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WAFDP

WAFD, INC.
CIK 0000936528 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
54.8
composite ยท 3 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-01 ยท FY 2025-09-30 ยท TRIGGERED59.9

Earnings quality

Beneish M-Score -1.40 exceeds the -1.78 manipulation threshold
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-11-18) โ†—
Evidence โ€” inputs and thresholds
{
  "m_score": -1.402,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1,
    "AQI": 0.999,
    "SGI": 1.078,
    "DEPI": 9.789,
    "SGAI": 1,
    "LVGI": 1,
    "TATA": 0
  },
  "defaulted_to_neutral": [
    "DSRI",
    "GMI",
    "SGAI",
    "LVGI"
  ],
  "sloan_accruals": -0.0004,
  "inputs": {
    "revenue_t": 29650000,
    "revenue_t1": 27507000,
    "total_assets_t": 26699699000,
    "net_income_t": 226068000,
    "cfo_t": 236952000
  },
  "stale": false,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/0000936528-25-000117-index.htm",
    "form": "10-K",
    "filed": "2025-11-18"
  }
}
P-12 ยท FY 2025-09-30 ยท TRIGGERED63.9

Restatement predictor

F-Score 1.92 โ€” misstatement risk 1.9x the base rate
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-11-18) โ†—
Evidence โ€” inputs and thresholds
{
  "f_score": 1.917,
  "probability": 0.00709,
  "components": {
    "rsst": -0.0004,
    "drec": null,
    "dinv": null,
    "soft": 0.9656,
    "dcs": 0.0779,
    "droa": 0.0013,
    "issue": 1
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/0000936528-25-000117-index.htm",
    "form": "10-K",
    "filed": "2025-11-18"
  }
}
P-05 ยท FY 2025-09-30 ยท CLEAN0.0

Tax arbitrage

ETR 21.9% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-11-18) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2025-09-30": 0.2195,
    "2024-09-30": 0.2188,
    "2023-09-30": 0.2081
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2025-09-30": -0.0095,
    "2024-09-30": -0.0088,
    "2023-09-30": 0.0019
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2025-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/0000936528-25-000117-index.htm",
    "form": "10-K",
    "filed": "2025-11-18"
  }
}