Should I Buy WAFD? WAFD 2026 Analysis

Should You Buy WaFd Inc (WAFD) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

33.710

1 Day change

0.36%

52 Week Range

34.300

Analysis Updated At

2026/01/30

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WAFD is not a compelling buy right now. Price is sitting near the pivot (~32.35) with neutral momentum (RSI ~55) and a still-negative MACD histogram, while Wall Street remains Neutral/Market Perform with price targets clustered around the current price ($30.5–$34). With no proprietary buy signals and no near-term catalysts in the news, the risk/reward looks more “wait/hold” than “buy now” for an impatient entry.

Technical Analysis

Trend/Momentum: Mixed-to-neutral. MACD histogram is negative (-0.0423) but contracting, implying downside momentum is fading rather than accelerating. RSI_6 at 55.5 is neutral, not signaling an oversold bounce or overbought breakout. Moving Averages: Converging moving averages suggest consolidation and no strong trend. Key Levels: Pivot 32.346 is the immediate “line in the sand.” Resistance levels are R1 33.175 and R2 33.687 (near-term upside zones). Supports are S1 31.517 and S2 31.005. Near-term drift: Pattern-based projection suggests slightly negative bias over the next week (-1.05%) with only modest 1-month upside (+0.35%), which doesn’t justify an aggressive buy today.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment/Positioning: Open interest put-call ratio of 0.26 is call-heavy (generally bullish positioning), but today’s option volume is 0, so there’s no confirming real-time flow. Volatility: Implied vol (30d) is elevated at ~68% versus historical vol ~26.6%, indicating options are priced rich; that often aligns with uncertainty, but it can also mean the stock market expects larger-than-usual moves. Overall read: Mildly bullish positioning (OI), but low activity today and expensive IV reduce the usefulness of the signal for timing a buy.

Technical Summary

Sell

Buy

Positive Catalysts

gives a nearby level to reclaim for a push toward 33.18–33.
No notable insider selling pressure reported (insiders neutral).

Neutral/Negative Catalysts

No news/catalysts in the past week to drive an upside re-rating.
Technical momentum not bullish yet: MACD remains below zero (even if improving), and moving averages are converging (range-bound behavior).
Analyst tone remains cautious/neutral: one target was cut to $30.50 (below current price), limiting perceived upside.
Short-term statistical tilt slightly negative for the coming week.

Financial Performance

2026/Q1 results show clear acceleration: Revenue rose to 180.35M (+10.07% YoY), Net Income to 60.54M (+38.82% YoY), and EPS to 0.79 (+46.30% YoY). The quarter indicates improving profitability and earnings power versus last year, which supports the stock fundamentally even if the chart is currently consolidating.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent changes:

2026-01-20 Keefe Bruyette raised PT to $34 (from $31) and kept Market Perform, calling it a “show me” story.
2026-01-20 Piper Sandler lowered PT to $30.50 (from $33.50) and kept Neutral, citing weaker net interest income and fees (partially offset by better expenses and provisions). Wall Street pros/cons: Pros—improving results and at least one PT raise. Cons—ratings remain Neutral/Market Perform and one meaningful PT cut reflects concern about core income trends. Net: Street view is balanced and not signaling a high-conviction buy at current levels.

3 Analyst Rating

Wall Street analysts forecast WAFD stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for WAFD is 31.5 USD with a low forecast of 30 USD and a high forecast of 33.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

3 Hold

0 Sell

Hold

Current: 33.590

Low

Averages

31.5

High

33.5

Current: 33.590

Low

Averages

31.5

High

33.5

Keefe Bruyette

Market Perform

maintain

$31 -> $34

AI Analysis

2026-01-20

Reason

Keefe Bruyette

Price Target

$31 -> $34

AI Analysis

2026-01-20

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on WaFd to $34 from $31 and keeps a Market Perform rating on the shares. WaFd remains a "show me" story, the analyst tells investors in a research note.

Piper Sandler

Neutral

downgrade

2026-01-20

Reason

Piper Sandler

Price Target

2026-01-20

downgrade

Neutral

Reason

Piper Sandler lowered the firm's price target on WaFd to $30.50 from $33.50 and keeps a Neutral rating on the shares. The firm maintains its fiscal 2026 EPS of $3.17 and lowers its fiscal 2027E EPS to $3.19 from $3.33 based on weaker net interest income and fees partially offset by better non-interest expense and loan loss provisions.

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WAFD Should I Buy

WAFD Should I Buy

Should You Buy WaFd Inc (WAFD) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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