WaFd

Q3 FY2026 EarningsFY26 Q3 beat consensus across key profitability metrics: diluted EPS of $0.84 exceeded the $0.815 expectation, while total revenue (Net Interest Income + Non-Interest Income) reached $205.5M vs. the ~$199.9M consensus. Net Interest Margin (NIM) expanded to 2.81% (vs. 2.75% expected), driven by a 34 bps decline in the cost of interest-bearing liabilities. Despite a higher-than-expected provision for credit losses ($11.0M) due to growth in Commercial & Industrial and Construction portfolios, strong non-interest income and effective tax management sustained the bottom-line performance.