WaFd Inc

WAFD is exhibiting Stage 3 distribution, confirmed by the Bearish Pivot Point where the 9 EMA crossed below the 50 DMA and price closed under both, signaling structural repair lower. Price now trades below the declining 9/20/50 EMAs, which act as resistance, and momentum indicators are rolling over. With no mean-reversion eligibility and both medium- and short-term trends down, the optimal engagement is to sell now into the EMA resistance zone and participate in the next leg lower.

• ↑Q3 net income $62.5M (up 15% YoY), EPS $0.84; $0.27 dividend (174th straight).
• ↑Active loan originations $1.5B; management targets 8–12% portfolio growth.
• ↓Q3 deposits fell $192M amid fierce deposit competition and higher rates.