WaFd reports Q3 FY2026 EPS of $0.84, up 15% YoY, with 11.0% ROTCE and improved efficiency

Filed July 17, 2026 · Period ending July 16, 2026 · ~2 min read

Key Changes

• high

  Q3 FY2026 net income of $66.1M translates to $0.84 per diluted share, up 15% from $0.73 in Q3 FY2025 and 2% from $0.82 in Q2 FY2026. Return on tangible common equity reached 11.0% with efficiency ratio improving to 53.7%.

  Exhibit 99.1 view on EDGAR →
• high

  Net interest income rose to $181M from $178M in Q2 while net interest margin held steady at 2.81%. Asset yields increased and deposit costs declined, with interest-bearing customer account costs falling from 2.89% to 2.71%.

  Exhibit 99.1 view on EDGAR →
• medium

  Active loan portfolios (commercial and consumer) grew at 10.4% annualized rate. Commercial & Industrial loans increased from $2.53B to $3.11B and Construction loans rose from $1.74B to $2.14B during the nine months ended June 30, 2026.

  Exhibit 99.2 view on EDGAR →