SCHW
The Charles Schwab Corporation Financial Services - Brokerage Investor Relations →
The Charles Schwab Corporation (SCHW) closed at $90.88 as of 2026-05-15, trading 23.5% above its 200-week moving average of $73.60. The stock moved further from the line this week, up from 20.2% last week. The 14-week RSI sits at 32, indicating neutral momentum.
Trading volume is running at 1.3x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.81 ratio) is neutral — neither side is clearly dominating.
Over the past 1968 weeks of data, SCHW has crossed below its 200-week moving average 24 times. On average, these episodes lasted 20 weeks. Historically, investors who bought SCHW at the start of these episodes saw an average one-year return of +10.6%.
With a market cap of $158.1 billion, SCHW is a large-cap stock. Return on equity stands at 19.1%, a solid level. The stock trades at 3.7x book value.
The company has been aggressively buying back shares, reducing its share count by 5.1% over the past three years.
Over the past 33.4 years, a hypothetical investment of $100 in SCHW would have grown to $13231, compared to $3058 for the S&P 500. That represents an annualized return of 15.7% vs 10.8% for the index — confirming SCHW as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been growing at a 100.6% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: SCHW vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After SCHW Crosses Below the Line?
Across 23 historical episodes, buying SCHW when it crossed below its 200-week moving average produced an average return of +4.3% after 12 months (median -4.0%), compared to +16.2% for the S&P 500 over the same periods. 48% of those episodes were profitable after one year. After 24 months, the average return was +16.0% vs +32.3% for the index.
Each line shows $100 invested at the moment SCHW crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices SCHW would reach each dislocation threshold.
Dislocation Price Levels
Prices where SCHW's Bean Score would hit each σ threshold. Valid until next earnings report (last report: 2025-12-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $88.50 | Unusually cheap — potential buy zone |
| Value | +1σ | $92.59 | Cheap vs. own history |
| Fair Value | +0σ | $97.08 | Historical mean behavior |
| Expensive | -1σ | $102.03 | Expensive vs. own history |
| Deep Expensive | -2σ | $107.51 | Unusually expensive — potential trim zone |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Historical Touches
SCHW has crossed below its 200-week MA 24 times with an average 1-year return of +10.6% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 1988 | Jan 1989 | 19 | 15.3% | +130.7% | +91878.4% |
| Feb 2001 | Dec 2004 | 199 | 67.7% | -34.9% | +520.3% |
| Jan 2005 | May 2005 | 19 | 10.5% | +40.9% | +978.7% |
| Oct 2008 | Oct 2008 | 1 | 4.1% | +11.7% | +601.0% |
| Nov 2008 | Nov 2008 | 2 | 2.8% | +11.5% | +587.5% |
| Dec 2008 | Apr 2009 | 18 | 34.6% | +11.9% | +580.9% |
| May 2009 | Jun 2009 | 3 | 4.0% | +1.1% | +567.6% |
| Jun 2009 | Jul 2009 | 4 | 7.5% | -15.8% | +572.8% |
| Aug 2009 | Sep 2009 | 4 | 2.1% | -24.4% | +534.7% |
| Oct 2009 | Nov 2009 | 3 | 5.5% | -15.3% | +527.3% |
| Nov 2009 | Nov 2009 | 1 | 2.2% | -13.9% | +532.2% |
| Dec 2009 | Dec 2009 | 1 | 0.1% | -6.2% | +516.9% |
| Jan 2010 | Feb 2010 | 3 | 3.9% | -1.3% | +513.2% |
| May 2010 | Jan 2011 | 36 | 27.9% | +6.4% | +549.1% |
| Jan 2011 | Feb 2011 | 2 | 1.8% | -33.3% | +521.5% |
| Mar 2011 | Mar 2011 | 1 | 2.9% | -11.2% | +527.6% |
| May 2011 | Dec 2012 | 86 | 36.6% | -24.6% | +522.7% |
| Feb 2016 | Feb 2016 | 1 | 2.9% | +76.7% | +354.7% |
| Aug 2019 | Sep 2019 | 5 | 9.2% | -6.0% | +172.1% |
| Sep 2019 | Oct 2019 | 3 | 12.1% | +7.5% | +180.0% |
| Feb 2020 | Nov 2020 | 37 | 27.3% | +54.2% | +143.2% |
| Mar 2023 | Jul 2023 | 18 | 17.2% | +21.0% | +68.9% |
| Aug 2023 | Nov 2023 | 15 | 17.2% | +11.9% | +58.7% |
| Jul 2024 | Oct 2024 | 12 | 6.9% | +56.5% | +50.3% |
| Average | 20 | — | +10.6% | — |
Frequently Asked Questions
Is SCHW below its 200-week moving average?
No. The Charles Schwab Corporation (SCHW) is currently 23.5% above its 200-week moving average of $73.60. It would need to fall to $73.60 to cross below the line.
What is SCHW's 200-week moving average price?
The Charles Schwab Corporation's 200-week moving average is $73.60 as of 2026-05-15. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when SCHW drops below its 200-week moving average?
SCHW has crossed below its 200-week moving average 24 times in our data. On average, buying at that moment produced a one-year return of +10.6%. These dips have historically been decent entry points. These episodes lasted 20 weeks on average.
Is SCHW a good value right now?
Here's what our data says about SCHW as of 2026-05-15: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 32. Return on equity is 19.1%. Price-to-book is 3.7x. This is not a buy or sell recommendation — always do your own research.
How does SCHW compare to the S&P 500?
Over the past 33.4 years, $100 invested in SCHW would have grown to $13231, compared to $3058 for the S&P 500. That's 15.7% annualized vs 10.8% for the index. SCHW has outperformed the broader market over this period.
Does SCHW pay a dividend?
Yes. The Charles Schwab Corporation currently pays a dividend yield of 141.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-05-15