WaFd (WAFD) Stock: Buy, Sell, or Hold?
WAFD - WaFd, Inc. Common Stock
$30.80
0.82 (2.74%)
▲
5d:
-1.75%
30d:
-14.3%
90d:
-19.29%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 15, 2026
10d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WAFD shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: WAFD 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
$49.27
Based on 6.4% avg growth
INTRINSIC VALUE TODAY
$30.59
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 $30.80, which is considered oversold relative to its 30-day fair value range of $31.20 to $35.65. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.8) compared to its historical average (10.3). Remarkably, the market is currently pricing in an annual earnings decline of 5.2% over the next few years. This pessimistic expectation contrasts with the company's recent 15.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WAFD is in a downtrend. Immediate support is located at $29.26, while resistance sits at $32.64.
Market Sentiment: WAFD scores 67/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $34.50 (+12.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, WAFD is in a downtrend. Immediate support is located at $29.26, while resistance sits at $32.64.
Market Sentiment: WAFD scores 67/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $34.50 (+12.0%). 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
OVERSOLD
Historical Trading Range
$31.20 -
$35.65
Company Quality Score
57/100
(HOLD)
Volume Confirmation
MODERATE
Confidence Score
83.3%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (67/100)
- BULLISH: Trading below Wall St target ($34.50)
- CAUTION: Bottoming setup, but lagging the sector by 29% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$31.20 -
$35.65
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$29.26
Resistance Level
$32.64
Current Trend
Downtrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.77
Wall Street Target
$34.50
(+12.0%)
Revenue Growth (YoY)
5.6%
Earnings Growth (YoY)
15.1%
Profit Margin
33.7%
Valuation Discount vs History
-5.2% cheaper
PE vs Historical
8.8 vs 10.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.2%
(market-implied from PE analysis)
1-Year Target
$29.20
(-5%)
2-Year Target
$27.68
(-10%)
3-Year Target
$26.24
(-15%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$30.80
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 8.8%)
$92.31
(+200%)
Base:
(SPY PE: 8.8, Growth: 8.8%)
$39.71
(+29%)
Bear:
(PE: 7.5, Growth: 8.8%)
$33.75
(+10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.46 | Current EPS (TTM): $3.17
Bull Case
$36.52
(+19%)
Analyst growth 10.7%, PE expands to 10.4
Base Case
$33.20
(+8%)
Market implied 10.7%, PE stable at 9.5
Bear Case
$20.39
(-34%)
Severe decline -20.0%, PE contracts to 8.0
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 8.8 to 10.3
Stabilization Target:
$36.15
(+17.4%)
PE Expansion Potential:
+17.4%
Share & Embed Analysis
Last updated: October 03, 2026 7:01 PM ET
Data refreshes hourly during market hours. Next update: 8:01 PM
Data refreshes hourly during market hours. Next update: 8:01 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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