WAFD Stock Analysis: Buy, Sell, or Hold?
WAFD - WaFd, Inc. Common Stock
$34.32
-0.40 (-1.15%)
▼
5d:
-3.46%
30d:
+5.57%
90d:
+4.38%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 10, 2026
0d
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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 0.4% decline. Moderate conviction.
💡 BUY OPPORTUNITY: WAFD shows positive signals but monitor for confirmation. Market pricing in 0.4% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.35
Based on 5.1% avg growth
INTRINSIC VALUE TODAY
$27.54
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 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WAFD is currently trading at $34.32, which is considered fair relative to its 30-day fair value range of $33.14 to $35.71. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (10.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This pessimistic expectation contrasts with the company's recent 26.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WAFD is in a uptrend. The price is currently testing key support at $34.06. A bounce from this level would confirm strength, while a break below could signal further downside.
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 uptrend. The price is currently testing key support at $34.06. A bounce from this level would confirm strength, while a break below could signal further downside.
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
$33.14 -
$35.71
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.00)
Trading Range Analysis
30-Day Trading Range
$33.14 -
$35.71
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$34.06
Resistance Level
$38.59
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.00
Wall Street Target
$37.00
(+7.8%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
26.4%
Profit Margin
33.6%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
10.0 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$34.18
(0%)
2-Year Target
$34.05
(-1%)
3-Year Target
$33.91
(-1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$34.25
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 6.1%)
$90.49
(+164%)
Base:
(SPY PE: 10.0, Growth: 6.1%)
$41.00
(+20%)
Bear:
(PE: 8.5, Growth: 6.1%)
$34.85
(+2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.38 | Current EPS (TTM): $3.05
Bull Case
$42.98
(+25%)
Analyst growth 12.5%, PE expands to 12.5
Base Case
$39.07
(+14%)
Market implied 12.5%, PE stable at 11.4
Bear Case
$23.61
(-31%)
Severe decline -20.0%, PE contracts to 9.7
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 10.0 to 10.1
Stabilization Target:
$34.67
(+1.0%)
PE Expansion Potential:
+1.0%
Share & Embed Analysis
Last updated: May 15, 2026 10:26 PM ET
Data refreshes hourly during market hours. Next update: 11:26 PM
Data refreshes hourly during market hours. Next update: 11:26 PM
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Technical Signals Check
Is WAFD showing a specific setup today?
Insider Activity (6 Months)
2
Buys
1
Sells
+
Net
INSIDERS SELLING
Recent Transactions
Cathy E Cooper
SELL
5300 shares
2026-02-06
Brent J Beardall
BUY
3000 shares
2025-12-03
Brent J Beardall
BUY
3000 shares
2025-11-26
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