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WFC

Wells Fargo & Company
$82.20
+0.49% 2026-10-20
FinancialsS&P 500
-13%-6%+2%+10%+17%Oct 2025Apr 2026Oct 2026
WFCSPY
1W
+1.8%
1M
-4.6%
3M
-5.8%
6M
+2.0%
YTD
-10.4%
1Y
-2.4%

Live chart

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What they do

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.

Financial Services · Banks - Diversified

Grades vs sector

Momentum
22nd pct in sector
D
12-1 return: -5.9%
Percentile within its GICS sector across the S&P 1500.
Growth
12th pct in sector
D-
Revenue growth (YoY): +0.4%
Percentile within its GICS sector across the S&P 1500.
Value
45th pct in sector
C
Forward E/P: 9.6% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.
Profitability
53rd pct in sector
C+
Profit margin: +27.6% · Return on equity: +12.9%
Percentile within its GICS sector across the S&P 1500.
Revisions
Not enough data yet
–
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 5 live models right now.

Quality Growth
not ranked (outside this model's universe or screens)
Momentum Top 15
rank 282 of 499 · 12-1 momentum % 5.3
Momentum Blend
not in the current book
New Highs Growth
not ranked (outside this model's universe or screens)
Conviction 20
not in the current book

News

More news
The November Deadline: Holiday Peak vs. Liability Shift
Forkast News · 1h ago
ETFs Are Net Sellers of Wells Fargo (WFC) on Oct. 19
GuruFocus.com · 6h ago
Belk Secures $1.275 Bln In Credit Facilities From Wells Fargo And Pathlight Capital
Nasdaq · 20h ago
Bank of America (BAC): Is Its Deposit Franchise Getting Stronger as Lending Accelerates?
Insider Monkey · Oct 20
Wells Fargo says S&P 500 buy signal emerges as investors turn excessively bearish
Investing.com · Oct 20

Key stats

Market cap$246.7B
P/E (trailing)11.6
P/E (forward)10.3
52-week range72.78 – 97.76
Revenue growth (YoY, latest qtr)+0.4%
Dividend yield2.45%
Analyst consensusBuy (24)
Mean price target$97.27 (+18%)
Valuation and fundamentals

Valuation & fundamentals

Bottom line
Roughly fairly valued
Model read-out from the numbers below, not advice. Score +0 (DCF counts double).
•DCF (base case)above the price by 1%
•Forward P/E vs sector10.3x vs median 10.2x
▼Piotroski F-score3/9
▲Analyst target+18% (24 analysts)

Discounted cash flow

Bear
$52
-37%
growth -5% · disc. 10.0% · term. 2.0%
Base
$83
+1%
growth -0% · disc. 9.0% · term. 2.5%
Bull
$126
+54%
growth 3% · disc. 8.0% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal
Not meaningful for diversified banks: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2020-09-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.95 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)
sector median 13.0× · 37th pct
11.6×
cheaper
Forward P/E
sector median 10.2× · 53rd pct
10.3×
pricier
EV / EBITDA
sector median 10.9×
–
Price / sales
sector median 2.8× · 58th pct
3.3×
pricier
Price / book
sector median 1.6× · 43rd pct
1.4×
cheaper
FCF yield
sector median 8.2% · 48th pct
7.8%
pricier

Forward EPS $8.01 vs trailing $7.09 (+13% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin
–
Operating margin
–
FCF margin
25.8%
Net margin
30.4%
Return on equity
12.5%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
0.8×
Piotroski F-score 3/9 · last two fiscal years
✓ Positive net income✗ Positive operating cash flow✗ Return on assets improved✗ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

Mean target
$97
+18%
Analysts
24
Buy
Range
$88–$108
low – high
● price · ◆ mean target

Annual history

FYRevenueNet incomeFree cash flow
2019$85.1B––
2018$86.4B––
2017$88.4B––
2016$88.3B––

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR -1.2%.

Earnings

Next report: 2027-01-14 · before open · EPS est 1.87
25-0125-0425-0725-1026-0126-0426-0726-100.002.00
EstimateActual (beat)Actual (miss)
ReportEPS estActualSurprise
2026-10-131.861.87+0.8%
2026-07-141.722.00+16.4%
2026-04-141.601.56-2.7%
2026-01-141.671.62-2.9%
2025-10-141.541.73+12.3%
2025-07-151.401.54+10.2%
2025-04-111.221.28+4.7%
2025-01-151.361.43+5.5%

Quarterly revenue

QuarterRevenueYoY
2026-06-30$22.6B+10.0%
2026-03-31$21.4B–
2025-12-31$21.3B–
2025-09-30$21.4B–
2025-06-30$20.6B–
Analyst actions
Citigroup
2026-10-14 · main
Neutral → Neutral
PT $88
Keefe, Bruyette & Woods
2026-10-14 · main
Market Perform → Market Perform
PT $90
Morgan Stanley
2026-10-14 · main
Overweight → Overweight
PT $101
RBC Capital
2026-10-14 · main
Outperform → Outperform
PT $92
UBS
2026-10-05 · main
Buy → Buy
PT $102
Goldman Sachs
2026-10-05 · main
Buy → Buy
PT $96

Recent dividends

2026-08-07: $0.500 · 2026-05-08: $0.450 · 2026-02-06: $0.450 · 2025-11-07: $0.450 · 2025-08-08: $0.450 · 2025-05-09: $0.400 · 2025-02-07: $0.400 · 2024-11-08: $0.400
Insider trades
None
None · None
SELL
–
None
None · None
SELL
–
None
None · None
SELL
–
None
None · None
SELL
–

Stats refreshed 2026-10-20 18:08:36 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

COTEAU

Coteau Systematic Strategies publishes stock research and model portfolios. It doesn't manage money or give investment advice. Results are hypothetical unless marked Live. Data: Yahoo Finance (delayed) and SEC EDGAR.