Compared to Estimates, WaFd (WAFD) Q4 Earnings: A Look at Key Metrics

Core Insights - WaFd reported $188.3 million in revenue for the quarter ended September 2025, reflecting a year-over-year decline of 0.2% and an EPS of $0.72 compared to $0.70 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $190.22 million, resulting in a surprise of -1.01%, while the EPS also missed the consensus estimate of $0.75 by 4% [1] Financial Performance Metrics - Efficiency Ratio stood at 56.8%, higher than the two-analyst average estimate of 55.5% [4] - Net Interest Margin was reported at 2.7%, matching the two-analyst average estimate [4] - Net charge-offs average loans were at 0%, better than the two-analyst average estimate of 0.1% [4] - Total Non-performing Assets reached $143.02 million, significantly above the two-analyst average estimate of $98.38 million [4] - Average balance of Total interest-earning assets was $24.84 billion, slightly below the two-analyst average estimate of $25.07 billion [4] - Total Non-accrual loans amounted to $128.63 million, exceeding the two-analyst average estimate of $83.91 million [4] - Total noninterest income was reported at $18.39 million, slightly above the two-analyst average estimate of $18.19 million [4] - Net Interest Income was $169.91 million, lower than the two-analyst average estimate of $172.05 million [4] Stock Performance - WaFd shares have returned -7.1% over the past month, contrasting with the Zacks S&P 500 composite's +0.9% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]