The Charles Schwab (SCHW) Stock: Buy, Sell, or Hold?
SCHW - The Charles Schwab Corporation
$107.25
-0.08 (-0.07%)
▼
5d:
-2.84%
30d:
-1.91%
90d:
+20.91%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 15, 2026
Smart Money Accumulation
Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →
Signal fired Sep 4, 2026 at $109.29 · last confirmed Sep 9, 2026
Strength: 7.7/10
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SCHW shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: SCHW shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$196.69
Based on 12.2% avg growth
INTRINSIC VALUE TODAY
$122.13
12.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 14.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SCHW is currently trading at $107.25, which is considered slightly low relative to its 30-day fair value range of $107.18 to $111.06. The stock's valuation (Forward PE: 13.7) is in line with its historical norms (14.3). Remarkably, the market is currently pricing in an annual earnings decline of 1.2% over the next few years. This pessimistic expectation contrasts with the company's recent 42.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SCHW is in a strong uptrend. The price is currently testing key support at $106.08. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $124.95 (+16.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SCHW is in a strong uptrend. The price is currently testing key support at $106.08. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $124.95 (+16.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$107.18 -
$111.06
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
Protect Your Profits
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View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (46/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($124.95)
- NEUTRAL: Bottoming setup forming (46/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$107.18 -
$111.06
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$106.09
Resistance Level
$111.01
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.74
Wall Street Target
$124.95
(+16.5%)
Revenue Growth (YoY)
20.9%
Earnings Growth (YoY)
42.6%
Profit Margin
38.8%
Valuation Discount vs History
-1.2% cheaper
PE vs Historical
13.7 vs 14.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.2%
(market-implied from PE analysis)
1-Year Target
$105.96
(-1%)
2-Year Target
$104.69
(-2%)
3-Year Target
$103.44
(-4%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
$107.63
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 20.3%)
$273.95
(+155%)
Base:
(SPY PE: 13.7, Growth: 20.3%)
$186.65
(+74%)
Bear:
(PE: 11.7, Growth: 20.3%)
$158.65
(+48%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 19.41 | Current EPS (TTM): $5.53
Bull Case
$166.62
(+55%)
Analyst growth 41.1%, PE expands to 21.4
Base Case
$151.47
(+41%)
Market implied 41.1%, PE stable at 19.4
Bear Case
$72.98
(-32%)
Severe decline -20.0%, PE contracts to 16.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.7 to 14.3
Stabilization Target:
$111.60
(+4.1%)
PE Expansion Potential:
+4.1%
Share & Embed Analysis
Last updated: September 12, 2026 8:37 PM ET
Data refreshes hourly during market hours. Next update: 9:37 PM
Data refreshes hourly during market hours. Next update: 9:37 PM
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Technical Signals Check
Is SCHW showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
Sells
Net
INSIDERS SELLING
Recent Transactions
Paul V Woolway
SELL
7941 shares
2026-04-15
Paul V Woolway
SELL
7942 shares
2026-04-14
Nigel J Murtagh
SELL
41297 shares
2026-04-14
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