WaFd, Inc. (FRA:WAO)

WaFd, Inc. Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	1,098	1,120	1,166	900.07	601.59	537.66
Interest Income on Investments	219.28	219.51	205.86	142.89	64.77	53.95
Total Interest Income	1,317	1,339	1,372	1,043	666.36	591.61
Interest Paid on Deposits	578.77	604.71	532.43	237.23	43.04	42.31
Interest Paid on Borrowings	68.14	80.51	178.44	115.49	28.73	44.19
Total Interest Expense	646.91	685.21	710.88	352.72	71.77	86.5
Net Interest Income	669.92	654.24	660.83	690.23	594.59	505.11
Net Interest Income Growth (YoY)	0.89%	-1.00%	-4.26%	16.09%	17.71%	7.58%
Gain (Loss) on Sale of Investments	-	0.02	0.34	0.03	0.1	0.01
Other Non-Interest Income	45.34	41.58	32.84	26.12	40.33	49.65
Total Non-Interest Income	75.8	71.25	60.69	52.2	66.37	74.35
Non-Interest Income Growth (YoY)	21.81%	17.39%	16.27%	-21.35%	-10.73%	-26.22%
Revenues Before Loan Losses	745.72	725.48	721.52	742.44	660.96	579.46
Provision for Loan Losses	11.25	7.75	17.5	41.5	3	0.5
Revenue	734.47	717.73	704.02	700.94	657.96	578.96
Revenue Growth (YoY)	3.63%	1.95%	0.44%	6.53%	13.65%	5.55%
Salaries and Employee Benefits	207.89	213.63	224.97	188.62	187.11	169.73
Federal Deposit Insurance	20.75	20.2	28.87	20.03	9.53	14.37
Selling, General & Administrative	114.13	113.56	104.52	98.94	96.51	88.73
Other Non-Interest Expense	79.1	80.08	59.51	68.45	65.43	59.64
Total Non-Interest Expense	422.77	428.09	417.57	375.86	357.92	332.03
EBT Excluding Unusual Items	311.69	289.64	286.46	325.08	300.04	246.93
Other Unusual Items	-	-	-	-	-	-13.79
Pretax Income	311.69	289.64	256.06	325.08	300.04	233.14
Income Tax Expense	68.7	63.57	56.02	67.65	63.71	49.52
Net Income	243	226.07	200.04	257.43	236.33	183.62
Preferred Dividends & Other Adjustments	14.63	14.63	14.63	14.63	14.63	10.03
Net Income to Common	228.37	211.44	185.42	242.8	221.71	173.58
Net Income Growth	28.67%	13.01%	-22.29%	8.93%	28.71%	5.87%
Basic Shares Outstanding	79	80	74	65	65	73
Diluted Shares Outstanding	79	80	74	65	65	73
Shares Change (YoY)	0.76%	8.03%	13.85%	-0.23%	-9.87%	-5.43%
EPS (Basic)	2.89	2.64	2.50	3.72	3.40	2.39
EPS (Diluted)	2.88	2.63	2.50	3.72	3.39	2.39
EPS Growth	29.74%	5.31%	-32.87%	9.74%	41.84%	5.75%
Dividend Per Share	0.800	1.070	1.040	1.000	0.960	0.920
Dividend Growth	-23.08%	2.89%	4.00%	4.17%	4.35%	4.54%
Effective Tax Rate	22.04%	21.95%	21.88%	20.81%	21.23%	21.24%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.