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WAFD INC (WAFD)

WAFD INC (WAFD)

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Cash Flow Overview

Change in Cash
$6,668K
Free Cash flow
$63,362K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from borrowings
    • Fhlb stock redeemed
    • Principal payments and maturitie...
    • Others
Negative Cash Flow Breakdown
    • Repayments of borrowings
    • Net increase (decrease) in custo...
    • Fhlb stock purchased
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
66,130
65,548
64,196
60,597
Depreciation, amortization, accretion and other, net
6,044
8,583
-1,561
-1,245
Stock-based compensation expense
2,376
3,442
2,045
2,028
Provision (release) for credit losses
11,000
4,000
3,500
3,000
Loss (gain) on sale of investment securities
112
0
0
0
Gain on settlements of bank owned life insurance
-
-
-
0
Net realized (gain) loss on sales of premises, equipment, and real estate owned
3,664
40
3,825
-183
Impairment loss on premises and equipment
0
0
0
954
Decrease (increase) in accrued interest receivable
264
1,206
-939
-635
Decrease (increase) in federal and state income tax receivable
2,391
1,580
-8,877
-2,557
Decrease (increase) in cash surrender value of bank owned life insurance
2,034
1,976
1,962
1,938
Decrease (increase) in other assets
-12,177
-36,743
-8,127
39,474
Increase (decrease) in federal and state income tax liabilities
-312
-4,654
5,124
0
Increase (decrease) in accrued expenses and other liabilities
-18,675
-29,482
-24,980
30,083
Net cash provided by (used in) operating activities
70,275
79,378
60,480
57,380
Origination of loans and principal repayments, net
-65,491
-148,160
253,315
194,672
Loans purchased
0
0
10,198
3,269
Fhlb & frb stock purchase
-
-
-
496,542
Fhlb stock purchased
187,916
185,665
-178,757
-
Fhlb & frb stock redeemed
-
-
-
504,092
Fhlb stock redeemed
178,875
157,532
-208,626
-
Available-for-sale securities purchased
93,996
342,975
724,749
263,262
Principal payments and maturities of available-for-sale securities
160,532
119,094
128,421
149,230
Proceeds from sales of available-for-sale securities
77,171
0
0
0
Held-to-maturity securities purchased
137,304
-220
141,283
147,660
Principal payments and maturities of held-to-maturity securities
24,952
18,981
22,428
14,761
Proceeds from sales of real estate owned
1,660
982
2,963
0
Proceeds from settlements of bank owned life insurance
-
-
-
0
Equity method investments purchased
1,000
0
0
-714
Net cash received (paid) in business combinations
0
3,400
2,000
0
Proceeds from sales of loans
-
-
-
0
Proceeds from sales of premises and equipment
7,385
3,750
6
0
Premises and equipment purchased and reo improvements
6,913
11,410
10,441
11,776
Net cash provided by (used in) investing activities
-42,045
-391,051
-511,688
-58,759
Net increase (decrease) in customer accounts
-192,076
-292,819
-20,666
51,065
Proceeds from borrowings
4,176,000
4,125,000
3,875,750
3,126,050
Repayments of borrowings
3,976,000
3,499,999
3,205,751
3,301,050
Principal payments and maturities of senior debt
-
-
-
0
Proceeds from stock-based awards
3,251
475
488
372
Dividends paid on common stock
19,662
20,157
20,362
20,854
Dividends paid on preferred stock
3,655
3,657
3,656
3,656
Proceeds from employee stock purchases
161
253
184
184
Treasury stock purchased
319
87,207
58,017
28,839
Increase (decrease) in advances payments by borrowers for taxes and insurance
-9,262
24,668
-39,157
26,165
Net cash provided by (used in) financing activities
-21,562
246,557
528,813
-150,563
Increase (decrease) in cash and cash equivalents
6,668
-65,116
77,605
-151,942
Cash, cash equivalents and restricted cash at beginning of period
734,915
734,915
657,310
2,381,102
Cash, cash equivalents and restricted cash at end of period
676,467
669,799
734,915
657,310
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$66,130K (-60.04%↓ Y/Y)Decrease (increase) inother assets-$12,177K (-5.07%↓ Y/Y)Provision (release) forcredit losses$11,000K (131.58%↑ Y/Y)Depreciation, amortization,accretion and other, net$6,044K (-44.87%↓ Y/Y)Stock-based compensationexpense$2,376K (-63.40%↓ Y/Y)Net cash provided by(used in) operating...$70,275K (-60.87%↓ Y/Y)Canceled cashflow$27,452K Increase (decrease) incash and cash...$6,668K (100.42%↑ Y/Y)Canceled cashflow$63,607K Increase (decrease) inaccrued expenses and...-$18,675K (9.74%↑ Y/Y)Net realized (gain)loss on sales of...$3,664K (508.64%↑ Y/Y)Decrease (increase) infederal and state income...$2,391K (167.03%↑ Y/Y)Decrease (increase) incash surrender value...$2,034K (-63.60%↓ Y/Y)Increase (decrease) infederal and state income...-$312K Decrease (increase) inaccrued interest...$264K (107.33%↑ Y/Y)Loss (gain) on sale ofinvestment securities$112K (460.00%↑ Y/Y)Fhlb stock redeemed$178,875K (-49.70%↓ Y/Y)Principal payments andmaturities of...$160,532K (-61.09%↓ Y/Y)Proceeds from sales ofavailable-for-sale securities$77,171K (9582.69%↑ Y/Y)Principal payments andmaturities of...$24,952K (-34.80%↓ Y/Y)Proceeds from sales ofpremises and equipment$7,385K (337.24%↑ Y/Y)Proceeds from sales ofreal estate owned$1,660K (-42.06%↓ Y/Y)Proceeds from borrowings$4,176,000K (-47.10%↓ Y/Y)Proceeds fromstock-based awards$3,251K (-8.96%↓ Y/Y)Proceeds from employeestock purchases$161K (-75.53%↓ Y/Y)Net cash provided by(used in) investing...-$42,045K (83.81%↑ Y/Y)Net cash provided by(used in) financing...-$21,562K (98.55%↑ Y/Y)Canceled cashflow$450,575K Canceled cashflow$4,179,412K Fhlb stock purchased$187,916K (-47.20%↓ Y/Y)Repayments of borrowings$3,976,000K (-56.91%↓ Y/Y)Held-to-maturity securitiespurchased$137,304K (20.25%↑ Y/Y)Available-for-sale securitiespurchased$93,996K (-92.29%↓ Y/Y)Origination of loans andprincipal repayments, net-$65,491K (-108.41%↓ Y/Y)Premises and equipmentpurchased and reo...$6,913K (-59.17%↓ Y/Y)Equity methodinvestments purchased$1,000K (-72.03%↓ Y/Y)Net increase(decrease) in customer...-$192,076K (-1624.29%↓ Y/Y)Dividends paid on commonstock$19,662K (-69.17%↓ Y/Y)Increase (decrease) inadvances payments by...-$9,262K (66.50%↑ Y/Y)Dividends paid onpreferred stock$3,655K (-66.68%↓ Y/Y)Treasury stock purchased$319K (-99.56%↓ Y/Y)