For the quarter ending 2025-12-31, WAFD had $77,605K increase in cash & cash equivalents over the period. $50,039K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 64,196 | 60,597 | 165,471 |
| Depreciation, amortization, accretion and other, net | -1,561 | -1,245 | 10,963 |
| Stock-based compensation expense | 2,045 | 2,028 | 6,491 |
| Provision (release) for credit losses | 3,500 | 3,000 | 4,750 |
| Loss (gain) on sale of investment securities | 0 | 0 | 20 |
| Gain on settlements of bank owned life insurance | - | 0 | - |
| Net realized (gain) loss on sales of premises, equipment, and real estate owned | 3,825 | -183 | 602 |
| Impairment loss on premises and equipment | 0 | 954 | 38 |
| Decrease (increase) in accrued interest receivable | -939 | -635 | -3,603 |
| Decrease (increase) in federal and state income tax receivable | -8,877 | -2,557 | -3,567 |
| Decrease (increase) in cash surrender value of bank owned life insurance | 1,962 | 1,938 | 5,588 |
| Decrease (increase) in other assets | -8,127 | 39,474 | -11,589 |
| Increase (decrease) in federal and state income tax liabilities | 5,124 | 0 | - |
| Increase (decrease) in accrued expenses and other liabilities | -24,980 | 30,083 | -20,690 |
| Net cash provided by (used in) operating activities | 60,480 | 57,380 | 179,572 |
| Origination of loans and principal repayments, net | 253,315 | 194,672 | 778,608 |
| Loans purchased | 10,198 | 3,269 | 140,336 |
| Fhlb & frb stock purchase | - | 496,542 | - |
| Proceeds from sales of loans | - | 0 | 0 |
| Fhlb stock purchased | -178,757 | - | 355,873 |
| Fhlb & frb stock redeemed | - | 504,092 | - |
| Fhlb stock redeemed | -208,626 | - | 355,592 |
| Available-for-sale securities purchased | 724,749 | 263,262 | 1,218,796 |
| Principal payments and maturities of available-for-sale securities | 128,421 | 149,230 | 412,578 |
| Proceeds from sales of available-for-sale securities | 0 | 0 | 797 |
| Held-to-maturity securities purchased | 141,283 | 147,660 | 114,182 |
| Principal payments and maturities of held-to-maturity securities | 22,428 | 14,761 | 38,269 |
| Proceeds from sales of real estate owned | 2,963 | 0 | 2,865 |
| Proceeds from settlements of bank owned life insurance | - | 0 | - |
| Equity method investments purchased | 0 | -714 | 3,575 |
| Net cash received (paid) in business combinations | 2,000 | 0 | 360 |
| Proceeds from sales of premises and equipment | 6 | 0 | 1,689 |
| Premises and equipment purchased and reo improvements | 10,441 | 11,776 | 16,931 |
| Net cash provided by (used in) investing activities | -511,688 | -58,759 | -259,655 |
| Net increase (decrease) in customer accounts | -20,666 | 51,065 | 12,601 |
| Proceeds from borrowings | 3,875,750 | 3,126,050 | 7,893,743 |
| Repayments of borrowings | 3,205,751 | 3,301,050 | 9,226,844 |
| Principal payments and maturities of senior debt | - | 0 | - |
| Proceeds from stock-based awards | 488 | 372 | 3,571 |
| Dividends paid on common stock | 20,362 | 20,854 | 63,785 |
| Dividends paid on preferred stock | 3,656 | 3,656 | 10,969 |
| Proceeds from employee stock purchases | 184 | 184 | 658 |
| Treasury stock purchased | 58,017 | 28,839 | 73,092 |
| Increase (decrease) in advances payments by borrowers for taxes and insurance | -39,157 | 26,165 | -27,650 |
| Net cash provided by (used in) financing activities | 528,813 | -150,563 | -1,491,767 |
| Increase (decrease) in cash and cash equivalents | 77,605 | -151,942 | -1,571,850 |
| Cash and cash equivalents at beginning of period | 657,310 | 2,381,102 | - |
| Cash and cash equivalents at end of period | 734,915 | 657,310 | - |
WAFD INC (WAFD)
WAFD INC (WAFD)