Q4 Earnings Call

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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