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Charles Schwab Corporation (The (SCHW) Stock Analysis

Recovery setup

Buy WaitVALUE-TRAP 1/5Moderate Confidence

Financial Services · Capital Markets

Wait for pullback to $88.57. BUY gates pass at $91.39, but concentration risk — Counterparty: TD Depository Institutions and leverage penalty (D/E 1.2): -0.5 argue for a more patient entry. Engine's entry $88.57 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum.

Charles Schwab is a savings and loan holding company providing brokerage, banking, wealth management, and asset management through Investor Services and Advisor Services segments. With $11.90 trillion in client assets and 38.5 million active brokerage accounts at December 31,... Read more

$91.39+17.3% A.UpsideScore 6.2/10#7 of 40 Capital Markets
QualityF-score7 / 9FCF yield
IncomeYield1.39%(5y avg 1.24%)Payout22.47%sustainable
Entry $88.57(Atr Pullback Sticky)Stop $84.35Target $104.62(analyst − 10%)A.R:R 2.9:1Setup A.R:R 3.7:1
Analyst target$116.25+27.2%20 analysts
$104.62our TP
$91.39price
$116.25mean
$84
$137

Wait for pullback to $88.57. BUY gates pass at $91.39, but concentration risk — Counterparty: TD Depository Institutions and leverage penalty (D/E 1.2): -0.5 argue for a more patient entry. Engine's entry $88.57 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Chart setup: Death cross but MACD improving, RSI 50. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.2/10, moderate confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news boost analyst 0.70, earnings proximity 56d clear, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

Recent Developments — Charles Schwab Corporation (The

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Positive news sentiment (+0.73)
Risks
Concentration risk — Counterparty: TD Depository Institutions
Leverage penalty (D/E 1.2): -0.5
Below 200-day MA

Key Metrics

P/E (TTM)18.3
P/E (Fwd)12.7
Mkt Cap$159.7B
EV/EBITDA
Profit Mgn38.0%
ROE19.1%
Rev Growth15.8%
Beta0.80
Dividend1.39%
Rating analysts28

Quality Signals

Piotroski F7/9MoatNarrow

Options Flow

P/C1.42bearish
IV37%normal
Max Pain$55-39.8% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHcounterpartyTD Depository Institutions
    10-K Item 1: 'bank deposit account fees are primarily recognized pursuant to the Second Amended and Restated Insured Deposit Account Agreement ... with TD Bank USA, National Association and TD Bank, National Association'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Value Rank
3.5
Growth Rank
4.1
Quality Rank
7.1
Best-in-class margins
GatesDeath cross (50MA < 200MA)Momentum 5.8>=5.5A.R:R 2.9 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.70EARNINGS PROXIMITY 56d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
50 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $87.53Resistance $93.43

Price Targets

$84
$89
$105
A.Upside+14.5%
A.R:R2.9:1
Setup A.R:R (at entry)3.7:1

Position Sizing

ConvictionMedium conviction
Suggested %0.8%
Max %1.5%
RegimeRisk-Off

Risk Alerts

! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-16 (56d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SCHW stock a buy right now?

Wait for pullback to $88.57. BUY gates pass at $91.39, but concentration risk — Counterparty: TD Depository Institutions and leverage penalty (D/E 1.2): -0.5 argue for a more patient entry. Engine's entry $88.57 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Chart setup: Death cross but MACD improving, RSI 50. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $104.62 (+14.5%), stop $84.35 (−8.3%), Setup A.R:R 3.7:1. Score 6.2/10, moderate confidence.

What is the SCHW stock price target?

Take-profit target: $104.62 (+17.3% upside). Target $104.62 (+14.5%), stop $84.35 (−8.3%), Setup A.R:R 3.7:1. Stop-loss: $84.35.

What are the risks of investing in SCHW?

Concentration risk — Counterparty: TD Depository Institutions; Leverage penalty (D/E 1.2): -0.5; Below 200-day MA.

Is SCHW overvalued or undervalued?

Charles Schwab Corporation (The trades at a P/E of 18.3 (forward 12.7). TrendMatrix value score: 6.8/10. Verdict: Buy (Wait for Entry).

What do analysts say about SCHW?

28 analysts cover SCHW with a consensus score of 4.1/5. Average price target: $116.

What does Charles Schwab Corporation (The do?Charles Schwab is a savings and loan holding company providing brokerage, banking, wealth management, and asset...

Charles Schwab is a savings and loan holding company providing brokerage, banking, wealth management, and asset management through Investor Services and Advisor Services segments. With $11.90 trillion in client assets and 38.5 million active brokerage accounts at December 31, 2025, revenue is primarily from net interest income, asset management fees, and bank deposit account fees from its multi-bank sweep program.

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