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Pay vs Performance Disclosure
 12 Months Ended
Sep. 30, 2025
USD ($)
$ / shares
Sep. 30, 2024
USD ($)
$ / shares
Sep. 30, 2023
USD ($)
$ / shares
Sep. 30, 2022
USD ($)
$ / shares
Sep. 30, 2021
USD ($)
$ / shares
Pay vs Performance Disclosure          
Pay vs Performance Disclosure, Table
Summary
Compensation
Table Total for
CEO(1)
Compensation
Actually Paid to
CEO(1)
Average
Summary
Compensation
Table for non-
CEO NEOs(2)
Average
Compensation
Actually Paid to
non-CEO NEOs(2)
Value of Initial Fixed
$100 Investment
Based on:
Net Income
($ in
thousands)
GAAP
Earnings
Per Share
Year
TSR
Peer Group
TSR(3)
2025
$3,822,631
$3,903,416
$1,321,019
$1,206,250
90
111
$226,068
$2.63
2024
$4,030,461
$4,020,342
$1,358,168
$1,407,225
141
133
$200,041
$2.50
2023
$2,225,890
$2,001,205
$6,308,674
$5,394,252
$2,279,134
$2,059,006
88
82
$257,426
$3.72
2022
$3,596,934
$4,324,462
$1,133,594
$1,330,164
90
93
$236,330
$3.40
2021
$3,254,715
$4,079,586
$1,138,791
$1,480,437
170
197
$183,615
$2.39
        
Company Selected Measure Name GAAPEarningsPer Share        
Named Executive Officers, Footnote Reflects compensation for our Chief Executive Officer, Brent Beardall, who served as our Principal Executive Officer (PEO) in all
years disclosed and for our Chief Experience Officer, Cathy Cooper, who served as our temporary PEO from January 3, 2023 to
February 12, 2023, while Mr. Beardall was on medical leave. For 2023, Ms. Cooper's compensation is shown on the top line and
Mr. Beardall's on the lower line.
        
Peer Group Issuers, Footnote Peer Group used for TSR comparisons reflects the KBW Regional Banking Index.        
PEO Actually Paid Compensation Amount $ 3,903,416 $ 4,020,342   $ 4,324,462 $ 4,079,586
Adjustment To PEO Compensation, Footnote To calculate Compensation Actually Paid for our NEOs, the following adjustments were made to the Summary
Compensation Table total pay deducting the amounts included under the "Stock Awards" column for each year and adding
amounts based on the SEC's definition of "compensation actually paid" as shown in the following table.
CEO
CConsB(1)
2021
2022
2023
2024
2025
2023
Summary Compensation Table Total
$3,254,715
$3,596,934
$6,308,674
$4,030,461
$3,822,631
$2,225,890
Deduct grant date fair value of stock
awards granted in fiscal year
(1,197,318)
(1,315,205)
(1,566,874)
(1,394,385)
(1,567,414)
(419,291)
Add fair value at fiscal year-end of
outstanding and unvested option
awards and stock awards granted in
fiscal year
1,854,627
1,100,470
1,054,184
1,758,115
1,268,420
282,096
Add change in fair value of outstanding
and unvested stock awards and
options and stock awards granted in
prior fiscal years
407,311
(197,932)
(76,869)
220,379
(36,737)
(29,528)
Add fair value at vesting of options
awards that vested during fiscal year
—
—
—
—
—
—
Add change in fair value as of vesting
date of option awards and stock
awards granted in prior fiscal years for
which vesting conditions were satisfied
during the year
7,266
1,140,195
196,527
(23,213)
416,515
72,704
Deduct fair value of stock awards
granted in prior years that failed to
meet vesting conditions during
fiscal year
(247,015)
—
(521,390)
(571,015)
—
(130,666)
Add value of dividend or other earnings
paid on stock or option awards not
otherwise reflected in fair value or total
compensation
—
—
—
—
—
—
Compensation actually paid
$4,079,586
$4,324,462
$5,394,252
$4,020,342
$3,903,416
$2,001,205
(1)This column represents the adjustments made to arrive at Compensation Actually Paid to Cathy Cooper, Chief Experience Officer,
while she was the Chief Consumer Banker. Ms. Cooper is included in Pay versus Performance table above due to acting as
temporary CEO during fiscal 2023.
Other NEOs
2021
2022
2023
2024
2025
Summary Compensation Table Total
$1,138,791
$1,133,594
$2,279,134
$1,358,168
$1,321,019
Deduct grant date fair value of stock
awards granted in fiscal year
(289,265)
(308,869)
(398,325)
(381,044)
(419,406)
Add fair value at fiscal year-end of
outstanding and unvested option
awards and stock awards granted in
fiscal year
570,861
324,587
267,991
480,441
339,402
Add change in fair value of
outstanding and unvested stock
awards and options and stock
awards granted in prior fiscal years
118,046
(102,521)
(25,672)
64,661
(19,867)
Add fair value at vesting of options
awards that vested during fiscal year
—
—
—
—
—
Add change in fair value as of
vesting date of option awards and
stock awards granted in prior fiscal
years for which vesting conditions
were satisfied during the year
2,504
283,373
65,188
(6,547)
(14,898)
Deduct fair value of stock awards
granted in prior years that failed to
meet vesting conditions during
fiscal year
(60,500)
—
(129,310)
(108,454)
—
Add value of dividend or other
earnings paid on stock or option
awards not otherwise reflected in fair
value or total compensation
—
—
—
—
—
Compensation actually paid
$1,480,437
$1,330,164
$2,059,006
$1,407,225
$1,206,250
        
Non-PEO NEO Average Total Compensation Amount $ 1,321,019 1,358,168 $ 2,279,134 1,133,594 1,138,791
Non-PEO NEO Average Compensation Actually Paid Amount $ 1,206,250 1,407,225 2,059,006 1,330,164 1,480,437
Adjustment to Non-PEO NEO Compensation Footnote To calculate Compensation Actually Paid for our NEOs, the following adjustments were made to the Summary
Compensation Table total pay deducting the amounts included under the "Stock Awards" column for each year and adding
amounts based on the SEC's definition of "compensation actually paid" as shown in the following table.
CEO
CConsB(1)
2021
2022
2023
2024
2025
2023
Summary Compensation Table Total
$3,254,715
$3,596,934
$6,308,674
$4,030,461
$3,822,631
$2,225,890
Deduct grant date fair value of stock
awards granted in fiscal year
(1,197,318)
(1,315,205)
(1,566,874)
(1,394,385)
(1,567,414)
(419,291)
Add fair value at fiscal year-end of
outstanding and unvested option
awards and stock awards granted in
fiscal year
1,854,627
1,100,470
1,054,184
1,758,115
1,268,420
282,096
Add change in fair value of outstanding
and unvested stock awards and
options and stock awards granted in
prior fiscal years
407,311
(197,932)
(76,869)
220,379
(36,737)
(29,528)
Add fair value at vesting of options
awards that vested during fiscal year
—
—
—
—
—
—
Add change in fair value as of vesting
date of option awards and stock
awards granted in prior fiscal years for
which vesting conditions were satisfied
during the year
7,266
1,140,195
196,527
(23,213)
416,515
72,704
Deduct fair value of stock awards
granted in prior years that failed to
meet vesting conditions during
fiscal year
(247,015)
—
(521,390)
(571,015)
—
(130,666)
Add value of dividend or other earnings
paid on stock or option awards not
otherwise reflected in fair value or total
compensation
—
—
—
—
—
—
Compensation actually paid
$4,079,586
$4,324,462
$5,394,252
$4,020,342
$3,903,416
$2,001,205
(1)This column represents the adjustments made to arrive at Compensation Actually Paid to Cathy Cooper, Chief Experience Officer,
while she was the Chief Consumer Banker. Ms. Cooper is included in Pay versus Performance table above due to acting as
temporary CEO during fiscal 2023.
Other NEOs
2021
2022
2023
2024
2025
Summary Compensation Table Total
$1,138,791
$1,133,594
$2,279,134
$1,358,168
$1,321,019
Deduct grant date fair value of stock
awards granted in fiscal year
(289,265)
(308,869)
(398,325)
(381,044)
(419,406)
Add fair value at fiscal year-end of
outstanding and unvested option
awards and stock awards granted in
fiscal year
570,861
324,587
267,991
480,441
339,402
Add change in fair value of
outstanding and unvested stock
awards and options and stock
awards granted in prior fiscal years
118,046
(102,521)
(25,672)
64,661
(19,867)
Add fair value at vesting of options
awards that vested during fiscal year
—
—
—
—
—
Add change in fair value as of
vesting date of option awards and
stock awards granted in prior fiscal
years for which vesting conditions
were satisfied during the year
2,504
283,373
65,188
(6,547)
(14,898)
Deduct fair value of stock awards
granted in prior years that failed to
meet vesting conditions during
fiscal year
(60,500)
—
(129,310)
(108,454)
—
Add value of dividend or other
earnings paid on stock or option
awards not otherwise reflected in fair
value or total compensation
—
—
—
—
—
Compensation actually paid
$1,480,437
$1,330,164
$2,059,006
$1,407,225
$1,206,250
        
Compensation Actually Paid vs. Total Shareholder Return CEO and average NEO CAP vs Company TSR and KBW Index TSR
PAY VERSUS TSR
5497558146424
¢
CAP - CEO
¢
CAP - AVG NEO
¢
CAP - CConsB
04 WAFD_Legends-Pay vs Perf_WaFd TSR.jpg
WAFD TSR
04 WAFD_Legends-Pay vs Perf_KBW Index.jpg
KBW Index TSR
        
Compensation Actually Paid vs. Net Income CEO and average NEO CAP vs GAAP Net Income
PAY VERSUS NET INCOME
7146825604850
¢
CAP - CEO
¢
CAP - AVG NEO
¢
CAP - CConsB
04 WAFD_Legends-Pay vs Perf_WaFd TSR.jpg
Net Income
        
Compensation Actually Paid vs. Company Selected Measure CEO and average NEO CAP vs GAAP Earnings Per Share
PAY VERSUS GAAP EARNINGS PER SHARE
7146825604859
¢
CAP - CEO
¢
CAP - AVG NEO
¢
CAP - CConsB
04 WAFD_Legends-Pay vs Perf_WaFd TSR.jpg
GAAP EPS
        
Tabular List, Table
1
Generally Accepted Accounting Principles Earnings Per Share ("GAAP EPS")
2
Total Shareholder Return ("TSR")
        
Total Shareholder Return Amount $ 90 141 88 90 170
Peer Group Total Shareholder Return Amount 111 133 82 93 197
Net Income (Loss) $ 226,068,000 $ 200,041,000 $ 257,426,000 $ 236,330,000 $ 183,615,000
Company Selected Measure Amount | $ / shares 2.63 2.50 3.72 3.40 2.39
PEO Name Brent Beardall        
Additional 402(v) Disclosure Reflects compensation for the following non-CEO NEOs by year: Vincent Beatty (former CFO retired as of December 31, 2022),
Cathy Cooper, James Endrizzi (Chief Commercial Banker through December 31, 2024) and Kim Robison for both 2021 and 2022;
Kelli Holz, Vincent Beatty, James Endrizzi, Ryan Mauer and Kim Robison for 2023; Kelli Holz, James Endrizzi, Ryan Mauer and Kim
Robison for 2024; and Kelli Holz, Cathy Cooper, Ryan Mauer and Kim Robison for 2025.
The stock awards included above comprise performance share awards and restricted stock awards granted from 2018
through 2023. The amounts are based on the estimated fair value of the restricted stock and restricted performance
awards as of the applicable year end or vesting date as required by SEC rules. The fair value for performance share
awards is based on a probable outcome target of vesting, which represents the mid-point of the total shareholder return
range and an estimated likelihood of achieving that level, and is calculated in accordance with U.S. GAAP. Measurement
date equity fair values are calculated with assumptions derived on a basis consistent with the fair value methodology used
to account for share-based payments in the Company’s consolidated financial statements included in Note Q – Stock
Award Plans of our Annual Report on Form 10-K for the year ended September 30, 2025.
        
Measure:: 1          
Pay vs Performance Disclosure          
Name Generally Accepted Accounting Principles Earnings Per Share ("GAAP EPS")        
Measure:: 2          
Pay vs Performance Disclosure          
Name Total Shareholder Return ("TSR")        
Brent Beardall [Member]          
Pay vs Performance Disclosure          
PEO Total Compensation Amount $ 3,822,631 $ 4,030,461 $ 6,308,674 $ 3,596,934 $ 3,254,715
PEO Actually Paid Compensation Amount 3,903,416 4,020,342 5,394,252 4,324,462 4,079,586
Cathy Cooper [Member]          
Pay vs Performance Disclosure          
PEO Total Compensation Amount     2,225,890    
PEO Actually Paid Compensation Amount     2,001,205    
PEO | Brent Beardall [Member] | Stock Awards, Grant Date Fair Value [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (1,567,414) (1,394,385) (1,566,874) (1,315,205) (1,197,318)
PEO | Brent Beardall [Member] | Stock Awards Granted During the Year, Unvested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 1,268,420 1,758,115 1,054,184 1,100,470 1,854,627
PEO | Brent Beardall [Member] | Stock Awards Granted in Prior Years, Unvested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (36,737) 220,379 (76,869) (197,932) 407,311
PEO | Brent Beardall [Member] | Stock Awards Granted During the Year, Vested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 0 0 0 0 0
PEO | Brent Beardall [Member] | Stock Awards Granted in Prior Year, Vested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 416,515 (23,213) 196,527 1,140,195 7,266
PEO | Brent Beardall [Member] | Stock Awards that Failed to Meet Vesting Conditions [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 0 (571,015) (521,390) 0 (247,015)
PEO | Brent Beardall [Member] | Stock Awards, Value of Dividends and Other Earnings Paid Adjustment [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 0 0 0 0 0
PEO | Cathy Cooper [Member] | Stock Awards, Grant Date Fair Value [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     (419,291)    
PEO | Cathy Cooper [Member] | Stock Awards Granted During the Year, Unvested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     282,096    
PEO | Cathy Cooper [Member] | Stock Awards Granted in Prior Years, Unvested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     (29,528)    
PEO | Cathy Cooper [Member] | Stock Awards Granted During the Year, Vested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     0    
PEO | Cathy Cooper [Member] | Stock Awards Granted in Prior Year, Vested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     72,704    
PEO | Cathy Cooper [Member] | Stock Awards that Failed to Meet Vesting Conditions [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     (130,666)    
PEO | Cathy Cooper [Member] | Stock Awards, Value of Dividends and Other Earnings Paid Adjustment [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount     0    
Non-PEO NEO | Stock Awards, Grant Date Fair Value [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (419,406) (381,044) (398,325) (308,869) (289,265)
Non-PEO NEO | Stock Awards Granted During the Year, Unvested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 339,402 480,441 267,991 324,587 570,861
Non-PEO NEO | Stock Awards Granted in Prior Years, Unvested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (19,867) 64,661 (25,672) (102,521) 118,046
Non-PEO NEO | Stock Awards Granted During the Year, Vested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 0 0 0 0 0
Non-PEO NEO | Stock Awards Granted in Prior Year, Vested [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount (14,898) (6,547) 65,188 283,373 2,504
Non-PEO NEO | Stock Awards that Failed to Meet Vesting Conditions [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount 0 (108,454) (129,310) 0 (60,500)
Non-PEO NEO | Stock Awards, Value of Dividends and Other Earnings Paid Adjustment [Member]          
Pay vs Performance Disclosure          
Adjustment to Compensation, Amount $ 0 $ 0 $ 0 $ 0 $ 0