WaFd, Inc. (WAFD) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $35.50 — A.R:R is negative (-0.9) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.4% away).
WaFd Bank is a Washington state commercial bank with 208 branches across nine western states, offering lending, deposit, insurance, and wealth management services. Revenue comes primarily from interest on loans and investments; net loan portfolio was 20.1 billion dollars (75.2%... Read more
Sell if holding. Analyst target reached at $35.50 — A.R:R is negative (-0.9) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.4% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.6/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 77d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMProductfixed-rate single-family home loans10-K Item 1A: 'our significant portfolio of fixed-rate single-family home loans, which are longer-term in nature than the customer accounts and borrowed money that constitute our liabilities'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02LOWOn February 27, 2026, WaFd Board appointed Erin Hill as director effective March 2, 2026, filling vacancy from David K. Grant whose term expired. Hill also appointed to WaFd Bank board. Compensation consistent with other non-employee directors.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $35.50 — A.R:R is negative (-0.9) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (1.4% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $33.84. Score 5.6/10, moderate confidence.
Take-profit target: $35.30 (-0.6% upside). Prior stop was $33.84. Stop-loss: $33.84.
Analyst target reached - limited upside remaining; Near 52-week high (1.4% away); Consecutive earnings misses (2).
WaFd, Inc. trades at a P/E of 11.5 (forward 10.2). TrendMatrix value score: 7.8/10. Verdict: Sell.
9 analysts cover WAFD with a consensus score of 2.4/5. Average price target: $37.
What does WaFd, Inc. do?WaFd Bank is a Washington state commercial bank with 208 branches across nine western states, offering lending,...
WaFd Bank is a Washington state commercial bank with 208 branches across nine western states, offering lending, deposit, insurance, and wealth management services. Revenue comes primarily from interest on loans and investments; net loan portfolio was 20.1 billion dollars (75.2% of total assets) at September 30, 2025. In January 2025, the bank exited single-family mortgage origination to focus on commercial lending.