WAFD Stock Analysis: Buy, Sell, or Hold?
WAFD - WaFd, Inc. Common Stock
$36.38
-0.27 (-0.74%)
▼
5d:
-4.11%
30d:
-0.93%
90d:
+2.62%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 15, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WAFD is fairly valued with market pricing in 1.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: WAFD is fairly valued with market pricing in 1.4% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$42.85
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$26.61
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 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WAFD is currently trading at $36.38, which is considered oversold relative to its 30-day fair value range of $36.58 to $37.93. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.4). At these levels, the market is pricing in 1.4% 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 currently testing key support at $36.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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 strong uptrend. The price is currently testing key support at $36.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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
$36.58 -
$37.93
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($39.00)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (45/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$36.58 -
$37.93
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$36.14
Resistance Level
$38.27
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.82
Wall Street Target
$39.00
(+7.2%)
Revenue Growth (YoY)
5.6%
Earnings Growth (YoY)
15.1%
Profit Margin
33.7%
Valuation Premium vs History
+1.4% premium
PE vs Historical
10.8 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$36.89
(+1%)
2-Year Target
$37.41
(+3%)
3-Year Target
$37.93
(+4%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$36.46
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 4.3%)
$76.49
(+110%)
Base:
(SPY PE: 10.8, Growth: 4.3%)
$41.23
(+13%)
Bear:
(PE: 9.2, Growth: 4.3%)
$35.05
(-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): $3.16
Bull Case
$42.90
(+18%)
Analyst growth 6.4%, PE expands to 12.8
Base Case
$39.00
(+7%)
Market implied 6.4%, PE stable at 11.6
Bear Case
$24.92
(-32%)
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 24, 2026 7:18 AM ET
Data refreshes hourly during market hours. Next update: 8:18 AM
Data refreshes hourly during market hours. Next update: 8:18 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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