WFC
NEUTRAL
$86.64
Live
Wells Fargo & Company · NYSE
Target $98.71
(+13.9%)
$63.3
52W Range
$97.76
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$267.34B
P/E
13.84
ROE
11.7%
Profit margin
26.7%
Debt/Equity
N/A
Dividend yield
2.11%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
WFC presents a stark contrast between poor deterministic health and strong valuation/growth metrics. The Piotroski F-Score of 2/9 indicates weak financial health, which heavily penalizes the fundamental baseline. However, the stock is trading almost exactly at its Graham Number ($86.56), suggesting it is fairly valued defensively, while its intrinsic value ($166.83) suggests significant long-term upside. Steady earnings growth of 13.1% YoY and a sustainable payout ratio provide a buffer against the bearish insider sentiment and weak health scores.
Key Strengths
Trading at defensive fair value (Graham Number $86.56)
Strong earnings growth (13.1% YoY)
Very sustainable dividend payout ratio (27.16%)
Significant gap between current price and intrinsic value ($166.83)
Strong 1-year price performance (+40.3%)
Key Risks
Critically low Piotroski F-Score (2/9) indicating poor financial health
Bearish insider activity with recent sales by General Counsel and Officers
Technical trend score of 0/100 suggesting a bearish momentum shift
Low dividend yield (2.11%) relative to typical banking sector expectations
Recent quarterly earnings miss (2026-01-14)
AI Fair Value Estimate
Based on comprehensive analysis
$112.5
+29.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
63
Strong
85
70
80
20
60
AI Verdict
Cautiously Optimistic on Value, Concerned on Health
Key drivers: Low P/E ratio, Strong YoY earnings growth, Poor Piotroski F-Score, Bearish insider sentiment
Confidence
85%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 13.84 is low
- Price is aligned with Graham Number
Watchpoints
- PEG ratio of 1.82 is slightly elevated
Future
70/100
Ref Growth rates
Positives
- 13.1% YoY earnings growth
- Consistent history of beating estimates
Watchpoints
- Recent Q/Q EPS growth decline (-6.4%)
Past
80/100
Ref Historical trends
Positives
- Strong 5Y (+131.9%) and 1Y (+40.3%) returns
Watchpoints
- Historical volatility in 2020-2022 earnings
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROA (1.05%)
Watchpoints
- Piotroski F-Score of 2/9 is critically weak
Dividend
60/100
Ref Yield, Payout
Positives
- Low payout ratio (27.16%) ensures safety
Watchpoints
- Low yield (2.11%) compared to sector peers
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$86.64
Analyst Target
$98.71
Upside/Downside
+13.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for WFC and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
WFC
Wells Fargo & Company
Primary
|
+131.9% | +136.1% | +40.3% | +10.9% | +16.9% | +5.8% |
|
GS
The Goldman Sachs Group, Inc.
Peer
|
+208.5% | +198.4% | +89.2% | +20.0% | +10.2% | +5.2% |
|
MS
Morgan Stanley
Peer
|
+146.9% | +106.9% | +44.8% | +4.7% | -1.5% | -0.8% |
|
AXP
American Express Company
Peer
|
+145.1% | +114.8% | +33.3% | -4.9% | +10.6% | +1.2% |
|
HSBC
HSBC Holdings plc
Peer
|
+295.2% | +210.4% | +68.1% | +38.6% | +13.6% | -1.8% |
WFC
Wells Fargo & Company
Primary
5Y
+131.9%
3Y
+136.1%
1Y
+40.3%
6M
+10.9%
1M
+16.9%
1W
+5.8%
GS
The Goldman Sachs Group, Inc.
Peer
5Y
+208.5%
3Y
+198.4%
1Y
+89.2%
6M
+20.0%
1M
+10.2%
1W
+5.2%
MS
Morgan Stanley
Peer
5Y
+146.9%
3Y
+106.9%
1Y
+44.8%
6M
+4.7%
1M
-1.5%
1W
-0.8%
AXP
American Express Company
Peer
5Y
+145.1%
3Y
+114.8%
1Y
+33.3%
6M
-4.9%
1M
+10.6%
1W
+1.2%
HSB
HSBC Holdings plc
Peer
5Y
+295.2%
3Y
+210.4%
1Y
+68.1%
6M
+38.6%
1M
+13.6%
1W
-1.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.84
Forward P/E
10.92
PEG Ratio
1.82
P/B Ratio
1.63
P/S Ratio
3.34
EV/Revenue
3.5
EV/EBITDA
N/A
Market Cap
$267.34B
Profitability
Profit margins and return metrics
Profit Margin
26.66%
Operating Margin
29.94%
Gross Margin
N/A
ROE
11.73%
ROA
1.05%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.0%
Earnings Growth
+13.1%
Q/Q Revenue Growth
+4.49%
Q/Q Earnings Growth
+5.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$145.58
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$21.3B
Net Margin
25.2%
Total Assets
$2148.6B
Liabilities
$1965.6B
Equity
$181.1B
Debt/Equity
10.85x
Operating CF
$4.1B
Free Cash Flow
$4.1B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-14
$N/A
2026-01-14
$1.62
-2.9% surprise
2025-10-14
$1.73
+12.3% surprise
2025-07-15
$1.54
+10.2% surprise
Financial Services Sector Comparison
Comparing WFC against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
13.84
This Stock
vs
36.01
Sector Avg
-61.6%
(Discount)
Return on Equity (ROE)
11.73%
This Stock
vs
-0.73%
Sector Avg
-1701.1%
(Below Avg)
Profit Margin
26.66%
This Stock
vs
91.62%
Sector Avg
-70.9%
(Weaker)
Revenue Growth
5.0%
This Stock
vs
35.27%
Sector Avg
-85.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
WFC
Wells Fargo & Company
|
NEUTRAL | $267.34B | 13.84 | 11.7% | 26.7% | $86.64 | |
|
GS
The Goldman Sachs Group, Inc.
|
NEUTRAL | $269.39B | 17.7 | 13.9% | 28.9% | $907.8 | Compare |
|
MS
Morgan Stanley
|
NEUTRAL | $261.31B | 16.12 | 15.6% | 24.0% | $164.57 | Compare |
|
AXP
American Express Company
|
NEUTRAL | $228.57B | 21.64 | 34.0% | 16.2% | $332.9 | Compare |
|
HSBC
HSBC Holdings plc
|
NEUTRAL | $311.7B | 14.99 | 11.6% | 35.2% | $89.96 | Compare |
WFC
Wells Fargo & Company
NEUTRAL
Mkt Cap
$267.3B
P/E
13.8
ROE
11.7%
Price
$86.64
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-05 | HRANICKY KYLE G | Officer | Stock Award | 58,141 | - |
| 2026-03-05 | SANTOS KLEBER | Officer | Stock Award | 60,914 | - |
| 2026-03-05 | FERCHO KRISTY | Officer | Stock Award | 25,823 | - |
| 2026-03-05 | SANTOMASSIMO MICHAEL P | Chief Financial Officer | Stock Award | 125,481 | - |
| 2026-03-05 | VAN BEURDEN SAUL | Officer | Stock Award | 88,175 | - |
| 2026-03-05 | PATTERSON ELLEN REILLY | General Counsel | Stock Award | 97,258 | - |
| 2026-03-05 | SOMMERS BARRY | Officer | Stock Award | 101,035 | - |
| 2026-03-05 | SCHARF CHARLES W | Chief Executive Officer | Stock Award | 379,767 | - |
| 2026-02-26 | ENGLE BRIDGET E. | Officer | Sale | 30,000 | $2,613,000 |
| 2026-02-26 | PATTERSON ELLEN REILLY | General Counsel | Sale | 60,000 | $5,244,000 |
| 2026-02-19 | VAN BEURDEN SAUL | Officer | Gift | 1,200 | - |
| 2026-02-05 | HRANICKY KYLE G | Officer | Stock Award | 34,829 | - |
| 2026-02-05 | LING BEI | Officer | Stock Award | 33,207 | - |
| 2026-02-05 | ROSENBERG JASON M | Officer | Stock Award | 4,265 | - |
| 2026-02-05 | RIVAS FERNANDO | Officer | Stock Award | 153,161 | - |
HRANICKY KYLE G
Officer
2026-03-05
58,141 shares
SANTOS KLEBER
Officer
2026-03-05
60,914 shares
FERCHO KRISTY
Officer
2026-03-05
25,823 shares
SANTOMASSIMO MICHAEL P
Chief Financial Officer
2026-03-05
125,481 shares
VAN BEURDEN SAUL
Officer
2026-03-05
88,175 shares
PATTERSON ELLEN REILLY
General Counsel
2026-03-05
97,258 shares
SOMMERS BARRY
Officer
2026-03-05
101,035 shares
SCHARF CHARLES W
Chief Executive Officer
2026-03-05
379,767 shares
ENGLE BRIDGET E.
Officer
2026-02-26
30,000 shares
·
$2,613,000
PATTERSON ELLEN REILLY
General Counsel
2026-02-26
60,000 shares
·
$5,244,000
VAN BEURDEN SAUL
Officer
2026-02-19
1,200 shares
HRANICKY KYLE G
Officer
2026-02-05
34,829 shares
LING BEI
Officer
2026-02-05
33,207 shares
ROSENBERG JASON M
Officer
2026-02-05
4,265 shares
RIVAS FERNANDO
Officer
2026-02-05
153,161 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
24 analysts
JP Morgan
2026-04-07
Neutral
Neutral
Evercore ISI Group
2026-04-06
Outperform
Outperform
Morgan Stanley
2026-03-31
Equal-Weight
Equal-Weight
Jefferies
2026-03-26
Buy
Goldman Sachs
2026-03-23
Buy
Buy
Truist Securities
2026-03-17
Buy
Buy
Baird
2026-02-13
Underperform
Neutral
JP Morgan
2026-02-09
Neutral
Neutral
Freedom Broker
2026-01-22
Hold
Buy
TD Cowen
2026-01-15
Hold
Hold
Past News Coverage
Recent headlines mentioning WFC from our newsroom.
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