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WAFD

WaFdB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Fiscal 2026 EPS rose 22% to $3.21, transaction deposits increased 4.6%, and Q4 non-performing assets and delinquencies declined. The announced EverBank combination offers a potentially larger earnings base if approvals and integration proceed as forecast.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
A $36 million charge-off resolved one large classified loan, but does not establish that further credit losses are over. [#SEC-8K-2026-10-16]
Momentum
16
Value
63
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $31.50 · Bull $36.50 · Bear $23.50Analysis 2026-10-20; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-20 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $31.75
Why
Momentum16 · Δ7d -2.8
Value63 · Δ7d -0.2
Sentiment60 · Δ7d -7.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

Contradictions & invalidation

  • • A $36 million charge-off resolved one large classified loan, but does not establish that further credit losses are over. [#SEC-8K-2026-10-16]
  • • Q4 non-interest expense increased $11.2 million sequentially, including strategic investment and merger-related costs; the efficiency ratio rose to 55.12%. [#SEC-8K-2026-10-16]
  • • The $36 million classified-loan charge-off, $39 million of Q4 net charge-offs, higher expenses and merger execution risk temper the improvement in reported credit ratios.

Catalyst clock

2026-10-15

Fiscal Q4 earnings: improved credit metrics, but a material charge-off

Lead driver: Value · See fundamentals
Momentum
16
8% active weight
Current posture
7d trendSoftening
Δ7d
-2.8
Δ21d
-3.3
Value
63
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.8
Sentiment
60
45% active weight
Current posture
7d trendSoftening
Δ7d
-7.6
Δ21d
-16.1
Why this grade

Composite grade B. Momentum 15.5 / Value 63.4 / Sentiment 59.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-20. Scenario method

B+
Bull case
25%
Probability
Target price
$36.50
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$31.50
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$23.50
Analysis reference price unavailable
Analysis 2026-10-20 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$2.17B
Beta
0.86
Shares Out
74.02M
P/E (TTM)
12.3
P/S (TTM)
3.43
P/FCF (TTM)
22.85
Rev YoY
+1.9%
EPS YoY
+15.7%
Gross Margin
-
Op Margin
+23.6%
Net Debt
$1.21B
Current Ratio
0.07
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data