WAFD WAFD INC

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 4/4 quarters. Q2 2026: $21M, Q1 2026: $3M, Q3 2025: $10M, Q2 2025: $0M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $21M vs trailing avg $4M (+386%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Buyback $35M / FCF $177M = 20% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 3,632,317 shares = 4.6% of 78,186,520 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

2 open-market purchases by 1 insiders

• BEARDALL BRENT J (President & CEO) bought 3,000 shares at $16.85 on 2025-12-03
• BEARDALL BRENT J (President & CEO) bought 3,000 shares at $16.55 on 2025-11-26

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 4 quarters and 2 insider purchases by 1 insiders (no calendar overlap, but both independently active)

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $1M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 9.9x more than bought. 2 C-suite officers among sellers

• Robison Kim E (EVP & Chief Operations Officer) sold 22,000 shares on 2026-04-24
• Cooper Cathy E (EVP & Chief Consumer Banker) sold 5,300 shares on 2026-02-06