SCHW
The Charles Schwab Corporation Financial Services - Brokerage Investor Relations →
The Charles Schwab Corporation (SCHW) closed at $107.25 as of 2026-09-11, trading 40.9% above its 200-week moving average of $76.10. The stock is currently moving closer to the line, down from 43.9% last week. With a 14-week RSI of 78, SCHW is in overbought territory.
Trading volume is running at 0.7x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.96 ratio) is neutral — neither side is clearly dominating.
Over the past 1985 weeks of data, SCHW has crossed below its 200-week moving average 25 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 +9.7%.
With a market cap of $185.5 billion, SCHW is a large-cap stock. Return on equity stands at 20.3%, indicating strong profitability. The stock trades at 4.2x 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 33.8 years, a hypothetical investment of $100 in SCHW would have grown to $15630, compared to $3170 for the S&P 500. That represents an annualized return of 16.1% 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.
In the past 12 months, corporate insiders have made 1 open-market purchase totaling $1,849,512.
Free cash flow has been growing at a 100.6% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($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 24 historical episodes, buying SCHW when it crossed below its 200-week moving average produced an average return of +3.4% after 12 months (median -4.0%), compared to +15.9% for the S&P 500 over the same periods. 46% of those episodes were profitable after one year. After 24 months, the average return was +20.6% vs +33.4% 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: 2026-10-15.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $87.41 | Unusually cheap — analysis point |
| Value | +1σ | $92.95 | Cheap vs. own history |
| Fair Value | +0σ | $99.25 | Historical mean behavior |
| Expensive | -1σ | $106.47 | Expensive vs. own history |
| Deep Expensive | -2σ | $114.81 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-21 | $1.55 | $1.62 | +4.5% |
| 2026-04-16 | $1.40 | $1.43 | +2.5% |
| 2026-01-21 | $1.39 | $1.39 | -0.3% |
| 2025-10-16 | $1.25 | $1.31 | +5.2% |
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?"
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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 analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from SCHW's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
SCHW has crossed below its 200-week MA 25 times with an average 1-year return of +9.7% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 1988 | Jan 1989 | 19 | 15.3% | +130.7% | +108762.8% |
| Feb 2001 | Dec 2004 | 199 | 67.7% | -34.9% | +634.2% |
| Jan 2005 | May 2005 | 19 | 10.5% | +40.9% | +1176.7% |
| Oct 2008 | Oct 2008 | 1 | 4.1% | +11.7% | +729.7% |
| Nov 2008 | Nov 2008 | 2 | 2.5% | +11.5% | +710.7% |
| Dec 2008 | Apr 2009 | 18 | 34.7% | +11.9% | +705.9% |
| May 2009 | Jun 2009 | 3 | 4.0% | +1.1% | +690.2% |
| Jun 2009 | Aug 2009 | 5 | 7.6% | -15.8% | +696.3% |
| Aug 2009 | Sep 2009 | 4 | 2.1% | -24.4% | +651.2% |
| Oct 2009 | Nov 2009 | 3 | 5.6% | -15.3% | +642.4% |
| Nov 2009 | Nov 2009 | 1 | 2.2% | -13.9% | +648.3% |
| Dec 2009 | Dec 2009 | 1 | 0.2% | -6.2% | +630.2% |
| Jan 2010 | Feb 2010 | 3 | 3.6% | -1.3% | +625.8% |
| May 2010 | Jan 2011 | 36 | 28.0% | +6.4% | +665.8% |
| Jan 2011 | Feb 2011 | 2 | 1.9% | -33.3% | +635.5% |
| Mar 2011 | Mar 2011 | 2 | 3.0% | -11.2% | +642.8% |
| May 2011 | Dec 2012 | 86 | 36.6% | -24.3% | +637.0% |
| Feb 2016 | Feb 2016 | 1 | 2.7% | +76.6% | +436.8% |
| Jul 2019 | Jul 2019 | 1 | 0.0% | -11.8% | +195.9% |
| Aug 2019 | Sep 2019 | 5 | 9.3% | -6.0% | +220.6% |
| Sep 2019 | Oct 2019 | 3 | 12.1% | +7.5% | +231.4% |
| Feb 2020 | Nov 2020 | 37 | 27.3% | +54.2% | +187.8% |
| Mar 2023 | Jul 2023 | 18 | 16.7% | +21.0% | +100.0% |
| Aug 2023 | Nov 2023 | 15 | 17.2% | +11.9% | +87.8% |
| Jul 2024 | Oct 2024 | 12 | 7.0% | +56.5% | +77.9% |
| Average | 20 | — | +9.7% | — |
Frequently Asked Questions
Is SCHW below its 200-week moving average?
No. The Charles Schwab Corporation (SCHW) is currently 40.9% above its 200-week moving average of $76.10. It would need to fall to $76.10 to cross below the line.
What is SCHW's 200-week moving average price?
The Charles Schwab Corporation's 200-week moving average is $76.10 as of 2026-09-11. 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 25 times in our data. On average, buying at that moment produced a one-year return of +9.7%. 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 2026-09-11: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 78 (overbought). Return on equity is 20.3%. Price-to-book is 4.2x. 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 33.8 years, $100 invested in SCHW would have grown to $15630, compared to $3170 for the S&P 500. That's 16.1% 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 119.00%.
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 2026-09-11