Wells Fargo & Company (WFC)

NYSE: WFC · USD

$83.8

+1.10 (+1.3%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-09-26

Our latest published analysis: WFC rated Buy

Wells Fargo & Company's published Buy conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$98.9 / share

Potential value

$108 / share

Upside to FV

+19.2%

from $83.8

Moat

6.5/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$248.5B
Revenue (ttm)	83.1B
Net income (ttm)	22B
EPS (ttm)	$7.09
Shares out	3B
P/E (trailing)	11.8x
P/E (forward)	10.3x
Dividend	$2.00 (2.38%)
Volume	11,590,075
Beta	0.95

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 83.1B
Net income (ttm): 22B
EPS (ttm): $7.09
P/E (trailing): 11.8x
P/E (forward): 10.3x
Market cap: $248.5B

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	$83.08B	$83.44B	$77.20B	$125.40B	$123.53B	+10.4%
Gross profit	$83.32B	$72.83B	$77.20B	$77.96B	$80.04B	-1.0%
Operating income	$29.56B	$15.63B	$21.64B	$23.36B	$25.20B	-3.9%
Net income	$22.11B	$13.68B	$19.14B	$19.72B	$21.34B	-0.9%
EPS (diluted)	$5.08	$3.27	$4.83	$5.37	$6.26	+5.4%
EBITDA	$37.45B	$22.46B	$27.91B	$30.92B	$29.35B	-5.9%
R&D	—	—	—	—	$1.32B	—
SG&A	$35.54B	$35.09B	$35.83B	$36.36B	$39.43B	+2.6%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	买入
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	强力买入
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	买入

Base and Bull scenarios

Base55%

Price target

$98.93

+19.2% from spot

Under the base operating path, Wells Fargo maintains disciplined core deposit funding and steady efficiency gains. The base case projects an intrinsic target of $98.93, carrying a likelihood of 55.0% and an expected return of 19.2% relative to $82.97. This path requires net interest income to track guidance, operating margins to hold steady through continued automation, and surplus capital to be consistently redeployed into share repurchases. Disconfirmation would emerge if deposit betas accelerate sharply or if credit provisions rise significantly across commercial lending.

Core deposit franchise sustains funding stability with orderly deposit repricing
Operating margin remains steady as automation and headcount reductions offset non-interest expenses
Surplus capital generation funds ongoing share count reduction

Bull20%

Price target

$108.33

+30.6% from spot

In the bull scenario, intrinsic value advances to Potential value $108.33, representing an upside potential of 30.6% with an assessed likelihood of 20.0%. This expansion requires accelerated market share gains in capital-light corporate advisory and prime equity financing, combined with faster expense reduction from technology integration. The outcome would be disconfirmed if investment banking deal flow softens or if regulatory capital constraints prevent balance sheet optimization in high-return specialty lines.

Capital-light fee revenue accelerates through market share gains in advisory and prime financing
Technology and artificial intelligence initiatives accelerate structural productivity gains
Regulatory flexibility expands balance sheet capacity in high-return commercial sectors

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($98.93). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.0%	2.3%	2.5%	2.8%	3.0%
7.8%	$105	$105	$106	$107	$109
8.3%	$101	$102	$102	$103	$104
8.8%	$97.7	$98.3	$98.9	$99.6	$100
9.3%	$94.7	$95.2	$95.7	$96.3	$96.9
9.8%	$91.9	$92.3	$92.8	$93.3	$93.8

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.3

P25 n/aP50 n/aP75 n/a

Trailing P/E11.9

P25 n/aP50 n/aP75 n/a

ROE12.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All WFC indicators

Market & fundamental data

Available fields

233

Groups with data

Currency

USD

Showing 233 of 233 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000072971
Company name	Wells Fargo & Company
Country	United States
Country code	US
CUSIP number	949746101
Earnings date	2026-10-13
Earnings time	bmo
Employees	194,369
Employees change	-16,452
Employees growth	-7.8%
Enterprise value	$91.8B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1852
In index	SP500
Industry	Banks - Diversified
Is primary listing	Yes
Is SPAC	No
ISIN number	US9497461015
Last 10-K release date	2026-02-24
Last earnings date	2026-10-13
Last refreshed	2026-10-28
Last stock split date	2006-08-14
Last stock split type	Forward
Market cap	$251.4B
Market cap category	Mega-Cap
Next earnings date	2027-01-13
Options	Yes
Price	$83.76
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	WFC
U.S. state	California
Website	https://www.wellsfargo.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	11.81x
Average P/E ratio (10Y)	15.38x
Average P/E ratio (3Y)	12.13x
Average P/E ratio (5Y)	11.23x
Earnings yield	8.46%
EV/Earnings	4.21x
EV/Sales	1.11x
Forward EV/Sales	1x
Forward P/E	10.83x
Forward P/S	2.73x
Graham number	91.8155
Graham upside	9.32%
Industry forward P/E	11.84x
Industry P/E	13.41x
Lynch fair value	$35.44
Lynch upside	-57.8%
P/B ratio	1.56x
P/E ratio	11.82x
P/OCF ratio	13.15x
P/S ratio	3.03x
PEG ratio	0.83x
Price / tangible book value	1.89x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	15.76%
Operating margin	32.94%
Pretax margin	33.27%
Profit margin	27.64%
Profit per employee	$113,068
Profitable quarters	24
Profitable years	35
Revenue per employee	$427,599
ROA	1.08%
ROA (5Y)	1%
ROE	12.91%
ROE (5Y)	10.54%
Tax / revenue	5.24%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	16.75%
EPS growth (Q)	12.65%
EPS growth (QoQ)	-6.5%
EPS growth 10Y	5.81%
EPS growth 3Y	14.68%
EPS growth 5Y	10.97%
EPS growth quarters	7
EPS growth years	3
Net income growth	9.1%
Net income growth (Q)	6.48%
Net income growth (QoQ)	-7.42%
Net income growth 3Y	7.48%
Net income growth 5Y	4.63%
Net income growth quarters	7
Net income growth years	3
OCF growth 10Y	4.38%
OCF growth 3Y	-9.56%
Revenue growth	5.11%
Revenue growth (Q)	0.41%
Revenue growth (QoQ)	-3.99%
Revenue growth 10Y	-0.17%
Revenue growth 3Y	2.54%
Revenue growth 5Y	0.74%
Revenue growth quarters	5
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EPS	$7.09
Financing cash flow	$243B
Gross profit	$83.1B
Income taxes	$4.4B
Investing cash flow	$-253.9B
Net borrowing	$108.9B
Net cash flow	$8.3B
Net income	$22B
Operating income	$27.4B
Revenue	$83.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$52.86
Debt / equity	2.48
Goodwill	$25B
Net cash (debt)	$159.6B
Net cash / market cap	63.31%
Net debt / equity	-0.9
Piotroski F-Score	3
Property, plant and equipment	$11.7B
Shareholders' equity	$177.9B
Tangible book value	$133.7B
Tangible book value per share	$44.54
Total assets	$2.3T
Total cash	$601.2B
Total debt	$441.6B
Total liabilities	$2.1T
WACC	3.45%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.3T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	5.84%
Dividend growth	12.12%
Dividend growth (10Y)	2.05%
Dividend growth (3Y)	13.96%
Dividend growth (5Y)	29.91%
Dividend growth years	4
Dividend payment date	2026-09-01
Dividend payment years	56
Dividend payout frequency	Quarterly
Dividend per share	$2.00
Dividend yield	2.38%
Ex-dividend date	2026-08-07
Last dividend	$0.50
Payout ratio	28.22%
Shareholder yield	8.23%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	80.51%
10Y return CAGR	9.05%
10Y total return	137.72%
150-day SMA	$83.16
15Y price change	209.48%
15Y return CAGR	10.83%
15Y total return	367.7%
1D price change	1.33%
1M price change	0.97%
1M total return	0.97%
1W price change	1.92%
1W total return	1.92%
1Y price change	-3.72%
1Y return CAGR	-1.62%
1Y total return	-1.62%
20-day SMA	$82.10
200-day SMA	$83.66
20Y price change	130.66%
20Y return CAGR	7.12%
20Y total return	295.42%
3M price change	-4%
3M total return	-3.45%
3Y price change	116.14%
3Y return CAGR	32.46%
3Y total return	132.46%
50-day SMA	$84.35
50-day SMA vs 200-day SMA	50over200
52-week high	$97.76
52-week high date	2026-01-05
52-week low	$72.78
52-week low date	2026-05-15
5Y price change	67.38%
5Y return CAGR	13.59%
5Y total return	89.06%
6M price change	3.99%
6M total return	5.19%
All-time high	$97.76
All-time high date	2026-01-05
All-time low	$0.48
All-time low date	1974-10-01
Average true range (ATR)	$1.87
Average volume	15.5M
Beta (1Y)	0.45
Beta (2Y)	1.04
Beta (5Y)	0.95
Change from 52-week high	-14.32%
Change from 52-week low	15.09%
Change from all-time high	-14.31%
Change from all-time low	17,194.59%
Change from open	1.11%
Day's gap	0.22%
Dollar volume	$970.8M
High price	$84.50
Low price	$82.63
Monthly RSI	56.91
Open price	$82.84
Position in 52-week range	60.43%
Premarket change	0.15%
Premarket close	$82.66
Premarket price	$82.78
Premarket volume	1.9K
Previous close	$82.66
Price vs 150-day SMA	0.74%
Price vs 20-day SMA	2.04%
Price vs 200-day SMA	0.14%
Price vs 50-day SMA	-0.69%
Relative volume	0.75
RSI	53.51
Sharpe ratio	-0.09
Sharpe ratio (3Y)	0.98
Sharpe ratio (5Y)	0.44
Sortino ratio	0.08
Sortino ratio (3Y)	1.66
Sortino ratio (5Y)	0.84
Volume	11.6M
Weekly RSI	49.27
YTD price change	-10.11%
YTD total return	-8.63%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	3B
Float percentage	99.72%
Shares change (QoQ)	-0.75%
Shares change (YoY)	-5.84%
Shares held by insiders	0.17%
Shares held by institutions	78.88%
Shares outstanding	3B
Short % of float	0.82%
Short % of shares	0.82%
Short ratio	1.7 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	152

Deeper analysis on WFC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date 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.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this WFC report

What is the latest published WFC stock rating?

Wells Fargo & Company is shown with Buy in the latest published report, analyzed 2026-09-26. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full WFC analysis?

The full latest published report, analyzed 2026-09-26, lives at /stocks/WFC/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for WFC?

The latest published report analyzed 2026-09-26 gives WFC a fair value of USD 99 and a potential value of USD 108. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the WFC page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-26). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

BuyWFC · Fair value $98.9+19.2%

Read full analysis →

Category	Score	Reading
Valuation	7.5
Management	7.5
Balance Sheet	5.0
Profitability	6.5
Revenue Growth	6.0
Risk Assessment	6.0
Competitive Moat	6.5
Earnings Quality	4.5
Capital Efficiency	4.0

Wells Fargo & Company (WFC)

Our latest published analysis: WFC rated Buy

Price

Financial snapshot

Fair-value bridge

Latest news · WFC

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All WFC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on WFC

Frequently asked questions

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