InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$91.96

2026-10-16

Market Cap

$159.0B

Volume

13.8M

52-Wk High

$114.53

52-Wk Low

$83.96

Trailing PE

15.6

P/S

5.10

Gross Margin

86.9%

Net Margin

34.2%

ROE

28%

ROIC

4%

Piotroski

8/9

Altman Z

113.9

1-Yr Return

-0.3%

5-Yr Return

+171.6%

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.

SectorFinancial ServicesIndustryFinancial - Capital MarketsExchangeNYSEMarket Cap$159.0BEmployees33,000 (SEC-filed)CEORichard Andrew WursterIPO1987-09-22CountryUS

3000 Schwab Way, Westlake, TX 76262 · Tel 817 859 5000 · aboutschwab.com

INSIDERSTREET SCORE70 / 100Street mean $120.18 (22 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALTWO-WAY FLOW$1.8M buys against $209.6M sells / 6 mo

1 Year vs S&P 500 · SCHW -0.3% · S&P 500 +15.9% · spread -16.2pp

7 Years vs S&P 500 · SCHW +171.6% · S&P 500 +189.9% · spread -18.3pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

INSIDERSTREET
SCORE70of 100

Score Breakdown

Profitability	85/100
Growth	72/100
Momentum	72/100
Quality	76/100
Earnings Quality	52/100
Balance Sheet	84/100
Value	61/100
Risk (safety)	100/100
Overall	70.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
GS	13
HOOD	31
MS	24
LPLA	36
TW	82
CRCL	60
SCHW	70

IS Score Trend — quarterly

15 quarters, 23 Q1 to 26 Q3. Peak 70 in 26 Q3, latest 70 — +0 since. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY70 / 100IS Score 70.5 / 100 · +0.0 from peak of 70

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBEARISHTechnical Score 16 / 100 · Power -69 · 1 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 70, price structure 16 out of 100, so the business reads better than the price does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 70.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 60 → 60 → 44 → 70	the direction matters more than the level
Technical vote share back above 50%	now 9%	price structure no longer broken
Institutional holder count rises two quarters running	peak 2,339 → now 2,326	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score4 of 4top 0% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)4 buys2026-09-04

Insider Buys (180d)1$1.85M

ETF Funds (30d)1497 up / 1297 downnet +200 funds

Institutions Added (13F)-13managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 2,339 · latest 2,326 (-13 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	2,326	1450.4M	$129.7B	83.9%
2026 Q1	2,339	1411.6M	$128.0B	81.7%
2025 Q4	2,334	1456.4M	$139.5B	84.3%
2025 Q3	2,175	1458.7M	$133.0B	84.4%
2025 Q2	2,151	1509.2M	$129.4B	87.3%
2025 Q1	2,035	1522.8M	$112.3B	88.1%
2024 Q4	1,995	1497.5M	$104.3B	86.7%
2024 Q3	1,854	1485.2M	$89.5B	86.0%
2024 Q2	1,901	1499.6M	$103.2B	86.8%
2024 Q1	1,887	1496.5M	$102.0B	86.6%
2023 Q4	1,884	1497.0M	$97.3B	86.6%
2023 Q3	1,746	1466.7M	$77.1B	84.9%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Hathi Neesha	MD, Head Wealth Adv, Bnk, Tst	2026-10-01	EXERCISE	5,000	$0.21M	0
Hathi Neesha	MD, Head Wealth Adv, Bnk, Tst	2026-10-01	SELL	5,000	$0.49M	5,770
Hathi Neesha	MD, Head Wealth Adv, Bnk, Tst	2026-10-01	EXERCISE	5,000	$0.21M	13,950
Brown Marianne Catherine	director	2026-10-01	A-Award	407	—	8,700
Ellis Stephen A	director	2026-10-01	A-Award	369	—	13,684
Herringer Frank C	director	2026-10-01	A-Award	445	—	153,637
Ruffel Charles A.	director	2026-10-01	A-Award	1,222	$0.12M	1,222
Ellis Stephen A	director	2026-09-23	EXERCISE	1,918	$0.06M	7,445

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	67	2,046,596	$209.6M	Counted
P — Open-market purchases	1	21,959	$1.8M	Counted
M — Exercises (paired A/D)	27	859,247	$42.4M	None — mechanics
F — Tax withholding	11	140,558	$13.3M	None — compensation
G — Gifts	9	422,956	—	None

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalTwo-Way Flow

Open-Market Sells$209.6M67 txns / 6 mo

Open-Market Buys$1.8M1 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	SELL	$1,001 - $15,000	2026-09-25	2026-10-09
Ro Khanna	House	BUY	$1,001 - $15,000	2026-09-04	2026-10-09
Ro Khanna	House	BUY	$1,001 - $15,000	2026-06-02	2026-07-08
Alan Armstrong	Senate	BUY	$1,001 - $15,000	2026-03-27	2026-07-21
Dan Sullivan	Senate	SELL	$1,001 - $15,000	2023-08-22	2023-09-22
Dan Sullivan	Senate	SELL	$1,001 - $15,000	2023-08-22	2023-09-21

House 12-Mo26 trades12 purchases

Senate 12-Mo1 trades1 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)2,339

13F Shares1.41B81.7% of shares out

New / Closed200 / 155positions, QoQ

Increased / Reduced987 / 874positions, QoQ

Put/Call (13F)0.91option positions

Free Float94.3%1.63B sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	2.9M	$286M
Fort Washington Investment Advisor	2.5M	$247M
Ninety One Uk Ltd	1.0M	$101M
Wealth Enhancement Advisory Servic	760,217	$72M
Ferguson Wellman Capital Managemen	706,350	$69M
Montrusco Bolton Investments Inc.	695,062	$68M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.2%	$5.1B
VSMPX	0.2%	$5.1B
VTI	0.2%	$5.1B
VTSAX	0.2%	$5.1B
VFIAX	0.2%	$4.2B
VOO	0.2%	$4.2B

13F Filers Holding SCHW — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session39.0%2026-10-15

20-Day Avg39.1%50-day 40.4%

TrendFalling20d vs 50d

By Market CenterQ: 39% · N: 46% · B: 34%latest session

Weekly Notional ($B)

Where SCHW Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	9.9M	67 sh
Ubsa Ubs Ats	9.5M	69 sh
Ebxl Level Ats	5.6M	44 sh
Sgmt Sigma X2	5.3M	70 sh
Pure Purestream	5.3M	56 sh
Mstx Ms Trajectory Cross (Ats-1)	4.5M	86 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of The Charles Schwab Corporation revenue goes. All values FY2025 filings, live.

SCHW (live moat model)Peer median: GS · HOOD · MS · LPLA · TW

Component scores from the live moat model. Peer median illustrative.

Moat score 46/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Richard A. Wurster	Chief Executive Officer, President & Director
Michael Verdeschi	MD & Chief Financial Officer
Charles Robert Schwab	Founder & Co-Chairman
Jonathan Craig	MD, Head of Investor Service & Head of Retail Investing

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)6 of 6recent quarters

Avg Surprise+3.2%

Next Report2027-01-20

Income Quality0.77OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+56.9%	+17.4%	+14.4%	+1.9%	+6.4%
Gross profit	+58.4%	+12.1%	-9.3%	+4.1%	+13.3%
Operating income	+79.4%	+21.7%	-32.1%	+20.6%	+77.8%
Net income	+77.5%	+22.7%	-29.5%	+17.3%	+49.0%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	19.0	22.3	25.5	26.0	27.7
Cost of revenue	0.5	1.5	6.7	6.4	5.5
Gross profit	18.5	20.8	18.8	19.6	22.2
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	5.9	6.4	6.7	6.4	0.0
Operating income	7.7	9.4	6.4	7.7	13.7
EBITDA	8.9	10.6	7.7	9.1	15.0
D&A	1.2	1.2	1.3	1.4	1.4
Pretax income	7.7	9.4	6.4	7.7	11.5
Income tax	1.9	2.2	1.3	1.8	2.6
Net income	5.9	7.2	5.1	5.9	8.9
Diluted EPS ($)	2.83	3.50	2.54	2.99	4.66
Diluted shares (M)	1,897	1,894	1,831	1,834	1,777

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$9B

CapEx$1B

Free cash flow$9B

SBC$0B

Buybacks$10B

Net cash change$4B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	40.2	43.3	42.1	0.3
ST investments	147.8	105.9	82.6	0.3
Receivables (net)	71.2	75.4	90.7	107.5
Total current assets	259.3	224.6	215.4	200.8
PP&E (net)	4.6	4.3	3.9	0.0
Goodwill + intangibles	20.7	20.2	19.7	19.2
Total assets	551.8	493.2	479.8	491.0
Accounts payable	97.4	91.4	114.9	142.0
Short-term debt	17.1	33.0	22.7	11.3
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	494.3	414.3	396.7	11.3
Long-term debt	20.8	26.0	22.4	19.9
Total liabilities	515.2	452.2	431.5	441.6
Shareholders' equity	36.6	41.0	48.4	49.4

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	7.2	5.1	5.9	8.9
D&A	1.2	1.3	1.4	1.4
Stock-based compensation	0.4	0.3	0.3	0.3
Working capital change	(8.6)	11.8	(6.2)	(3.0)
Operating cash flow	2.1	19.6	2.7	9.3
Capital expenditures	(1.0)	(0.7)	(0.6)	(0.5)
Investing cash flow	32.0	57.4	35.4	24.5
Buybacks	(3.4)	(2.8)	0.0	(9.8)
Dividends paid	(2.1)	(2.3)	(2.3)	(2.3)
Debt issuance / (repay)	14.1	21.2	(13.9)	(14.2)
Financing cash flow	(68.7)	(61.2)	(47.1)	(29.7)
Free cash flow	1.1	18.9	2.1	8.8

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	10.4%	15.5%	13.1%	13.3%	18.1%	28%
ROA	1.0%	1.2%	1.0%	1.2%	1.8%	259.3%
ROIC	-1.6%	-6.3%	-10.3%	-19.1%	11.0%	3.6%
Gross margin	97.5%	93.1%	73.8%	75.4%	80.3%	86.9%
Operating margin	40.6%	42.1%	25.0%	29.6%	49.4%	44.3%
Net margin	30.8%	32.2%	19.9%	22.9%	32.0%	34.2%
EBITDA margin	46.7%	47.7%	30.2%	35.1%	54.3%	48.7%
FCF margin	6.3%	4.9%	74.0%	7.9%	31.7%	—
VALUATION
P/E	25.86	20.78	24.16	22.59	20.06	15.6
P/B	2.69	4.08	2.99	2.78	3.59	51.2
P/S	7.97	6.69	4.80	5.16	6.42	5.10
P/FCF	125.99	137.47	6.48	65.49	20.26	48.0
EV/EBITDA	-31.30	-0.08	4.18	5.99	16.28	10.5
EV/Revenue	-14.63	-0.04	1.26	2.10	7.54	5.1
Earnings yield	3.9%	4.8%	4.1%	4.4%	5.0%	6.70%
FCF yield	0.8%	0.7%	15.4%	1.5%	4.9%	2.08%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.93	0.52	0.54	0.54	17.83	4.70
Quick ratio	0.93	0.52	0.54	0.54	17.83	4.70
Debt / equity	0.42	1.03	1.44	0.93	0.65	0.14
Debt / assets	3.6%	6.9%	12.0%	9.4%	6.5%	10.2%
Net debt / EBITDA	-48.36	-14.12	-11.69	-8.72	2.44	0.01
Interest coverage	16.24	6.08	0.95	1.20	3.05	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.03	0.04	0.05	0.05	0.06	7.59
Receivables turnover	0.24	0.28	0.36	0.33	0.28	0.2
DSO (days)	1528	1325	1007	1122	1290	1819
DPO (days)	88319	26371	5155	5892	12490	—
Cash conversion cycle	-86791	-25047	-4148	-4770	-11201	1819
GROWTH (YoY)
Revenue growth	56.8%	17.4%	14.4%	1.9%	6.4%	—
Net income growth	77.5%	22.7%	-29.5%	17.3%	49.0%	—
EPS growth	33.9%	24.6%	-27.7%	16.8%	53.9%	—
FCF growth	-80.7%	-9.7%	1639.1%	-89.1%	327.5%	—
PER SHARE ($)
EPS (diluted, TTM)	3.08	3.84	2.77	3.24	4.98	6.16
Book value / share	29.58	19.55	22.41	26.35	27.80	1.79
Revenue / share	9.99	11.91	13.96	14.16	15.57	18.03
FCF / share	0.63	0.58	10.33	1.12	4.93	1.92
Cash / share	238.19	100.39	81.65	67.92	0.36	0.40
SHAREHOLDER RETURN & SCORES
Buyback yield	0.0%	2.3%	2.3%	0.0%	4.1%	6.29%
Altman Z-Score	0.19	-0.16	-0.11	-0.05	0.96	113.9
Piotroski F-Score	4	5	6	7	9	8/9
Beneish M-Score	-2.06	-1.64	-2.57	-2.34	-2.33	-33.48

Model	Score	Zone	Note
Piotroski F-Score	8 / 9	Strong
Altman Z-Score	113.9	Safe (>2.99)	Safe
Income quality	0.77	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-33.48	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.77
Interest burden	1.00
Operating margin	44.3%
Asset turnover	0.13×
Financial leverage	8.94×
= ROE	41%

Growth Quality (live)	Value
Revenue stability	0.93
Earnings stability	0.58
Earnings persistence	0.88
Revenue CAGR 3y	6.9%
EPS CAGR 3y	23.3%
FCF CAGR 3y	—

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Buyback Yield6.29%

Dividend Yield1.34%

Total Shareholder Return7.65%cash yield

SBC / Revenue0.6%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
GS	$256.6B	12.5	17%	17.2%	-6.8%	5/9	+16.7%
HOOD	$88.9B	42.8	24%	42.9%	+38.3%	3/9	-24.8%
MS	$284.8B	14.2	19%	16.2%	+16.7%	7/9	+15.4%
LPLA	$25.3B	25.5	19%	7.3%	+38.8%	4/9	-3.7%
TW	$24.5B	27.0	14%	32.4%	+14.0%	8/9	—
CRCL	$20.9B	43.5	15%	6.9%	+341.5%	8/9	—
UBS	$146.0B	16.1	10%	15.6%	+1.4%	5/9	—
IBKR	$145.3B	31.4	21%	10.6%	+15.8%	6/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

51 Analysts

Str Sell (0)Sell (3)Hold (20)Buy (28)Str Buy (0)

Mean Target (qtr)$120.1822 targets

Target vs. Price+30.7%last-quarter mean

Next Report2027-01-20street $1.77

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$28.17B	$28.32B / $28.04B	$6.46	$6.59 / $6.18	13
FY2027	$32.23B	$33.95B / $30.40B	$7.97	$8.79 / $6.88	17
FY2028	$35.24B	$38.64B / $32.77B	$9.36	$10.53 / $7.86	10

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$115.46	+25.6%	13
Last Quarter	$120.18	+30.7%	22
Last Year	$122.24	+32.9%	49
All Time	$105.00	+14.2%	108

Rolling mean of published targets vs. last close $91.96. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

A-

DCF

4/5

ROE

5/5

ROA

5/5

Debt/Eq

4/5

P/E

2/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

SCHW -0.3% vs S&P 500 +15.9% — spread -16.2pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$97.76	-5.80	-5.93%	Below
SMA 50	$104.41	-12.45	-11.92%	Below
SMA 200	$97.73	-5.77	-5.90%	Below
EMA 9	$95.59	-3.63	-3.80%	Below
EMA 21	$98.19	-6.23	-6.34%	Below
EMA 50	$100.94	-8.98	-8.90%	Below
EMA 200	$97.93	-5.97	-6.10%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBEARISHPower Score -691 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%10

Momentum 25%0

Volume 20%25

Volatility 10%0

Patterns 15%50

This Week9% bullishof 11 price-based votes

4 Weeks Ago18%-9 pts since

12 Weeks Ago82%-73 pts since

ReadDeterioratingweek-over-week trajectory

Price vs SMA 20$97.76

Price vs SMA 50$104.41

Price vs SMA 200$97.73

EMA 9/21 Cross95.6/98.2

SMA 50/200Golden

ADX DirectionADX 33

Supertrend$100

Parabolic SAR$98

SMA Slope-0.660

RSI27.8

Stochastic K/D26/29

StochRSI K/D42/64

Williams %R-93

CCI-177

TSI vs Signal-33.8

CMO-44.3

ROC-4.90%

OBV SignalDistrib

Chaikin MF-0.100

MFI26

Force Index-11M

Elder Ray Bull-3.58

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 29

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$93.52 / $95.67 / $97.17	S1 / S2	$92.02 / $89.87
Bollinger (20,2)	$92.11 – $103.42	Squeeze	Off
52-wk range	$83.71 – $114.53	Off 52-wk high	-19.7%
ATR (14)	$2.29 (2.5%)	Historical vol	28.2%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-2.5%Jan40%

+0.7%Feb35%

-0.1%Mar62%

+2.4%Apr70%

+0.7%May45%

-2.2%Jun40%

+2.0%Jul60%

-1.0%Aug65%

+1.7%Sep60%

+3.0%Oct75%

+6.1%Nov65%

+3.1%Dec70%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	SCHW	S&P 500
Weekly volatility (σ, 1y)	2.99%	1.83%
Best / worst week (1y)	+10.2% / -8.1%	—
Max drawdown (5y, monthly)	-43.1%	—
1-week VaR (95%)	-4.9%	—
Beta (5y)	0.75	1.00

SCHW EQUITY WEATHER (LIVE)STORMY · -46

Trend-52

Momentum-47

Volume-38

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 396 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-46.0-17.1 vs industry

Trend-52.0-16.8 vs industry

Momentum-46.7-21.7 vs industry

Volume-37.6-7.6 vs industry

Reading	SCHW	Financial - Capital Markets n=570	Financial Services n=24,134	All US symbols n=70,435
Overall	-46.0	-29.0	-16.3	-20.5
Trend	-52.0	-35.1	-12.5	-21.3
Momentum	-46.7	-25.0	-4.4	-15.8
Volume	-37.6	-30.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Walter W. Bettinger II President and Chief E	$12.7M	66% equity+incentive
Charles R. Schwab Chairman	$5.5M	63% equity+incentive
Joseph R. Martinetto Chief Financial Officer	$3.6M	59% equity+incentive
James D. McCool Executive Vice President – C	$3.4M	60% equity+incentive
John S. Clendening Executive Vice President	$3.2M	59% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	42
Social	69
Governance	57
Composite ESG	56

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2019-10-15 to 2026-10-15
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	114 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-09-01 to 2026-10-01
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.