(WFC) Wells Fargo - Overview
Stock: Banking, Lending, Investment, Wealth, Mortgage
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.63% |
| Yield on Cost 5y | 5.89% |
| Yield CAGR 5y | 29.74% |
| Payout Consistency | 95.7% |
| Payout Ratio | 28.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 25.8% |
| Relative Tail Risk | -5.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.59 |
| Alpha | 4.85 |
| Character TTM | |
|---|---|
| Beta | 1.003 |
| Beta Downside | 1.332 |
| Drawdowns 3y | |
|---|---|
| Max DD | 25.30% |
| CAGR/Max DD | 1.15 |
Description: WFC Wells Fargo January 28, 2026
Wells Fargo & Company (NYSE: WFC) is a diversified financial services firm operating in four primary segments: Consumer Banking & Lending, Commercial Banking, Corporate & Investment Banking, and Wealth & Investment Management. The firm offers a broad suite of products-including deposit accounts, credit cards, mortgages, auto and personal loans, treasury services, capital markets solutions, and wealth-management advisory-serving retail customers, small-business owners, corporations, and high-net-worth individuals across the United States and select international markets.
As of the latest Q4 2023 earnings release, Wells Fargo reported a net interest margin (NIM) of **3.12%**, up 6 bps year-over-year, reflecting a higher-for-longer interest-rate environment. Total loans grew **5.4%** YoY to **$1.38 trillion**, driven by strong mortgage and commercial real-estate activity, while deposits rose **7.1%** YoY to **$1.96 trillion**, indicating resilient funding amid competitive rates. The bank’s Common Equity Tier 1 (CET1) capital ratio held at **12.5%**, comfortably above the regulatory minimum, supporting ongoing growth initiatives.
Key economic drivers influencing Wells Fargo’s outlook include the Federal Reserve’s policy stance-current funds rate at **5.25-5.50%**-which underpins NIM expansion but also pressures mortgage demand as housing affordability tightens. Additionally, corporate cash-flow trends and credit-quality metrics in the commercial sector remain pivotal, as a slowdown in business investment could temper loan-growth momentum. The wealth-management franchise is sensitive to equity-market volatility; a 10% equity-index correction historically reduces fee-based revenue by roughly **$300 million** in the subsequent quarter.
For a deeper quantitative assessment, see the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 21.34b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.30 > 1.0 |
| NWC/Revenue: 189.8% < 20% (prev -857.1%; Δ 1047 % < -1%) |
| CFO/TA -0.01 > 3% & CFO -14.22b > Net Income 21.34b |
| Net Debt (153.85b) to EBITDA (29.35b): 5.24 < 3 |
| Current Ratio: 13.79 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.22b) vs 12m ago -4.26% < -2% |
| Gross Margin: 64.80% > 18% (prev 0.62%; Δ 6417 % > 0.5%) |
| Asset Turnover: 6.06% > 50% (prev 6.50%; Δ -0.44% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 29.35b / Interest Expense TTM 39.83b) |
Altman Z'' 1.27
| A: 0.11 (Total Current Assets 252.75b - Total Current Liabilities 18.32b) / Total Assets 2148.63b |
| B: 0.11 (Retained Earnings 228.87b / Total Assets 2148.63b) |
| C: 0.01 (EBIT TTM 25.20b / Avg Total Assets 2039.24b) |
| D: 0.12 (Book Value of Equity 231.34b / Total Liabilities 1965.59b) |
| Altman-Z'' Score: 1.27 = BB |
What is the price of WFC shares?
Over the past week, the price has changed by +4.36%, over one month by -2.03%, over three months by +10.33% and over the past year by +18.50%.
Is WFC a buy, sell or hold?
- StrongBuy: 10
- Buy: 6
- Hold: 8
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WFC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 101.3 | 7.7% |
| Analysts Target Price | 101.3 | 7.7% |
| ValueRay Target Price | 116.2 | 23.7% |
WFC Fundamental Data Overview February 07, 2026
P/E Forward = 13.2979
P/S = 3.6085
P/B = 1.7509
P/EG = 1.9859
Revenue TTM = 123.53b USD
EBIT TTM = 25.20b USD
EBITDA TTM = 29.35b USD
Long Term Debt = 174.71b USD (from longTermDebt, last quarter)
Short Term Debt = 18.32b USD (from shortTermDebt, last quarter)
Debt = 193.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 153.85b USD (from netDebt column, last quarter)
Enterprise Value = 229.11b USD (288.83b + Debt 193.03b - CCE 252.75b)
Interest Coverage Ratio = 0.63 (Ebit TTM 25.20b / Interest Expense TTM 39.83b)
EV/FCF = -16.11x (Enterprise Value 229.11b / FCF TTM -14.22b)
FCF Yield = -6.21% (FCF TTM -14.22b / Enterprise Value 229.11b)
FCF Margin = -11.51% (FCF TTM -14.22b / Revenue TTM 123.53b)
Net Margin = 17.27% (Net Income TTM 21.34b / Revenue TTM 123.53b)
Gross Margin = 64.80% ((Revenue TTM 123.53b - Cost of Revenue TTM 43.49b) / Revenue TTM)
Gross Margin QoQ = 64.45% (prev 65.05%)
Tobins Q-Ratio = 0.11 (Enterprise Value 229.11b / Total Assets 2148.63b)
Interest Expense / Debt = 5.32% (Interest Expense 10.27b / Debt 193.03b)
Taxrate = 16.90% (1.10b / 6.53b)
NOPAT = 20.94b (EBIT 25.20b * (1 - 16.90%))
Current Ratio = 13.79 (Total Current Assets 252.75b / Total Current Liabilities 18.32b)
Debt / Equity = 1.07 (Debt 193.03b / totalStockholderEquity, last quarter 181.12b)
Debt / EBITDA = 5.24 (Net Debt 153.85b / EBITDA 29.35b)
Debt / FCF = -10.82 (negative FCF - burning cash) (Net Debt 153.85b / FCF TTM -14.22b)
Total Stockholder Equity = 181.12b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 21.34b / Total Assets 2148.63b)
RoE = 11.78% (Net Income TTM 21.34b / Total Stockholder Equity 181.12b)
RoCE = 7.08% (EBIT 25.20b / Capital Employed (Equity 181.12b + L.T.Debt 174.71b))
RoIC = 5.69% (NOPAT 20.94b / Invested Capital 368.18b)
WACC = 7.53% (E(288.83b)/V(481.86b) * Re(9.61%) + D(193.03b)/V(481.86b) * Rd(5.32%) * (1-Tc(0.17)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.20%
Fair Price DCF = unknown (Cash Flow -14.22b)
EPS Correlation: 75.64 | EPS CAGR: 17.67% | SUE: -0.78 | # QB: 0
Revenue Correlation: 83.05 | Revenue CAGR: 15.24% | SUE: 2.93 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.57 | Chg30d=+0.015 | Revisions Net=+3 | Analysts=19
EPS current Year (2026-12-31): EPS=7.00 | Chg30d=-0.063 | Revisions Net=-3 | Growth EPS=+11.8% | Growth Revenue=+5.8%
EPS next Year (2027-12-31): EPS=7.96 | Chg30d=-0.029 | Revisions Net=-3 | Growth EPS=+13.8% | Growth Revenue=+4.4%