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WaFd (WAFD) investor relations material
WaFd Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary18 Jul, 2025
Executive summary
Net income for Q3 2025 was $61.95M, down from $64.56M year-over-year but up 10% sequentially; nine-month net income was $165.47M, up from $138.90M.
Diluted EPS was $0.73, a 12% increase from Q2 2025 and a 3% decrease from Q3 2024.
The company completed the merger with Luther Burbank Corporation on March 1, 2024, impacting year-to-date comparability.
Exited the single-family mortgage lending market in January 2025, expecting $17M in annual expense savings but incurring a $5.4M restructuring charge.
Core earnings were strong, driven by improved net interest margin and lower cost of funds.
Financial highlights
Net interest income for the quarter was $168M, up $7.1M sequentially but down $9.20M year-over-year; net interest margin rose to 2.69% from 2.56%.
Total assets decreased to $26.73B at June 30, 2025 from $28.06B at September 30, 2024, mainly due to lower loans receivable and cash.
Non-interest income for the quarter was $18.27M, up $1.02M year-over-year; non-interest expense fell to $104.33M from $110.08M.
Efficiency ratio decreased to 56.01% from 58.31% sequentially.
Tangible book value per share increased to $28.69, up from $27.73 at September 30, 2024.
Outlook and guidance
Management expects continued focus on commercial lending, cost control, and capital returns via share repurchases.
Loan demand remains subdued as borrowers delay projects amid economic uncertainty.
The company is evaluating the impact of recent federal tax law changes but anticipates no significant effect.
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Q4 202517 Oct, 2025
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Frequently asked questions
WaFd Inc., also known as Washington Federal, Inc., is a bank holding company that operates through its primary subsidiary, Washington Federal Bank. The company provides a wide range of financial services, including personal and commercial banking, mortgage lending, and wealth management. WaFd offers traditional banking products such as savings accounts, checking accounts, and loans to individuals and businesses. In addition to its core banking services, the company focuses on delivering personalized financial solutions to meet the needs of its clients across various markets in the western United States. The company is headquartered in Seattle, Washington, and its shares are listed on the NASDAQ.
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