WaFd, Inc. (WAFD)

WaFd, Inc. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	1,157	1,166	900.07	601.59	537.66	545.71
Interest Income on Investments	230.26	205.86	142.89	64.77	53.95	75.56
Total Interest Income	1,387	1,372	1,043	666.36	591.61	621.27
Interest Paid on Deposits	626.07	532.43	237.23	43.04	42.31	100.31
Interest Paid on Borrowings	103.8	178.44	115.49	28.73	44.19	51.45
Total Interest Expense	729.87	710.88	352.72	71.77	86.5	151.76
Net Interest Income	657.14	660.83	690.23	594.59	505.11	469.51
Net Interest Income Growth (YoY)	0.83%	-4.26%	16.09%	17.71%	7.58%	-2.40%
Gain (Loss) on Sale of Investments	0.11	0.34	0.03	0.1	0.01	15.03
Other Non-Interest Income	39.89	32.84	26.12	40.33	49.65	62.05
Total Non-Interest Income	68.73	60.69	52.2	66.37	74.35	100.77
Non-Interest Income Growth (YoY)	16.21%	16.27%	-21.35%	-10.73%	-26.22%	61.70%
Revenues Before Loan Losses	725.88	721.52	742.44	660.96	579.46	570.28
Provision for Loan Losses	4.75	17.5	41.5	3	0.5	21.75
Revenue	721.13	704.02	700.94	657.96	578.96	548.53
Revenue Growth (YoY)	8.14%	0.44%	6.53%	13.65%	5.55%	0.64%
Salaries and Employee Benefits	211.87	224.97	188.62	187.11	169.73	141.13
Federal Deposit Insurance	22.6	28.87	20.03	9.53	14.37	10.94
Selling, General & Administrative	110.94	104.52	98.94	96.51	88.73	98.94
Other Non-Interest Expense	74.13	81.04	68.45	65.43	59.64	64.55
Total Non-Interest Expense	419.57	439.1	375.86	357.92	332.03	315.53
EBT Excluding Unusual Items	301.56	264.93	325.08	300.04	246.93	233
Other Unusual Items	-	-	-	-	-13.79	-13.81
Pretax Income	292.69	256.06	325.08	300.04	233.14	219.19
Income Tax Expense	66.07	56.02	67.65	63.71	49.52	45.75
Net Income	226.61	200.04	257.43	236.33	183.62	173.44
Preferred Dividends & Other Adjustments	14.62	14.63	14.63	14.63	10.03	-
Net Income to Common	211.99	185.42	242.8	221.71	173.58	173.44
Net Income Growth	19.83%	-22.29%	8.93%	28.71%	5.87%	-17.51%
Basic Shares Outstanding	81	74	65	65	73	77
Diluted Shares Outstanding	81	74	65	65	73	77
Shares Change (YoY)	15.46%	13.85%	-0.23%	-9.87%	-5.43%	-4.68%
EPS (Basic)	2.62	2.50	3.72	3.40	2.39	2.26
EPS (Diluted)	2.62	2.50	3.72	3.39	2.39	2.26
EPS Growth	5.28%	-32.87%	9.74%	41.84%	5.75%	-13.41%
Dividend Per Share	0.260	1.040	1.000	0.960	0.920	0.880
Dividend Growth	-74.76%	4.00%	4.17%	4.35%	4.54%	7.32%
Effective Tax Rate	22.57%	21.88%	20.81%	21.23%	21.24%	20.87%

Updated Jul 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q