WAFD WaFd, Inc. Common Stock

XNAS 29.41 Delayed
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

WAFD $29.41 —
Key stats
$29.41
52-Week Range
$28.10 – $39.49
YTD
-8.45%
IV Rank (30D)
10.06
Straddle Price
$4.10
P/C Vol Ratio
0.14
Market Cap
$2.2B
Open
$29.20
Day Range
$29.09 – $29.59
Volume
252,720
Prev Close
$29.44
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.12%
Beta vs SPY0.80
Cost of Equity (CAPM)9.12% (VRP-adj)
WACC6.87%
Volatility Risk Premium+61.3pp (IV − HV30)
Effective Tax Rate22.0%
Rev. Growth (YoY, DCF input)-1.6%
DCF Horizon10 years explicit + fade
Free Cash Flow (TTM)$0.2B
Return on Equity (TTM)8.0%
Book / Price129.5% — banking bias active (P/B is primary)
Bank Quality Adj×0.75 (target ROE vs peer median)
Gross Margin (TTM)55.2%
FCF Margin (TTM)17.2%
Debt / Equity1.04
Quality Score3/6 — normal (10y DCF)
Market-Implied Growth-0.1% (reverse-DCF on current price)
SMA 50$32.80 (Market Anchor value)
SMA 20 / Bollinger Mid$29.66
Bollinger Width / SMA2035.1% (drives anchor stability)
Net Debt$2.4B
Market Cap$2B
Peers used for multiples: AUB, BAC, CHCO, INDB, JPM, NBTB, SFNC, UCB
60-Day Conviction
36%
20-Day Fair Value
≈ by Nov 23, 2026
$29.43
α +0.1% rank 19%
conviction
5%
40-Day Fair Value
≈ by Dec 22, 2026
$29.63
α +0.8% rank 30%
conviction
23%
60-Day Fair Value
≈ by Jan 20, 2027
$29.69
α +1.0% rank 24%
conviction
36%
MethodImplied PriceWeightDetail
DCF $23.97 23%
DDM (Gordon) $9.96 18%
Peer P/E $28.61 7% median 12.5× · 7 peers
Peer EV/EBITDA n/a 0% median 10.9× · 7 peers
Peer P/B $44.42 10% median 1.2× · 8 peers
Peer P/S $37.74 3% median 2.8× · 8 peers
Market Anchor (SMA50) $32.80 39% stability 85% (BB-width)
Options Expected (B-L 30d) $26.93 0% 7 strikes · skew -0.93
As of 2026-10-23 · updated
About
Industry (SIC)
NATIONAL COMMERCIAL BANKS (6021) · industry map
Exchange
XNAS
Market Cap
$2.2B
Employees
2,037
List Date
1982-11-09
CIK
0000936528
Headquarters
Seattle, WA
Homepage
https://www.wafdbank.com

WaFd Inc is engaged in providing lending, depository, insurance, and other banking services to consumers, mid-sized to large businesses, and owners and developers of commercial real estate. Through the WaFd Bank, it is involved in accepting deposits from the general public and investing these funds in loans of various types, including first-lien mortgages on single-family dwellings, construction loans, land acquisition and development loans among others. The Bank also invests in certain United States government and agency obligations along with other investments and also performs insurance bro…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan2.39%4.10%6.39%-11.92%-7.13%1.53%-0.77%
Feb14.73%1.72%-2.28%-4.66%0.41%-5.78%0.69%
Mar0.33%-4.62%-14.24%5.60%-3.22%-0.92%-2.85%
Apr5.41%-7.56%-5.75%-4.55%1.10%11.92%0.10%
May1.03%6.32%-5.66%1.41%-0.63%0.28%0.46%
Jun-5.05%-7.37%-0.49%3.63%3.32%9.63%0.61%
Jul1.19%11.72%14.33%26.21%-4.42%-6.03%7.17%
Aug4.42%-7.57%-11.32%7.51%8.94%-4.28%-0.38%
Sep3.56%-5.81%-8.47%-4.34%-3.87%-15.40%-5.72%
Oct1.46%26.31%-3.06%1.22%-3.01%-1.92%*3.50%
Nov-9.98%-8.58%8.66%8.97%7.39%--1.29%
Dec4.12%-4.25%16.47%-11.45%-0.09%--0.96%
Total24.01%-1.12%-10.18%12.77%-2.42%-12.96%1.68%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $29.56
SMA 50: $32.63
SMA 200: $34.05
Current: $29.41
EMA 12: $29.29
EMA 26: $30.29
MACD: -1.0046 | Signal: 0.1796
BEARISH
ADX (14): 39.82
TREND
+DI: 18.17
−DI: 25.66

Momentum Oscillators

RSI (14): 40.70
NEUTRAL
Stoch %K: 37.06
Stoch %D: 23.98
Williams %R: -44.94

Volume & Volatility

BB Upper: $30.90
BB Lower: $28.22
NEUTRAL
OBV: -15,862,565
Vol SMA 20: 1,088,182
Vol ROC: -68.18%
ATR: $0.75
True Range: $0.50
HV 20: 26.0%
HV 30: 24.1%
HV 60: 22.8%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-24T00:00:00 – 2026-10-22T00:00:00
AI Analysis

WAFD Stock Analysis Report

Executive Summary

Overall Assessment: BEARISH | Confidence Level: 7/10

Investment Thesis: WaFd is in a confirmed downtrend with technical deterioration suggesting further weakness in the near term. The stock has declined 16.9% over four weeks and is currently trading below all major moving averages with severely oversold momentum indicators. While the oversold RSI presents mean-reversion potential, the strong bearish trend (ADX 47.56) and negative volume dynamics indicate selling pressure remains dominant. The low beta (0.52) provides some downside protection relative to market, but offers limited upside participation if broader market conditions improve.

Key Drivers:

  • Bearish: Strong downtrend (ADX 47.56), price 5.4% below SMA 20, MACD bearish crossover (-1.37), extreme volume decline (-94.72%), negative OBV accumulation
  • Bullish Factors: Oversold RSI (26.85) offers mean-reversion opportunity, defensive beta (0.52) limits downside participation, Bollinger Bands lower band provides support at $28.58
  • Primary Risk: Continued weakness if oversold bounce fails; data quality concerns with extremely low recent volume

Recent News Sentiment Impact: Mixed signals with earnings growth expectations (negative headline 10/08) contradicted by "buy the dip" commentary (positive 10/06). The EverBank merger narrative (positive) from September appears insufficient to arrest the recent four-week decline, suggesting fundamental or sentiment headwinds may outweigh strategic positives.

Technical Analysis

Trend Direction

Short-term (1-4 weeks): STRONGLY BEARISH

  • Price: $29.44 vs SMA 20: $31.08 (-5.4%)
  • Price below all major moving averages (SMA 50: $34.33, SMA 200: $34.23)
  • EMA 12 ($30.36) above EMA 26 ($31.74) suggests weakening upside momentum
  • ADX 47.56 indicates a very strong trending market with -DI (35.21) >> +DI (12.96), confirming bearish dominance

Medium-term (1-3 months): BEARISH

  • Positioned near lower end of intermediate range
  • Price 14.3% below SMA 200, indicating sustained downtrend
  • No recovery signals in moving average structure

Long-term (3-12 months): NEUTRAL TO BEARISH

  • SMA 200 ($34.23) vs SMA 50 ($34.33) are nearly aligned, suggesting potential reversal zone if long-term support holds
  • Extended weakness from current levels could test longer-term support structures

Support/Resistance Levels

| Level | Type | Distance | Analysis | |-------|------|----------|----------| | $28.58 | Strong Support | -2.9% | Bollinger Bands lower band; psychological round number | | $29.00 | Support | -1.5% | Recent swing low area; consolidation zone | | $31.08 | Resistance | +5.5% | SMA 20 (immediate resistance); bearish trend threshold | | $34.23 | Key Resistance | +16.3% | SMA 200 (long-term trend reversal level) | | $33.59 | Resistance | +14.1% | Bollinger Bands upper band |

Critical Support Interpretation: The $28.58 level represents the last major technical support before potential continuation of weakness. A close below this level on volume would suggest further downside toward $26-27 range.

Momentum Signals

RSI (14): 26.85 — OVERSOLD

  • Reading of 26.85 is deeply oversold (threshold: <30), indicating extreme selling momentum
  • Mean-reversion opportunity: Historically, RSI <30 often precedes relief bounces of 2-4% over 3-7 days
  • Concern: Oversold readings can persist in strong downtrends; RSI can remain <30 for extended periods during confirmed declines
  • Recommend waiting for RSI cross above 30 before considering long entries

MACD: -1.37 / Signal: 0.02 / Histogram: -1.39 — BEARISH CROSSOVER

  • MACD line (-1.37) is negative and below signal line (0.02), creating bearish crossover configuration
  • Histogram (-1.39) is negative and widening, indicating strengthening bearish momentum
  • This represents a confirmed bearish signal with no immediate reversal indication
  • Note: Extreme oversold RSI sometimes leads MACD by 2-3 days; watch for histogram stabilization as potential inflection point

Stochastic Oscillators: %K 9.65, %D 12.81 — EXTREME OVERSOLD

  • Both lines at extreme lows, mirroring RSI oversold condition
  • %K below %D suggests downside momentum remains intact
  • Potential bullish signal would be %K crossing above %D while both remain below 20

Williams %R: -93.57 — MAXIMALLY OVERSOLD

  • Reading of -93.57 (on -100 to 0 scale) represents extreme oversold condition
  • Confirms multiple momentum oscillators aligned in bearish/oversold regime
  • Historically, such extreme readings often precede 1-3 day relief rallies

Bollinger Bands Position

  • Current Position: Price ($29.44) sits between middle band ($31.08) and lower band ($28.58)
  • Signal: NEUTRAL band positioning (not touching extremes), width at 16.11
  • Interpretation: Unlike the extreme oversold momentum, BB position suggests orderly decline rather than panic; suggests consolidation rather than capitulation
  • Breakout Risk: A close below $28.58 would signal breakdown; a move above $31.08 would suggest trend reversal

Volume Analysis

Volume Trends — SEVERE DETERIORATION:

  • Volume Rate of Change: -94.72% (approaching historic lows)
  • Volume SMA 20: 1,408,643 (declining baseline)
  • Interpretation: Volume has collapsed to near negligible levels, raising data quality concerns for technical analysis reliability
  • Low volume on downside can indicate either capitulation completion (bullish setup) OR lack of institutional interest (bearish continuation)

On-Balance Volume (OBV): -13,717,942.20 (NEGATIVE)

  • Significantly negative OBV indicates sustained net selling/distribution
  • Failure to stabilize OBV while price consolidates suggests underlying weakness
  • Bullish reversal would require OBV stabilization followed by positive inflection

Institutional Activity Assessment:

  • Extreme volume collapse (-94.72%) makes institutional positioning assessment unreliable
  • Recent decline (16.9% in 4 weeks) on declining volume could indicate slow institutional liquidation rather than panic selling
  • Data Quality Flag: The 94.72% volume decline is abnormal and warrants confirmation; this may indicate data source issues or extreme market dislocation

News & Sentiment Analysis

Recent Headlines Summary

Positive Sentiment (2 articles):

  1. "Down 16.9% in 4 Weeks, Here's Why You Should Buy the Dip" (10/06) — Contrarian thesis suggesting price weakness is overdone; timing suggests article published near recent low
  2. "EverBank Merger Deal: A Boost to Earnings & Scale?" (09/08) — Strategic M&A narrative emphasizing growth and revenue diversification

Negative Sentiment (2 articles):

  1. "Earnings Expected to Grow: Should You Buy?" (10/08) — Framed as question rather than endorsement; timing (2 days after "buy dip" article) suggests analyst skepticism despite growth expectations
  2. "Citigroup Divests Consumer Wealth Business to HSBC in China" (06/11) — Industry-related but not directly WAFD-focused; likely included as sector context

Neutral Sentiment (2 articles):

  1. "Rides on Strategic Buyouts Amid Weak Asset Quality" (06/26) — Mixed positive (acquisitions) + negative (asset quality) messaging
  2. "Prosperity Bancshares' Buyouts Amid Pressure on NIM" (07/01) — Sector peer analysis; suggests industry-wide margin pressure

Sentiment Assessment

Aggregate Sentiment: MIXED TO SLIGHTLY NEGATIVE (55% negative, 25% positive, 20% neutral)

Critical Observation — Timing Misalignment:

Generated
News
All WAFD news →
Earnings History
21 of 22 under expected move
Avg Expected Move
9.22%
Avg Actual Move
2.66%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2021-07-14 Pre-Market 3.43% 3.76% 1.10x Exceeded
2021-10-15 Pre-Market 2.87% 2.24% 0.78x Within
2022-01-14 Pre-Market 7.50% 1.90% 0.25x Within
2022-04-14 Pre-Market 6.38% 0.85% 0.13x Within
2022-07-14 Pre-Market 5.02% 2.34% 0.47x Within
2022-10-14 Pre-Market 6.51% 6.06% 0.93x Within
2023-01-13 Pre-Market 4.28% 3.83% 0.89x Within
2023-04-14 Pre-Market 16.26% 3.37% 0.21x Within
2023-07-17 Pre-Market 10.87% 5.75% 0.53x Within
2023-10-18 Pre-Market 5.23% 5.08% 0.97x Within
2024-01-18 Pre-Market 8.83% 0.03% 0.00x Within
2024-04-23 Pre-Market 10.96% 1.71% 0.16x Within
2024-07-17 Pre-Market 9.49% 3.25% 0.34x Within
2024-10-18 Pre-Market 6.36% 2.11% 0.33x Within
2025-01-21 After-Close 17.24% 4.20% 0.24x Within
2025-04-15 Pre-Market 17.76% 2.32% 0.13x Within
2025-07-18 Pre-Market 3.36% 0.03% 0.01x Within
2025-10-29 Pre-Market 16.11% 2.15% 0.13x Within
2026-01-16 Pre-Market 6.37% 3.97% 0.62x Within
2026-04-16 Pre-Market 8.93% 0.09% 0.01x Within
2026-07-16 Pre-Market 12.50% 2.42% 0.19x Within
2026-10-15 After-Close 16.64% 1.02% 0.06x Within

Earnings calendar: this week’s reports with expected vs actual moves →

WAFD Options Activity & IV Rank

WAFD IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 29.3%
7-DTE IV: —
Expected Move: $4.10
7-DTE Move: $4.10
Days to Exp: 28 (2026-11-20)

Options Flow

Call Volume: 14
Put Volume: 2
P/C Volume: 0.143
BULLISH
Call OI: 26
Put OI: 2
P/C OI: 0.077
Total OI: 28

ATM Options Pricing

ATM Call: $1.65
ATM Put: $2.45
Call %: 5.6%
Put %: 8.3%

Chain Summary

Chain Volume: 149
Chain OI: 167
Last Updated: 10/23/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Dealer Positioning
LOW γ vs HISTORY

Estimated net dealer gamma is at the 4th percentile of this name's own daily history, near the low end of its range. This describes current positioning; it is not a forecast or a trading signal.

Gamma percentile
4%
vs own history
GEX tilt
+0.58
OI-weighted, today
Vanna tilt
-0.42
δ-sensitivity to IV
Charm tilt
-0.88
δ-decay vs time
Vanna tilt -0.42: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.88: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.

Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.

Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.

Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.

This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.

· 3 ATM contracts, 0k total OI
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
No data
30 DTE / 10d —
— pts EXTREME
ATM 35.3% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)10.1LowOct 23
Straddle Price (30 DTE)$4.10Oct 23
Beta Analysis

Risk Metrics

Beta: 0.4694
Alpha: -1.90%
Correlation: 0.2491
R-Squared: 6.2%
Stock Volatility: 24.0%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time

WAFD Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 78,188,160 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

301 filers72,313,402 shares$2.69B value92.49% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 10,774,309 $413.41M 15.39% 13.78% 2026-06-30
2 Vanguard Group Inc Custodian 8,778,878 $281.19M 10.47% 11.23% 2025-12-31
3 Dimensional Fund Advisors LP Custodian 4,964,442 $190.48M 7.09% 6.35% 2026-06-30
4 Vanguard Portfolio Management LLC 4,755,020 $182.45M 6.79% 6.08% 2026-06-30
5 State Street Corp 4,345,763 $166.75M 6.21% 5.56% 2026-06-30
6 Vanguard Capital Management LLC 3,324,356 $127.56M 4.75% 4.25% 2026-06-30
7 FULLER & THALER ASSET MANAGEMENT, INC. 3,142,312 $120.57M 4.49% 4.02% 2026-06-30
8 AllianceBernstein L.P. 3,807,514 $119.56M 4.45% 4.87% 2026-06-30
9 American Century Companies, Inc. 2,416,568 $92.72M 3.45% 3.09% 2026-06-30
10 Geode Capital Management, LLC Custodian 1,987,447 $76.27M 2.84% 2.54% 2026-06-30
11 SYSTEMATIC FINANCIAL MANAGEMENT LP 1,558,139 $59.79M 2.23% 1.99% 2026-06-30
12 Ameriprise Financial, Inc. Custodian 1,094,307 $41.99M 1.56% 1.40% 2026-06-30
13 Charles Schwab Investment Management, Inc. 1,020,988 $39.18M 1.46% 1.31% 2026-06-30
14 FRONTIER CAPITAL MANAGEMENT CO LLC 951,677 $36.52M 1.36% 1.22% 2026-06-30
15 Bank of America Corp Custodian 903,179 $34.65M 1.29% 1.16% 2026-06-30
16 Northern Trust Corp Custodian 831,630 $31.91M 1.19% 1.06% 2026-06-30
17 D. E. Shaw & Co., Inc. Custodian 790,567 $30.33M 1.13% 1.01% 2026-06-30
18 Goldman Sachs Group Inc Custodian 759,092 $29.13M 1.08% 0.97% 2026-06-30
19 Morgan Stanley Custodian 736,410 $28.26M 1.05% 0.94% 2026-06-30
20 Wells Fargo & Company Custodian 690,969 $26.51M 0.99% 0.88% 2026-06-30
21 Bank of New York Mellon Corp Custodian 690,349 $26.49M 0.99% 0.88% 2026-06-30
22 Two Sigma Investments, LP Custodian 566,391 $21.73M 0.81% 0.72% 2026-06-30
23 Millennium Management LLC Custodian 556,257 $21.34M 0.79% 0.71% 2026-06-30
24 BRIDGEWAY CAPITAL MANAGEMENT, LLC 538,077 $20.65M 0.77% 0.69% 2026-06-30
25 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 533,521 $20.47M 0.76% 0.68% 2026-06-30
# Filer Notional Value % of Total Period
1 filers$61.39K notional
# Filer Notional Value % of Total Period
1 Simplex Trading, LLC Custodian $61.39K 100.00% 2026-06-30

WAFD Insider Trading (Form 4)

Latest: 2021-01-05
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2021-01-05 David K Grant Director Award (A) +3,108 $25.74 $80.0K EDGAR
2021-01-05 Randall H Talbot Director Award (A) +3,108 $25.74 $80.0K EDGAR
2021-01-05 Thomas J Kelley Director Mixed +1,958 $25.74 $50.4K EDGAR
2021-01-05 Mark Tabbutt Director Award (A) +3,108 $25.74 $80.0K EDGAR
2021-01-05 Sudhir Steven Singh Director Award (A) +3,108 $25.74 $80.0K EDGAR
2021-01-05 Stephen Graham Director Award (A) +3,108 $25.74 $80.0K EDGAR
2021-01-05 Linda S Brower Director Mixed +2,176 $25.74 $56.0K EDGAR
2021-01-05 Barbara Smith Director Award (A) +3,108 $25.74 $80.0K EDGAR
2020-12-21 Cory D Stewart SVP & PAO Award (A) +2,000 $25.72 $51.4K EDGAR
2020-11-03 Cory D Stewart SVP & PAO Tax (F) −177 $21.29 -$3.8K EDGAR
2020-11-03 Vincent L Beatty EVP & CFO Mixed −13,278 $21.29 -$41.1K EDGAR
2020-11-03 Ryan Mauer EVP & CCO Mixed −2,908 $21.29 -$17.2K EDGAR
2020-11-03 Kim E Robison EVP & Operations Group Manager Mixed −12,438 $21.29 -$55.1K EDGAR
2020-11-03 Cathy E Cooper EVP & Retail Banking Manager Mixed −12,513 $21.29 -$56.7K EDGAR
2020-11-03 Brent J Beardall President & CEO Mixed −40,484 $21.29 -$141.6K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

WAFD Board & Officers

As of SEC filings through Apr 27, 2026

Directors 10

Officers 6

Changes in the last 10 years (40)
Feb 27, 2026Erin Hill became a director
Feb 3, 2026The company announced the departure of Sudhir Steven Singh from the board in an SEC filing
Feb 3, 2026The company announced the departure of David K Grant from the board in an SEC filing
Jan 21, 2025James Endrizzi reported in an SEC filing no longer being EVP & Chief Commercial Banker
Mar 1, 2024Mario Max Yzaguirre became a director
Mar 1, 2024Bradley M Shuster became a director
May 5, 2023The company announced the departure of Mark Tabbutt from the board in an SEC filing
Mar 15, 2023Blayne Sanden became SVP & Pao
Jan 1, 2023Kelli Holz became EVP & CFO
Jan 25, 2022The company announced the departure of Vincent L Beatty as EVP & CFO in an SEC filing
Jan 25, 2022The company announced the departure of Thomas J Kelley from the board in an SEC filing
Jan 25, 2022The company announced the departure of Barbara Smith from the board in an SEC filing
Oct 28, 2021Ryan Mauer listed as EVP & Chief Credit Officer (previously SVP & Chief Credit Officer) in SEC filings
Oct 28, 2021Kim E Robison listed as EVP & Chief Operations Officer (previously EVP & Operations Group Manager) in SEC filings
Oct 28, 2021James Endrizzi listed as EVP & Chief Commercial Banker (previously EVP Commercial Banking) in SEC filings
Oct 28, 2021Cathy E Cooper listed as EVP & Chief Consumer Banker (previously EVP & Retail Banking Manager) in SEC filings
Oct 28, 2021Brent J Beardall first listed as a director in an SEC filing
Jun 30, 2021Sylvia Hampel became a director
Jun 30, 2021Shawn Bice became a director
Jun 30, 2021Sean Singleton became a director
Not reported recently (6)
  • Cory D Stewart · Last reported as SVP & Pao in an SEC filing dated Nov 2, 2022
  • Anna C Johnson · Last reported as a director in an SEC filing dated Jan 3, 2020
  • Robert D Peters · Last reported as EVP Commercial Banking Manager in an SEC filing dated Feb 12, 2019
  • Roy M Whitehead · Last reported as a director in an SEC filing dated Jan 2, 2019
  • Mark Alan Schoonover · Last reported as EVP & Chief Credit Officer in an SEC filing dated Nov 1, 2018
  • Erin N Lantz · Last reported as a director in an SEC filing dated Jan 26, 2018
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

WAFD Proposed Insider Sales (Form 144)

Latest: 2026-04-24
Last 30d: 0 filings  ·  Last 90d: 0 filings

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-04-24 Robison Kim E Officer 22,000 $776.2K 2026-04-24 Fidelity Brokerage Services LLC — EDGAR
2026-02-06 Cooper Cathy E Officer 5,300 $179.0K 2026-02-06 Fidelity Brokerage Services LLC — EDGAR
2025-09-17 Singleton Sean Director 1,004 $31.8K 2025-09-17 Fidelity Brokerage Services LLC 10b5-1 EDGAR
2024-11-04 Mauer Ryan Officer 12,132 $404.8K 2024-11-04 Fidelity Brokerage Services LLC — EDGAR
2024-11-04 Cooper Cathy E Officer 7,500 $243.9K 2024-11-04 Fidelity Brokerage Services LLC — EDGAR
2024-05-21 Cooper Cathy E Officer 14,000 $399.3K 2024-05-21 Fidelity Brokerage Services LLC — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
114 ETFs hold WAFD
25 shown · $713.82M total exposure · 0.13% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 IJR iShares Core S&P Small-Cap ETF iShares (BlackRock) 0.12% $125.6M $103.8B 2026-10-21
2 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $70.6M — 2026-09-30
3 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.20% $63.8M $31.5B 2026-10-21
4 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.07% $51.8M $74.2B 2026-10-21
5 VB Vanguard Morningstar Small-Cap ETF Vanguard 0.03% $49.9M — 2026-09-30
6 DFSV Dimensional US Small Cap Value ETF Dimensional 0.16% $43.4M — 2026-10-21
7 DFAT Dimensional US Targeted Value ETF Dimensional 0.11% $32.9M — 2026-10-21
8 VBR Vanguard Morningstar Small-Cap Value ETF Vanguard 0.05% $32.4M — 2026-09-30
9 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 0.60% $25.5M $4.2B 2026-10-21
10 VXF Vanguard Extended Market ETF Vanguard 0.03% $24.9M — 2026-09-30
11 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.14% $19.5M $13.9B 2026-10-21
12 SPSM State Street® SPDR® Portfolio S&P 600™ Small Cap ETF SPDR (State Street) 0.12% $19.1M $15.8B 2026-10-21
13 DFAS Dimensional US Small Cap ETF Dimensional 0.05% $18.5M — 2026-10-21
14 IJS iShares S&P Small-Cap 600 Value ETF iShares (BlackRock) 0.23% $17.4M $7.7B 2026-10-21
15 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.56% $13.3M — 2026-06-30
16 VTWO Vanguard Russell 2000 ETF Vanguard 0.07% $13.0M — 2026-09-30
17 SCHA Schwab U.S. Small-Cap ETF Nport 0.06% $12.9M — 2026-05-31
18 KBE State Street® SPDR® S&P® Bank ETF SPDR (State Street) 0.82% $11.6M $1.4B 2026-10-21
19 SLYV State Street® SPDR® S&P 600™ Small Cap Value ETF SPDR (State Street) 0.23% $10.9M $4.7B 2026-10-21
20 PFF iShares Preferred and Income Securities ETF iShares (BlackRock) 0.09% $10.9M $11.9B 2026-10-21
21 DFMC Dimensional US Micro Cap ETF Dimensional 0.12% $9.4M — 2026-10-21
22 USVM VictoryShares US Small Mid Cap Value Momentum ETF Nport 0.54% $9.4M — 2026-06-30
23 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.01% $9.3M — 2026-10-21
24 FNDA Schwab Fundamental U.S. Small Company ETF Nport 0.10% $9.1M — 2026-05-31
25 VYM Vanguard High Dividend Yield ETF Vanguard 0.01% $8.8M — 2026-09-30
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
9.61
TTM Diluted EPS
$3.06
TTM Revenue
$1.38B
TTM Net Income
$237.67M
TTM Op. Cash Flow
$255.25M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q2 '262026-03-31$344.55M$61.89M$0.82$79.38M
Q1 '262025-12-31$342.75M$60.54M$0.79$60.48M
Q4 '252025-09-30$344.93M$56.94M$0.72$57.38M
Q3 '252025-06-30$349.99M$58.30M$0.73$58.01M
Q2 '252025-03-31$354.96M$52.60M$0.65$72.14M
Q1 '252024-12-31$360.82M$43.61M$0.54$49.43M
Q4 '242024-09-30$389.98M$57.48M$0.72$96.62M
Q3 '242024-06-30$409.20M$60.90M$0.75$63.15M
Q2 '242024-03-31$332.22M$12.23M$0.17$169.20M
Q1 '242023-12-31$301.01M$54.80M$0.85$110.26M
Q4 '232023-09-30$296.04M$46.55M$0.72$82.88M
Q3 '232023-06-30$286.25M$58.12M$0.89$20.15M
Q2 2026 • period ending 2026-03-31 • filed 2026-05-05
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
9.61
P/B
0.77
P/S
1.66
EV/EBITDA
14.65
EV/Sales
3.43
ROE
8.0%
ROA
0.9%
Div Yield
4.56%
FCF Yield
11.10%
Debt/Equity
1.04
Current Ratio
—
Market Cap
$2.30B
as of 2026-10-23
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
5.50M
SI % of Float
7.55%
Days to Cover
3.78
Short Vol Ratio
44.8%
Free Float
72.88M
Float %
98.5%
Short interest 2026-09-30 • Short volume 2026-10-22 • Float 2026-08-07