WaFd, Inc. (WAFD) Stock Analysis
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $34.87 — A.R:R is negative (-1.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: total commercial loans (59.5%).
WaFd Bank is a Washington state-chartered commercial bank with 208 branches across nine western states (WA, OR, ID, AZ, UT, NV, NM, CA, TX), focused on commercial lending, construction, and historically single-family residential loans (now exiting that market). The $21.3B gross... Read more
Sell if holding. Analyst target reached at $34.87 — A.R:R is negative (-1.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: total commercial loans (59.5%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.7/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 58d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent Developments — WaFd, Inc.
Latest news
- WaFd faces earnings test as credit concerns mount - Investing.com — Investing.com negative
- Thrifts & Mortgage Finance Stocks Q4 Highlights: WaFd Bank (NASDAQ:WAFD) - Yahoo Finance — Yahoo Finance neutral
- WaFd (NASDAQ:WAFD) Stock Price Expected to Rise, Keefe, Bruyette & Woods Analyst Says - MarketBeat — MarketBeat positive
- Earnings Preview: WaFd to Report Financial Results Post-market on April 16 - 富途牛牛 — 富途牛牛 neutral
- Dole Posts Downbeat Q1 Earnings, Joins Ocular Therapeutix And Other Big Stocks Moving Lower In Monday's Pre-Market Sessi — benzinga May 11, 2026 neutral
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliototal commercial loans60%10-K Item 1: 'Total commercial loans| 12,651,754| 59.5'
- MEDIUMloan_portfoliosingle-family residential38%10-K Item 1: 'Single-family residential| 8,053,771| 37.9|'
- LOWloan_portfoliomulti-family22%10-K Item 1: 'Multi-family| $4,718,480| 22.2%|'
- MEDIUMregulatoryFDIC10-K Item 1: 'the Federal Deposit Insurance Corporation ("FDIC"), its primary federal regulator, which insures its deposits up to applicable limits'
Material Events(8-K, last 90d)
- 2026-03-02Item 5.02LOWErin Hill appointed to Board effective March 2, 2026, filling vacancy created by David K. Grant whose term expired at the 2026 Annual Meeting. Hill also serves on Audit and Finance Committees. Routine board appointment.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 $34.87 — A.R:R is negative (-1.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: total commercial loans (59.5%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $32.98. Score 5.7/10, moderate confidence.
Take-profit target: $37.82 (+8.5% upside). Prior stop was $32.98. Stop-loss: $32.98.
Concentration risk — Loan Portfolio: total commercial loans (59.5%); Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
WaFd, Inc. trades at a P/E of 11.5 (forward 10.2). TrendMatrix value score: 8.0/10. 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-chartered commercial bank with 208 branches across nine western states (WA, OR, ID, AZ,...
WaFd Bank is a Washington state-chartered commercial bank with 208 branches across nine western states (WA, OR, ID, AZ, UT, NV, NM, CA, TX), focused on commercial lending, construction, and historically single-family residential loans (now exiting that market). The $21.3B gross loan portfolio is led by single-family residential (37.9%), multi-family (22.2%), and commercial real estate (16.9%).