WAFD Stock Analysis: Buy, Sell, or Hold?
WAFD - WaFd, Inc. Common Stock
$37.36
0.59 (1.60%)
▲
5d:
+2.55%
30d:
-2.56%
90d:
+5.36%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 15, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: WAFD shows positive signals but monitor for confirmation. Market pricing in 2.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: WAFD shows positive signals but monitor for confirmation. Market pricing in 2.5% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$42.44
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$26.35
Trading above historical range
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 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WAFD is currently trading at $37.36, which is considered fair relative to its 30-day fair value range of $36.78 to $38.38. The stock's valuation (Forward PE: 11.1) is in line with its historical norms (10.3). At these levels, the market is pricing in 2.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, WAFD is in a strong uptrend. The price is approaching resistance at $37.43. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WAFD is in a strong uptrend. The price is approaching resistance at $37.43. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$36.78 -
$38.38
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($39.00)
- NEUTRAL: Market pricing in 2.5% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$36.78 -
$38.38
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$36.11
Resistance Level
$37.43
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.11
Wall Street Target
$39.00
(+4.4%)
Revenue Growth (YoY)
5.6%
Earnings Growth (YoY)
15.1%
Profit Margin
33.7%
Valuation Premium vs History
+2.5% premium
PE vs Historical
11.1 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.5%
(market-implied from PE analysis)
1-Year Target
$38.29
(+3%)
2-Year Target
$39.25
(+5%)
3-Year Target
$40.23
(+8%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$37.30
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 4.3%)
$79.01
(+112%)
Base:
(SPY PE: 11.1, Growth: 4.3%)
$42.35
(+13%)
Bear:
(PE: 9.4, Growth: 4.3%)
$35.99
(-4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.60 | Current EPS (TTM): $3.17
Bull Case
$42.90
(+15%)
Analyst growth 6.1%, PE expands to 12.8
Base Case
$39.00
(+4%)
Market implied 6.1%, PE stable at 11.6
Bear Case
$25.00
(-33%)
Severe decline -20.0%, PE contracts to 9.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 10:54 PM ET
Data refreshes hourly during market hours. Next update: 11:54 PM
Data refreshes hourly during market hours. Next update: 11:54 PM
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Technical Signals Check
Is WAFD showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Cathy E Cooper
SELL
5300 shares
2026-02-06
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