WaFd (WAFD) Stock: Buy, Sell, or Hold?
$29.27
-0.10 (-0.34%)
âŧ
5d:
-0.75%
30d:
+1.25%
90d:
-22.85%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (68%)
Quality Score
44/100
Position
FAIR
30-Day Fair Range
$28.99 â $29.87
Position: FAIR
Forward P/E & Valuation
8.3x
CHEAP
vs 10.1x historical avg
Wall Street Target
$31.75
+8.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$29.03 / $31.13
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: WAFD is fairly priced but lacks strong directional signals. At -6.1% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$48.31
Based on 6.4% avg growth
INTRINSIC VALUE TODAY
$30.00
2.4% 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 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WAFD is currently trading at $29.27, which is considered fair relative to its 30-day fair value range of $28.99 to $29.87. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.3) compared to its historical average (10.1). Remarkably, the market is currently pricing in an annual earnings decline of 6.1% 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 currently testing key support at $29.03. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 47/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, WAFD is in a strong downtrend. The price is currently testing key support at $29.03. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 47/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$28.99 -
$29.87
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
67.6%
Trading Range & Key Levels
30-Day Trading Range
$28.99 -
$29.87
Current vs Trading Range
FAIR
Support Level
$29.03
Resistance Level
$31.13
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (47/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($31.75)
- WARNING: Composite score 44/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
8.34
Wall Street Target
$31.75
(+8.5%)
Revenue Growth (YoY)
8.2%
Earnings Growth (YoY)
5.3%
Profit Margin
33.0%
Valuation Discount vs History
-6.1% cheaper
PE vs Historical
8.3 vs 10.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.1%
(market-implied from PE analysis)
1-Year Target
$27.48
(-6%)
2-Year Target
$25.81
(-12%)
3-Year Target
$24.23
(-17%)
3-Yr Target (if PE normalizes)
(PE: 8â10)
$29.35
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.8%)
$89.87
(+207%)
Base:
(SPY PE: 8.3, Growth: 8.8%)
$37.74
(+29%)
Bear:
(PE: 7.1, Growth: 8.8%)
$32.08
(+10%)
đ
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: 9.18 | Current EPS (TTM): $3.20
Bull Case
$35.44
(+21%)
Analyst growth 9.7%, PE expands to 10.1
Base Case
$32.22
(+10%)
Market implied 9.7%, PE stable at 9.2
Bear Case
$19.97
(-32%)
Severe decline -20.0%, PE contracts to 7.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.3 to 10.1
Stabilization Target:
$35.45
(+21.1%)
PE Expansion Potential:
+21.1%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (WAFD)
Bearish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 27, 2025
Daily AI digest
AI Retail Discussion Summary:
CEO Brent Beardall of $WAFD purchased 3,000 shares, boosting his total holdings to 371,124. No recent news articles were available.
Key Retail Themes:
CEO buy
Insider buying
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 13, 2026 4:25 AM ET
Data refreshes hourly during market hours. Next update: 5:25 AM
Data refreshes hourly during market hours. Next update: 5:25 AM
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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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