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Sep 30, 2025
WaFd Q4 2025 Earnings Report
WaFd reported steady earnings with improved margins and a significant increase in loan originations in Q4 2025.
Key Takeaways
WaFd posted $61M in net income for Q4 2025 with EPS at $0.72. Net interest margin edged higher, aided by lower deposit costs. Loan originations more than doubled QoQ, and non-interest expense rose slightly due to strategic investments.
Revenue by Segment
Forward Guidance
WaFd expects continued improvement in margin and growth in commercial lending as business-focused transformation progresses.
Positive Outlook
- Net interest margin improved to 2.71%
- Loan originations increased 103% QoQ
- Deposit mix improved with more checking accounts
- Loan pipeline growing for three consecutive quarters
- Strategic shift to business lending gaining traction
Challenges Ahead
- Non-performing assets increased to 0.54% of total
- Delinquencies rose to 0.60% of loans
- Non-interest expenses increased due to investments
- Efficiency ratio worsened slightly to 56.82%
- Provision for credit losses increased to $3M
Historical Earnings Impact
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Avg. Return Before/After Earnings
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