WAFD INC — Director's Dealing 2025

Nov 12, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: WAFD INC (WAFD)
CIK: 0000936528
Period of Report: 2025-11-11

Reporting Person: HOLZ KELLI (EVP & CFO)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-11-11	Common Stock	A	21609	$30.56	Acquired	114027	Direct

Holdings (Derivative)

Security	Exercise Price	Expiration	Underlying	Shares	Ownership
Non-Qualified Stock Option (right to buy)	$32.49	2031-10-31	Common Stock (607)	607	Direct
Non-Qualified Stock Option (right to buy)	$26.12	2030-10-31	Common Stock (1276)	1276	Direct
Non-Qualified Stock Option (right to buy)	$36.46	2029-10-31	Common Stock (652)	652	Direct
Non-Qualified Stock Option (right to buy)	$28.16	2028-10-31	Common Stock (564)	564	Direct

Footnotes

F1: Restricted and performance stock grants vest ratably over three years beginning November 11, 2026, respectively, as follows: 8,674 shares, and 12,935 shares based upon certain performance criteria related to total shareholder return.

F2: Includes 51,594 stock units awarded pursuant to a Supplemental Executive Retirement Plan ("SERP") for the benefit of the reporting person.