Wells Fargo & Company (WFC)
NYSE: WFC · Real-Time Price · USD
$75.6
-3.07 (-3.9%)· Live
StockMarketAgent Research
Our analysis: WFC rated Hold
Hold. Current valuation fully prices in an optimistic turnaround timeline, offering an unfavorable risk/reward profile until concrete regulatory relief materializes.
Fair value (mid)
$71.5 / share
$48.5 – $90.0
Upside to FV
-8.3%
from $75.6
Confidence
82/100
Moat
6.5/10
Biggest opportunity
Bull: Swift regulatory relief allows WFC to deploy its massive deposit base, driving significant operating leverage and returning ROE to top-tier levels, justifying a 13x forward multiple.
Biggest risk
Permanent Asset Cap
Permanent Asset Cap: The Federal Reserve refuses to lift the asset cap indefinitely due to repeated compliance failures, structurally impairing EPS and forcing WFC into a permanent low-growth state.
Recommended action
Hold
Hold/Reduce. The stock is currently trading above our $71.45 mid-point fair value. Significant downside risk remains if the asset cap persists longer than the market expects.
Position sizing playbook →| Market cap | $238.4B | |
|---|---|---|
| Revenue (ttm) | 81.1B | |
| Net income (ttm) | 20.7B | |
| EPS (ttm) | $6.48 | |
| Shares out | 3.1B | |
| P/E (trailing) | 11.7x | |
| P/E (forward) | 9.9x | |
| Dividend | $1.80 (2.38%) | |
| Volume | 31,055,800 | |
| Beta | 0.96 | |
| Price target | $96.3 | +27.3% |
Market data
Price
Recent price action with selectable time range.
Wells Fargo & CompanyWFC
—Loading chart…
Financial snapshot
- Revenue (ttm)
- 81.1B
- Net income (ttm)
- 20.7B
- EPS (ttm)
- $6.48
- P/E (trailing)
- 11.7x
- P/E (forward)
- 9.9x
- Market cap
- $238.4B
| Item | P1 | P2 | P3 | P4 | P5 | Trend |
|---|---|---|---|---|---|---|
| Period | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Trend |
| Revenue | $79.17B | $74.37B | $82.60B | $82.30B | $83.70B | +1.4% |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $22.11B | $13.68B | $19.14B | $19.72B | $21.34B | -0.9% |
| EPS (diluted) | $4.99 | $3.14 | $4.83 | $5.37 | $6.26 | +5.8% |
| EBITDA | — | — | — | — | — | — |
| R&D | — | — | — | — | — | — |
| SG&A | $36.14B | $35.60B | $37.34B | $37.23B | $37.98B | +1.2% |
Fair-value bridge
- Fair value (low)
- $48.5
- Fair value (mid)
- $71.5
- Fair value (high)
- $90.0
- Current price
- $75.6
- Upside to mid
- -8.3%
Valuation models
| Model | Fair value (mid) | Weight |
|---|---|---|
| Residual income | $77.29 | 40% |
| Forward earnings | $73.93 | 50% |
| Ddm | $35.66 | 10% |
| Reverse DCF | $0.00 | 0% |
| Multi stage moat fade | $131 | 0% |
| Discounted earnings | $131 | 0% |
| FCFF DCF | $0.00 | 0% |
| Owner earnings | $0.00 | 0% |
| Peg adjusted peer | $11.79 | 0% |
Analyst consensus
Recommendation
Buy
Price target
$96.3
+27.3%
In the news
Latest news · WFC
Recent company headlines from major financial publishers.
Valuation
- Market cap
- $238.4B
- P/E (trailing)
- 11.7x
- P/E (forward)
- 9.9x
- P/S
- 2.9x
- P/B
- 1.4x
- PEG
- 0.79
Profitability
- Operating margin
- 31.5%
- ROE
- 12.0%
- ROA
- 1.1%
Trading
- Beta
- 0.96
- Volume
- 31,055,800
- Dividend yield
- 2.4%
Scenarios & expected return
Probability-weighted: -5.1% expected return to fair value
Bull20%
Price target
$90.02
+15.6% from spot
Swift regulatory relief allows WFC to deploy its massive deposit base, driving significant operating leverage and returning ROE to top-tier levels, justifying a 13x forward multiple.
- Asset cap removed by early 2027.
- Efficiency ratio reaches peer parity.
- ROE sustains above 14%.
Base55%
Price target
$71.45
-8.3% from spot
WFC grinds through its turnaround, relying on cost-cutting and buybacks to offset the drag of stranded capital and elevated compliance costs, resulting in a fair value of $71.45.
- Asset cap remains until 2028.
- Steady but slow efficiency gains.
- Terminal PE multiple of 11.5x.
Bear25%
Price target
$48.53
-37.7% from spot
A combination of permanent regulatory constraints and a deteriorating macroeconomic environment destroys EPS growth, trapping WFC as a structurally impaired, low-return asset.
- Asset cap becomes permanent.
- CRE defaults spike.
- Terminal PE multiple contracts to 9x.
Valuation models & bridge
Each model produces an independent fair value. Weighted average = $71.5.
| Model | Weight | FV / share | vs spot | Contribution |
|---|---|---|---|---|
| Residual income | 40% | $77.3 | +2.2% | |
| Forward earnings | 50% | $73.9 | -2.3% | |
| Ddm | 10% | $35.7 | -52.9% | |
| Reverse DCF | 0% | $0.00 | -100.0% | |
| Multi stage moat fade | 0% | $131 | +73.1% | |
| Discounted earnings | 0% | $131 | +72.8% | |
| FCFF DCF | 0% | $0.00 | -100.0% | |
| Owner earnings | 0% | $0.00 | -100.0% | |
| Peg adjusted peer | 0% | $11.8 | -84.4% | |
| Composite FV (weighted) | 100% | $71.5 | -8.3% |
Sensitivity: Ke × terminal growth
| Ke ↓ / g → | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 6.4% | $89.1 | $99.3 | $112 | $129 | $129 |
| 7.4% | $73.9 | $80.8 | $89.1 | $99.3 | $112 |
| 8.4% | $63.2 | $68.1 | $73.9 | $80.8 | $89.1 |
| 9.4% | $55.2 | $58.9 | $63.2 | $68.1 | $73.9 |
| 10.4% | $49.0 | $51.9 | $55.2 | $58.9 | $63.2 |
Scorecard
Factor radar (left) · 9-category weighted composite (right)
Valuation5.0
Management5.3
Balance Sheet5.0
Profitability6.5
Revenue Growth6.0
Risk Assessment6.0
Competitive Moat6.5
Earnings Quality3.5
Capital Efficiency4.0
Weighted composite
5.3/10
Mixed| Category | Weight | Score | Reading |
|---|---|---|---|
| Valuation | 11% | 5.0 | |
| Management | 11% | 5.3 | |
| Balance Sheet | 11% | 5.0 | |
| Profitability | 11% | 6.5 | |
| Revenue Growth | 11% | 6.0 | |
| Risk Assessment | 11% | 6.0 | |
| Competitive Moat | 11% | 6.5 | |
| Earnings Quality | 11% | 3.5 | |
| Capital Efficiency | 11% | 4.0 |
Position sizing & entry playbook
Pre-committed rules, followed irrespective of news flow.
Conviction tier
High
Confidence 82/100
Target weight
Maintain an underweight position due to negative fair value gap.
of equity sleeve
Current / pullbacks
$75.6
Thesis break
Risk to thesis
- Trim exposure if price approaches $90 on premature regulatory optimism.
Calendar
Next earnings
Upcoming earnings date and setup when available.
Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—
Sector percentile context
Refreshed 2026-05-10 22:07 UTC
Forward P/E9.9
P25 n/aP50 n/aP75 n/a
Trailing P/E0
P25 n/aP50 n/aP75 n/a
ROE12
P25 n/aP50 n/aP75 n/a
ROICn/a
P25 n/aP50 n/aP75 n/a
Benchmarks · 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a
All WFC indicators
Market & fundamental data
Available fields
230
Groups with data
11
Currency
USD
Showing 230 of 230 available metrics for this ticker.
Deeper analysis on WFC
14 sections in the full report · jump straight to what you need
Forecast
Bull, base, and bear cases with expected-return framing.
Valuation
Fair-value bridge, DCF, owner earnings, and peer multiples.
Sensitivity
Cost-of-equity and terminal-growth stress table.
Risks
Kill scenarios, soft-pass flags, and downside catalysts.
Earnings
Next earnings setup and beat / inline / miss thresholds.
Position sizing
Entry, exit, conviction, and quarterly monitoring rules.
Financials
Revenue, margins, cash flow, and balance-sheet context.
Peers
Relative valuation and profitability against the cohort.
Moat
Economic-profit evidence and competitive advantage risk.
Industry cycle
Sector phase, capital cycle, and secular tailwinds.
Scorecard
Six-factor overlay and 9-category weighted scorecard.
Recommendation
Final action, action steps, opportunity, and biggest risk.
Perspectives
Growth, value, and income investor reads.
Archive
Prior monthly reports and rating changes.
Frequently asked questions
About this WFC report
What is the current WFC stock rating?
Wells Fargo & Company is currently shown with Hold in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.
Where can I read the full WFC analysis?
The full report lives at /stocks/WFC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.
What fair-value range is used for WFC?
The latest report frames WFC around $49 to $90. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.
How often is the WFC page updated?
The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.
HoldWFC · Fair value $71.5-8.3% · Confidence 82/100