Back to rankings

Wells Fargo & Co (WFC)

Fair Value
Financial ServicesBanks - DiversifiedUnited States

Fundamental

60

Price

$82.39

Market Cap

$247.40B

Part 1 · What the company is worth

Overview

Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

Balance Sheet & Liquidity

Revenue

$86.80B

Trailing 12 months (through 6/30/2026)

Net Income

$22.61B

Trailing 12 months (through 6/30/2026)

Free Cash Flow

-

Total Equity

$181.12B

Total Liabilities

$1.97T

Current Ratio

-

Interest Coverage

0.56

Debt/EBITDA

-

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Historical statement

Margins over time

Debt over time

Growth grid

Growth — Revenue

Fair Value Estimation

BankFairly Valued

Fair Value

$81.66

Current Price

$82.39

Margin of Safety

-0.9%

Fair Value Range

$60.98 - $102.35

Spread across the valuation methods used, not a statistically calibrated confidence interval.

Estimation Methods

Analyst price target:$97.27
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$79.81
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$90.87
Dividend discount (Gordon):$37.09
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Last Earnings Surprise:-0.13%

Valuation Metrics

P/E Ratio

11.99

ROE

11.8%

P/B Ratio

1.38

P/FCF

-

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

12.2%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (12)

  • EPS shows upward trend
  • EPS CAGR 5.52%
  • P/B ratio 1.38
  • Operating margin 31.6%
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.8%
  • Earnings surprise, average 2.8%
  • PEG ratio 0.20
  • Earnings quality (operating cash flow / net income) 0.85
  • Share dilution -7.2%
  • Net margin trend 26.0% vs 25.2%

Failed (7)

  • Price CAGR 3.91%
  • Debt/equity ratio
  • Interest coverage
  • Return on tangible assets
  • DCF valuation (Unknown)
  • Revenue growth 5Y -1.7%
  • Piotroski F-Score 2/9

Unavailable (8)

  • ROIC –
  • Gross margin –
  • P/FCF –
  • Dividend payout –
  • Positive free cash flow
  • CapEx intensity
  • Current ratio
  • Debt/EBITDA

Piotroski F-Score

2/9

Serious financial concerns

ROA > 0
Operating cash flow > 0
ΔROA > 0
Cash flow > net income
Leverage ↓
Current ratio ↑
No dilution
Gross margin ↑
Asset turnover ↑

Earnings Quality

0.85

Moderate: some gap between profits and cash

Share Dilution

-7.2%

Buying back shares. Shareholder friendly

Institutional Holdings

Governance

Executive Team

NameTitleAge
Mr. Charles W. ScharfCEO & Chairman60
Mr. Michael P. SantomassimoSenior EVP & CFO50
Mr. Fernando S. RivasSenior EVP & CEO of Corporate & Investment Banking50
Ms. Ellen Reilly Patterson Esq., J.D.Senior EVP & General Counsel51
Mr. Kleber R. SantosSenior EVP, Co-CEO of Consumer Banking & Lending51
Mr. Scott E. PowellSenior EVP & COO63
Ms. Muneera S. CarrChief Accounting Officer, Executive VP & Controller56
Ms. Bridget E. EngleSenior EVP & Head of Technology61
Mr. David OwenChief Administrative Officer & Head of Global Operations-
Mr. John M. CampbellDirector of Investor Relations-

Audit Risk

4

Board Risk

8

Compensation Risk

10

Shareholder Rights Risk

6

Documents

  • Annual Report (10-K)

    A yearly overview of the business, its financial results, and the risks it faces.

    Filed on 2026-02-24

    View document
  • Quarterly Report (10-Q)

    A snapshot of financial performance for the most recent three-month period.

    Filed on 2026-07-28

    View document
  • Current Report (8-K)

    An announcement of a major event, such as a leadership change or big news.

    Filed on 2026-10-13

    View document

via SEC EDGAR

Income History

via SEC EDGAR

Part 2 · The price and its context

This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Market Reaction Profile

How much WFC moves, measured on its daily prices.

VolatilityLow

More volatile than 18% of the tracked stocks (90-day volatility).

Volatility 30d
25.6%
Volatility 90d
24.1%
Beta vs S&P 500 (1y)
0.68Correlation 0.34
Max drawdown (12m)
-23.8%
ATR (14d, % of price)
2.35%

Earnings reactions

How WFC moved around its past quarterly results.

Next earnings release

Jan 14, 2027 · In 82 days · Before the open

EPS estimate: 1.84Revenue estimate: $22.4B

What usually happens

  • Over the last 12 releases the stock moved a median of 5.0% the next day, up or down.
  • Next-day moves: up 3, down 9 (out of 12).
  • Of the 4 releases that beat estimates, the stock fell the next day after 3.

Release history

DateWhen EPS est.EPS actualSurprise Gap 1 day5 days
Oct 13, 2026Before the open1.841.87+1.9% -3.3% -3.1% -1.1%
Jul 14, 2026During the session1.742.00+15.2% -3.2% -2.7% -1.5%
Apr 14, 2026During the session1.601.60+0.1% -4.2% -5.7% -5.4%
Jan 14, 2026During the session1.691.62-4.0% -3.0% -4.6% -8.0%
Oct 14, 2025During the session1.561.66+6.4% +4.6% +7.1% +9.0%
Jul 15, 2025During the sessionn/an/an/a-3.2% -5.5% -3.8%
Apr 11, 2025During the sessionn/an/an/a-2.5% -1.0% +2.5%
Jan 15, 2025During the sessionn/an/an/a+5.9% +6.7% +8.9%
Oct 11, 2024During the sessionn/an/an/a+3.8% +5.6% +11.5%
Jul 12, 2024During the sessionn/an/an/a-6.6% -6.0% -1.5%
Apr 12, 2024During the sessionn/an/an/a-1.3% -0.4% +3.6%
Jan 12, 2024During the sessionn/an/an/a-2.2% -3.3% -1.9%

Release dates from SEC 8-K filings.

Updated 10/24/2026

Historical statistics for educational purposes only. They are not forecasts and not investment advice.

Price reaction to the news

Latest news on WFC and what the price did next.

Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.

Latest News

Recent headlines for WFC.

  • 5d agoNEGATIVE
    Wells Fargo Says Earnings Off to Weak Start as Most Fall Short

    Wells Fargo & Co. has indicated that the US earnings season has commenced on a weak note, with a significant number of companies failing to meet expectations. This cautious outlook from a major financial institution suggests a challenging environment for corporate profitability. Investors should monitor upcoming earnings reports closely for signs of broader economic slowdown or sector-specific headwinds. The commentary from Wells Fargo implies potential downside risk for the broader market as the season unfolds, potentially impacting investor sentiment and leading to portfolio adjustments.

  • 11d agoPOSITIVE
    Wells Fargo CFO on Earnings, Deals, Consumer Strength

    Wells Fargo's Chief Financial Officer, Mike Santomassimo, reported "good activity" across the bank's business segments, including lending and deals. The bank's third-quarter earnings surpassed Wall Street expectations, supported by the resilience of both consumers and businesses. This positive performance, coupled with commentary on steady economic engagement, suggests a robust operational environment for Wells Fargo. Investors may view this as a sign of the bank's ability to navigate current economic conditions effectively, potentially leading to increased confidence in its stock.

  • 11d agoPOSITIVE
    Il calo dei ricavi di Wells Fargo nel Q3 non compromette il caso rialzista

    Wells Fargo's Q3 earnings per share of $1.87 surpassed the $1.85 consensus, indicating operational strength. However, revenue of $21.87 billion fell short of the $22.31 billion expectation, causing a slight dip in stock price on October 13th. Despite the revenue miss, the bank's expanding client relationships, robust fee-generating activities, and improving profitability suggest that the broader growth narrative for Wells Fargo remains intact. Investors focusing on these underlying improvements may find the current stock price an attractive entry point, as the core business fundamentals appear solid.

  • 11d agoPOSITIVE
    Wells Fargo, utili migliori delle attese nel terzo trimestre

    Wells Fargo reported third-quarter net income of $5.95 billion, a 6.5% increase year-over-year, surpassing analyst expectations with earnings per share of $1.87. Total revenue climbed 2% to $21.9 billion. The bank's performance indicates resilience and effective cost management, potentially signaling a positive outlook for its financial services. Investors may view this as a sign of strength in a competitive banking environment, possibly leading to increased confidence in the stock.

  • 28d agoPOSITIVE
    Swift And Wells Fargo Join Linux Foundation Blockchain Group

    Wells Fargo, alongside Swift and 13 other entities, has joined the LF Decentralized Trust, a significant move into open-source blockchain infrastructure development. This collaboration signals a growing commitment from traditional financial institutions to explore and integrate decentralized technologies. The launch of Panarus, a new tokenization project, and CLPR, a cross-ledger protocol research lab, by the organization further underscores the focus on practical applications of blockchain. For Wells Fargo investors, this strategic alliance indicates a proactive approach to innovation in financial services, potentially leading to enhanced efficiency and new product offerings in the digital asset space.

  • 29d agoNEGATIVE
    Polymarket Wagers on Bank Failures Trigger FDIC Concerns

    Polymarket's prediction markets on the potential failure of major US banks, including Wells Fargo, JPMorgan Chase, and Bank of America, are under scrutiny from Washington officials. These wagers, which allow users to bet on specific bank failures, are raising concerns about market stability and potential manipulation. The involvement of these large financial institutions in such speculative bets could lead to increased regulatory oversight and potential fines, impacting investor sentiment and the banks' public image. Investors should monitor regulatory responses and any potential impact on the banks' operations and stock prices.

  • 8/31/2026NEUTRAL
    Wells Fargo Says New Canada Steel Duties ‘For Show’ in Trade War

    Wells Fargo & Co. analyst Timna Tanners has characterized Canada's recent retaliatory tariffs on U.S. steel and aluminum as "for show," suggesting they are largely symbolic. Tanners indicated that the ongoing trade dispute has already rendered American metals prohibitively expensive for Canadian importers. This perspective implies that the new duties are unlikely to significantly alter trade flows or impact the underlying economics of the steel and aluminum markets, offering a nuanced view on the effectiveness of such trade measures.

  • 4/30/2026NEUTRAL
    The David Rubenstein Show: Charlie Scharf

    Wells Fargo CEO Charlie Scharf emphasized the critical importance of the Federal Reserve's independence for the US financial system, despite political commentary on policy. In a discussion on "The David Rubenstein Show," Scharf also addressed the US economic outlook amidst geopolitical tensions with Iran, and explored the evolving landscape of private credit and artificial intelligence. His remarks offer insights into the strategic considerations of a major US bank leader regarding macroeconomic stability and emerging investment themes.

  • 4/14/2026POSITIVE
    Wells Fargo CFO Sees Growth Across Business Lines

    Wells Fargo CFO Mike Santomassimo indicated positive growth across various business lines during the bank's first-quarter earnings report. Speaking on "Bloomberg The Close," Santomassimo highlighted the bank's performance and outlook, suggesting a robust operational environment. The commentary, particularly concerning the private credit market, implies strategic positioning and potential for future revenue streams. This positive outlook from a key executive suggests that investors can anticipate continued financial strength and potential for stock appreciation, reinforcing Wells Fargo's position as a stable financial institution.

  • 4/14/2026NEGATIVE
    Wells Fargo CEO Says Economy Remains Resilient, But Flags Oil Price Impact

    Wells Fargo reported Q1 earnings per share of $1.56, missing analyst estimates of $1.65 by 5.5%. Despite a 6% year-over-year increase in revenue to $21.6 billion, the company's shares declined 4.8% in after-hours trading. The miss, coupled with CEO John Stumpf's comments on the economy's resilience but flagging oil price impacts, suggests potential headwinds. Investors will scrutinize the bank's net interest margin and loan growth figures for further clues on future performance.