Stock Ratings / Financials / WAFD / options

OFG (63) NWBI (66) EFSC (66) SRCE (56) ⌘ Pro Terminal →

WaFd Inc. (WAFD) Options Positioning, Max Pain & Unusual Sweeps

$29.66 +1.16% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.79

WaFd Inc. (WAFD) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $2.19B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $29.79 (+0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 702.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WAFD)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY WAFD SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (26% of score)

FRED Regime × Technicals: 14% of 52W Range • RSI-14 at 41.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$29.43-1% Next Q

Q2 (-2Q)

Grade C+$29.15+1.1% Next Q

Q3 (-1Q)

Grade B-$29.47+0.6% Next Q

Current

Grade B-$29.66+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WAFD Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, WAFD faces multiple-compression risk if 9.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.85) or 200D SMA ($33.96) invalidates the momentum regime and cuts Target Base ($31.26) toward Bear Floor ($24.32).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WAFD• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WAFD Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (WAFD)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for WAFD.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating WAFD & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on WAFD
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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WAFD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -16.21%▼ DESCENDING CHANNEL

2026-10-30O $29.76H $29.76L $29.19C $29.66VOL 657.8K

RES: $34.77SUP: $27.57SMA50: $31.85SMA200: $33.96

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WAFD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WAFD Butterfly Map → + Track WAFD →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-1.8%/yr Implied 5Y Growth

vs. +7.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WAFD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WAFD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WAFD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WAFD)

Financials Rank #147 of 1096 ⚔️ OFG vs WAFD Full Matrix →

1. Head-to-Head Financials Peer Comparison (WAFD vs. OFG, NWBI, EFSC, SRCE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, WaFd Inc. (WAFD) ranks #147 by composite RQD confidence (70/100, grade B-) and #416 by equity capitalization ($2.19B). Within this direct 5-issuer industry benchmark cohort, WAFD leads on earnings valuation at 9.7x trailing P/E, while OFG leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. WAFD currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WAFD ACTIVE WaFd Inc.	B-	70/100	9.7x	—	7.5%	+1.16%	$2.19B	Benchmark Subject
OFG OFG Bancorp	C	63/100	10.5x	—	14.8%	+0.26%	$2.15B	/ofg-vs-wafd →
NWBI Northwest Bancshares Inc.	C+	66/100	17.8x	—	6.7%	+0.79%	$2.25B	/nwbi-vs-wafd →
EFSC Enterprise Financial Services Corporation	C+	66/100	11.2x	—	9.9%	+0.08%	$2.26B	/efsc-vs-wafd →
SRCE 1st Source Corporation	D+	56/100	—	—	—	+0.97%	$2.13B	/srce-vs-wafd →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000936528

In its most recent audited fiscal period (FY2025, filed 2025-09-30), WaFd Inc. (WAFD) reported GAAP revenue of $29.6M (+7.8% vs. FY2024 revenue of $27.5M , and +13.8% cumulative change since FY2023) , GAAP net income of $226.1M, operating cash flow of $237.0M, and free cash flow of $208.2M (-49.8% YoY). On the balance sheet, WAFD closed FY2025 with $27.29B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$29.6M	$226.1M	$237.0M	$208.2M	$27.29B	—
FY2024 (FY)	2024-09-30	$27.5M	$200.0M	$439.2M	$414.6M	$27.68B	—
FY2023 (FY)	2023-09-30	$26.1M	$257.4M	$214.0M	$214.0M	—	—

3. WAFD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WAFD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, WaFd Inc. (NASDAQ: WAFD) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $29.66 (+1.16% 1D, market cap $2.19B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WAFD ranks #147 in composite RQD confidence.

How does WAFD compare to OFG and NWBI in the Financials sector?

Within the Financials sector (Major Banks), WAFD carries a Roarable B- (70/100 RQD), trailing P/E of 9.7x, gross margin of —, and ROIC of 7.5%. By comparison, OFG (OFG Bancorp) holds a C grade (63/100 RQD, P/E 10.5x, ROIC 14.8%, cap $2.15B) and NWBI (Northwest Bancshares Inc.) posts a C+ grade (66/100 RQD, P/E 17.8x, ROIC 6.7%, cap $2.25B). Among the 5-stock peer group, WAFD leads on earnings multiple (9.7x) while OFG leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WAFD?

Per WAFD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000936528), WaFd Inc. generated $29.6M in revenue (+7.8% YoY), $226.1M in net income, and $208.2M in free cash flow against $27.29B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WAFD trading relative to its 50-day, 200-day, and 52-week technical levels?

WAFD last traded at $29.66 (+1.16% on volume of 529,951 shares), positioning the stock -6.88% below its 50-day simple moving average ($31.85) and -12.66% below its 200-day simple moving average ($33.96). Across its 52-week range of $28.10 to $39.49, WAFD sits at the 13.7% percentile with a 14-day RSI of 41.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($28.30 to $31.02).

WAFD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is WAFD's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for WAFD.

Direct Sub-Reports: WAFD RQD Cockpit WAFD 12M Forecast WAFD Earnings & Move WAFD Dividends & DRIP WAFD Insiders & 13F WAFD Whale Options WAFD Profit Sankey WAFD News & Why