WaFd (WAFD) Stock: Buy, Sell, or Hold?
WAFD - WaFd, Inc. Common Stock
$29.47
0.03 (0.10%)
▲
5d:
+1.1%
30d:
-4.66%
90d:
-19.11%
BUY
HIGH Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 15, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: WAFD trading at deep discount. Market pricing in -6.2% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: WAFD trading at deep discount. Market pricing in -6.2% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$48.79
Based on 6.4% avg growth
INTRINSIC VALUE TODAY
$30.30
2.7% 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 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WAFD is currently trading at $29.47, which is considered slightly low relative to its 30-day fair value range of $28.99 to $31.83. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.4) compared to its historical average (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 6.2% over the next few years. This pessimistic expectation contrasts with the company's recent 5.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WAFD is in a strong downtrend. The price is approaching resistance at $29.87. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: WAFD scores 83/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WAFD is in a strong downtrend. The price is approaching resistance at $29.87. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: WAFD scores 83/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$28.99 -
$31.83
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
85.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (83/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($31.75)
- BULLISH: Bottoming setup score 83/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$28.99 -
$31.83
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$28.10
Resistance Level
$29.87
Current Trend
Strong Downtrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.40
Wall Street Target
$31.75
(+7.7%)
Revenue Growth (YoY)
8.2%
Earnings Growth (YoY)
5.3%
Profit Margin
33.0%
Valuation Discount vs History
-6.2% cheaper
PE vs Historical
8.4 vs 10.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.2%
(market-implied from PE analysis)
1-Year Target
$27.64
(-6%)
2-Year Target
$25.93
(-12%)
3-Year Target
$24.32
(-18%)
3-Yr Target (if PE normalizes)
(PE: 8→10)
$29.55
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.8%)
$89.87
(+205%)
Base:
(SPY PE: 8.4, Growth: 8.8%)
$37.99
(+29%)
Bear:
(PE: 7.1, Growth: 8.8%)
$32.29
(+10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 8.84 | Current EPS (TTM): $3.33
Bull Case
$34.13
(+16%)
Analyst growth 5.4%, PE expands to 9.7
Base Case
$31.03
(+5%)
Market implied 5.4%, PE stable at 8.8
Bear Case
$20.02
(-32%)
Severe decline -20.0%, PE contracts to 7.5
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 8.4 to 10.2
Stabilization Target:
$35.80
(+21.5%)
PE Expansion Potential:
+21.5%
Share & Embed Analysis
Last updated: October 23, 2026 9:53 PM ET
Data refreshes hourly during market hours. Next update: 10:53 PM
Data refreshes hourly during market hours. Next update: 10:53 PM
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Technical Signals Check
Is WAFD showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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