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SCSCHW

The Charles Schwab Corporation

$SCHW·$169B·Financial - Capital Markets·Financial Services
$97.00+1.3%YTD-2.8%1Y+6.0%
Mentions · last 7 days
2026-06-27: 0 posts2026-06-28: 12 posts2026-06-29: 27 posts2026-06-30: 159 posts2026-07-01: 29 posts2026-07-02: 41 posts2026-07-03: 88 posts363+16%
Price updated 1d ago·X counts updated 1h ago
SCSCHW
$SCHWThe Charles Schwab Corporation
$97.00+1.27%363 posts+16%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $SCHW, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersEvent coming upAI verdict · as of 2026-07-03

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Charles Schwab reports July 21 with Q2 earnings — a steady financial-services compounder at fair value.

The Charles Schwab Corporation is the largest US retail brokerage and one of the largest asset custodians — Schwab brokerage accounts, Ameritrade migration, and the Schwab Bank. The stock is roughly flat year-to-date at fair value and heading into a July 21 earnings print that will confirm or challenge the current setup.

  • Q1 was steady but not spectacular: revenue was $7.3B up 10% year-over-year with 43% operating margin — that's genuine top-line growth for a financial-services franchise and the margin reflects the leverage from spread-income-plus-fees.
  • The Ameritrade integration is fully cycled: Schwab has now fully integrated the Ameritrade acquisition, so the client-attrition risk that had been dragging on the stock in 2023-2025 is now behind the P&L — meaning any new customer growth is genuinely additive.
  • The valuation is fair for what it does: at 19x trailing earnings for a business with 43% operating margins and low capital intensity, Schwab is priced in the middle of financial-services peers — the multiple gives some room if Q2 confirms.
  • Insider tape is measured: Michael Verdeschi's $569K in-kind vesting on June 4 and Stephen Ellis's option exercise on June 25 are routine — no discretionary sales, no coordinated cluster, so this is a clean insider read.

The entire trade is now the July 21 Q2 earnings print — a maintained mid-teens growth guide plus color on client-cash-sweep trends runs the tape past $105; a soft print on net-interest-margin or trading revenue triggers a give-back to the $90 area. Watch net new asset flow and the trend in bank-deposit spreads as the two primary tells.

What to watch: Q2 earnings July 21 — maintained mid-teens growth plus client-cash-sweep trend color runs the tape past $105. A soft NIM or trading-revenue print triggers a give-back to $90. Watch net new asset flow and bank-deposit spreads.

On the calendar: 2026-07-21 — Q2 earnings

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What it does

Plain-English summary of the business — what they sell and how they make money.

The Charles Schwab Corporation (SCHW) stands as a prominent financial services enterprise, delivering a comprehensive suite of offerings that encompass wealth management, securities trading and brokerage, banking services, asset administration, custodial solutions, and financial planning advice. Its operations are primarily structured around two core divisions: Investor Services and Advisor Services. The Investor Services segment caters directly to individual retail clients, furnishing a range of services such as brokerage accounts, investment guidance, banking and trust administration, retirement planning, and corporate brokerage offerings. It further assists businesses with the full-service recordkeeping of equity compensation plans (e.g., stock options, restricted stock, performance shares), provides clearing services for retail investors and mutual funds, and offers compliance solutions. Conversely, the Advisor Services segment provides a robust support system for independent investment advisors. This includes custodial services, trading platforms, banking infrastructure, and general operational support. Within this segment, offerings span diverse brokerage accounts for equities, fixed income, margin lending, options, and futures/forex trading. It also facilitates cash management through various instruments, provides access to a broad selection of proprietary and third-party mutual funds and ETFs, and offers comprehensive trading and clearing for these investment vehicles. Furthermore, it delivers sophisticated advice solutions like managed portfolios, separately managed accounts, customized personal financial guidance, and specialized planning. Complementing these are banking products such as checking and savings accounts, first-lien residential mortgages, home equity lines of credit, and pledged asset lines, alongside a full spectrum of trust services including custody, reporting, and administrative roles. As of December 31, 2021, the company maintained an extensive physical presence, with approximately 400 domestic branch offices located across 48 U.S. states and the District of Columbia, in addition to sites in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. Established in 1971, its corporate headquarters are situated in Westlake, Texas.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Capital Markets sits in its cycle right now — and what that implies for $SCHW.

Financial - Capital Markets · Financial Services

SpaceX IPO (June 12) reactivated dormant retail brokerage accounts at record scale — Robinhood reporting its highest single-day signups confirms the retail infrastructure layer directly benefits from high-profile IPO cycles. CLARITY Act digital asset regulatory clarity is a parallel structural tailwind for crypto-adjacent capital markets names.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+2.4%YTD
+7.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
19.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
43.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
6.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
19.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
87.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026Apr 16, 2026$1.43$1.40+2.1%
Q4 2025Jan 21, 2026$1.39$1.36+2.2%
Q3 2025Oct 16, 2025$1.31$1.25+4.8%
Q2 2025Jul 18, 2025$1.14$1.10+3.6%
Next earningsTue, Jul 21·consensus EPS $1.50

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$7.3B+9.8%88.8%43.7%$1.37$7.2B
Q4 FY25$7.2B+7.8%88.4%44.4%$1.34$-921.0M
Q3 FY25$7.0B+7.4%87.1%42.9%$1.26$393.0M
Q2 FY25$6.8B+7.4%85.8%41.1%$1.09$3.0B

Forward consensus

5-year forecast · up to 13 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$27.1B$26.5B – $27.9B$6.16$5.84 – $6.399
FY27$30.0B$26.2B – $31.5B$7.35$5.81 – $7.9513
FY28$33.0B$32.4B – $33.6B$8.57$7.05 – $9.267
FY29$35.0B$32.5B – $36.4B$9.39$8.53 – $9.863
FY30$37.5B$34.8B – $38.9B$10.10$9.17 – $10.606

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.55%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+7.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+2.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β0.775-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyMay 28Richard A WursterCEO22.0K sh$1.8MSellMay 19Charles R. SchwabChair27.5K sh$2.5MSellMay 18Charles R. SchwabChair27.5K sh$2.5MSellMay 13Arun SarinDirector2.5K sh$228KSellMay 6Charles R. SchwabChair109.3K sh$10.1MSellMay 5Carolyn Schwab-pomerantzDirector9.9K sh$915KSellMay 4Charles R. SchwabChair109.3K sh$10.0MSellMay 1Charles R. SchwabChair55.0K sh$5.1MSellApr 30Charles R. SchwabChair50.0K sh$4.6MSellApr 29Charles R. SchwabChair63.7K sh$5.8M
1–10 of 15
+ 20 other (10 awards · 6 exempts · 3 gifts · 1 inkind) in window

See when $SCHW insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

424B5Prospectus supplement (offering)Jun 26424B5
AI summary

Charles Schwab final prospectus supplement for the $1B 4.603% Fixed-to-Floating Rate Senior Notes due 2029; fixed rate through July 27, 2028, then quarterly floating; first coupon payment July 27, 2026. Confirms the SCHW note terms announced in the concurrent 8-K.

424B5Prospectus supplement (offering)Jun 25424B5
AI summary

Charles Schwab preliminary prospectus (June 25) for Fixed-to-Floating Rate Senior Notes due 2029 with all financial terms blank. Preliminary filing preceding the final $1B 4.603% issuance.

8-KCharter amendmentJun 18-K — Item 5.03: Charter amendment
AI summary

Charles Schwab filed an 8-K for Item 5.03 (amendments to articles of incorporation or bylaws) on June 1, 2026; details are not visible in the excerpt. Corporate charter or bylaw amendment details not visible in excerpt.

8-KShareholder voteMay 228-K — Item 5.07: Shareholder vote
AI summary

Charles Schwab's 2026 Annual Meeting on May 21, 2026 elected all director nominees, ratified Deloitte as auditor, and approved the advisory NEO compensation vote; a proposal to declassify the Board (requiring 80% affirmative of all outstanding shares) was NOT approved. Annual meeting with notable rejection of board declassification proposal despite management recommendation.

424B5Prospectus supplement (offering)May 20424B5
AI summary

Charles Schwab filed the final prospectus supplement for $1B of 4.744% Fixed-to-Floating Rate Senior Notes due 2030 and $1.25B of 5.493% Fixed-to-Floating Rate Senior Notes due 2037, completed on May 21, 2026 with approximately $2,236M net proceeds. Final offering document confirming the terms of the $2.25B dual-tranche Schwab debt raise.

424B5Prospectus supplement (offering)May 18424B5
AI summary

Charles Schwab filed a preliminary prospectus supplement (May 18, 2026) for Fixed-to-Floating Rate Senior Notes due 2030 and 2037 and Floating Rate Senior Notes due 2030, with all financial terms blank. Preliminary filing preceding the final $2.25B dual-tranche issuance completed May 21.

8-KCharter amendmentApr 228-K — Item 3.03 · Item 5.03: Charter amendment · Item 8.01: Other event
424B5Prospectus supplement (offering)Apr 22424B5
+ 19 other (3 proxys · 2 routine 8-Ks · 2 13Gs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Will Charles Schwab (SCHW) Beat Estimates Again in Its Next Earnings Report?zacks.com·2d agoWhich Financial Stocks Actually Benefit When Interest Rates Stay High?fool.com·4d agoValue stocks beat growth when inflation is high. Here are 13 stocks top newsletters are betting on now.marketwatch.com·5d agoAmericans Need $1.6 Million to Retire. The Median 55-Year-Old Has $205,341.247wallst.com·7d agoSCHW vs. HOOD: Which Stock Is the Better Value Option?zacks.com·8d ago

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