Filing Flows

Filing Flows › Financials › Wafd (WAFD)

Wafd (WAFD) earnings and revenue breakdown

Latest: Q3 FY26 · 10-Q filed Aug 4, 2026 · Wafd (WAFD) Q3 FY26 earnings results →

Q3 FY26 Revenue up 10% year over year to $206M · 32¢ of every $1 of revenue kept as net profit · operating margin 41.0%

Wafd made $206M in Q3 FY26 (+10% Y/Y). Operating margin 41.0%, net earnings $66.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 4, 2026.

Revenue$206M
Year over year+10%
Operating margin41.0%
Net earnings$66.1M
Operating cash flow$70.3M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $205.5M in Q3 FY26, up 10% year over year and up 4% from the previous quarter.

Operating profit was $84.3M, a 41.0% margin (down 1.8 points year over year). Of the extra revenue versus Q3 FY25, 24% reached operating profit, below the 43% margin then. Total costs grew 14% against revenue growth of 10%. The fastest-growing cost line was Other operating costs (+398%). Net earnings were $66.1M, up 7% year over year. The effective tax rate was 21.6%.

Operating cash flow was $70.3M (up 21% year over year), 106% of net earnings. Non-cash charges added back $6.0M of depreciation and amortization and $2.4M of share-based compensation. Working capital and other items used $4.3M. Capital expenditures of $6.9M left free cash flow of $63.4M.

Quarterly history

Wafd revenue by quarterWafd revenue by quarter$189MQ4 FY24$180MQ2 FY25$186MQ3 FY25$188MQ4 FY25$191MQ1 FY26$197MQ2 FY26$206MQ3 FY26
Wafd net earnings by quarterWafd net earnings by quarter$61.1MQ4 FY24$56.3MQ2 FY25$62.0MQ3 FY25$60.6MQ4 FY25$64.2MQ1 FY26$65.5MQ2 FY26$66.1MQ3 FY26
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 FY2610-QAug 4, 2026$206M+10%41.0%$66.1M$70.3M
Q2 FY2610-QMay 5, 2026$197M+10%42.5%$65.5M$79.4M
Q1 FY2610-QFeb 4, 2026$191M+12%43.0%$64.2M$60.5M
Q4 FY2510-KNov 18, 2025$188M-0.2%41.2%$60.6M$57.4M
Q3 FY2510-QAug 5, 2025$186M-4%42.8%$62.0M$58.0M
Q2 FY2510-QMay 2, 2025$180M+4%40.1%$56.3M$72.1M
Q4 FY2410-KNov 20, 2024$189M+6%42.8%$61.1M$96.6M

Charts

Wafd: revenue growth, year over year and quarter over quarterWafd: revenue growth, year over year and quarter over quarterY/YQ/Q+6%Q4 FY24+4%-5%Q2 FY25-4%+4%Q3 FY250%+1%Q4 FY25+12%+2%Q1 FY26+10%+3%Q2 FY26+10%+4%Q3 FY26
Latest (Q3 FY26): Y/Y +10%, Q/Q +4%.
Wafd: where the cash came from (+) and went (−), TTM to Q3 FY26Wafd: where the cash came from (+) and went (−), TTM to Q3 FY26Net borrowing (+) / repaid (−)$15.3BOther financing−$14.4BOther investing−$969MOperating cash flow$268MBuybacks−$174MCash drawn (+) / kept (−)$133MDividends−$81.0MCapital spending−$40.5MAsset & business sales$11.1MAcquisitions−$5.4MShares issued$4.6M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Wafd: profit against cash, quarter by quarterWafd: profit against cash, quarter by quarterNet incomeOperating cash flow$61.1M$96.6MQ4 FY24$47.3M$49.4MQ1 FY25$56.3M$72.1MQ2 FY25$62.0M$58.0MQ3 FY25$60.6M$57.4MQ4 FY25$64.2M$60.5MQ1 FY26$65.5M$79.4MQ2 FY26$66.1M$70.3MQ3 FY26
Latest (Q3 FY26): Net income $66.1M, Operating cash flow $70.3M.
Wafd: diluted shares by fiscal yearWafd: diluted shares by fiscal year77MFY2073MFY2165MFY2265MFY2374MFY2480MFY25
+4.6% since FY20: more shares outstanding (issuance, stock pay).
Wafd in its industry: growth against margin (68 companies, SIC 6021)Wafd in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYPNFPHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBOKFBANCFNBFHNFULTWSFSFFBCWSBCCBUPRKTRMKFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEFCFDCOMNBHCBHRBAMTBWBHCCHCOALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBIPFISCAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHWAFD (+10%, 41%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

Loading the interactive chart…

🌏Named in Asian annual reportsinteractive

Loading the interactive chart…

🔄Rotation against the market and its industry (RRG)interactive

Loading the interactive chart…

🔍Earnings qualityinteractive

Loading the interactive chart…

⚖️Fair value by methodinteractive

Loading the interactive chart…

🔭Outlook & guidanceinteractive

Loading the interactive chart…

📈Investments: gains and what it boughtinteractive

Loading the interactive chart…

🏭Its industry’s money flow (input-output)interactive

Loading the interactive chart…

About Wafd

lending, depository, insurance and other banking services to consumers, small, mid-sized and large businesses, and owners and developers of commercial real estate. Effective September 25, 2025, the Bank formally changed its name from Washington Federal

In its own words, from its 10-K, filed Nov 18, 2025.

Wafd against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +8%. Operating margin: 41.0% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
WAFD WafdQ3 FY26$206M+10%41.0%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: Wafd 10-Q on SEC EDGAR · CIK 936528 · National Commercial Banks

13F: who owns WAFD and who is buying

Largest holders of WAFD (13F)Largest holders of WAFD (13F)BlackRock$413MVanguard Group$281MDimensional Fund Advisors LP$190MVanguard Portfolio Management LLC$182MState Street$167MVanguard Capital Management LLC$128MFuller & Thaler Asset Management$121MAlliancebernstein L.P.$120MAmerican Century Companies$92.7MGeode Capital Management, LLC$76.3M
Funds' net buying of WAFD by quarter (13F)Funds' net buying of WAFD by quarter (13F)$10.2M2024-09$334K2024-12$25.5M2025-03−$28.9M2025-06−$63.6M2025-09$140M2025-12−$129M2026-03$53.8M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on WAFD

History

Every quarter: Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results · Q3 FY25 results · Q2 FY25 results · Q4 FY24 results

Compare WAFD with

中文版：Wafd（WAFD）财报

Español · Français