(WFC) Wells Fargo - Overview

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9497461015

Stock: Banking, Lending, Investment, Wealth, Mortgage

Total Rating 45
Risk 80
Buy Signal -0.46

EPS (Earnings per Share)

EPS (Earnings per Share) of WFC over the last years for every Quarter: "2020-12": 0.64, "2021-03": 1.03, "2021-06": 1.37, "2021-09": 1.17, "2021-12": 1.25, "2022-03": 0.88, "2022-06": 0.74, "2022-09": 1.3, "2022-12": 1.45, "2023-03": 1.23, "2023-06": 1.25, "2023-09": 1.48, "2023-12": 1.29, "2024-03": 1.26, "2024-06": 1.34, "2024-09": 1.51, "2024-12": 1.48, "2025-03": 1.39, "2025-06": 1.6, "2025-09": 1.73, "2025-12": 1.62,

Revenue

Revenue of WFC over the last years for every Quarter: 2020-12: 19279, 2021-03: 19770, 2021-06: 21163, 2021-09: 19759, 2021-12: 21715, 2022-03: 18688, 2022-06: 18398, 2022-09: 21962, 2022-12: 24020, 2023-03: 26749, 2023-06: 28200, 2023-09: 29845, 2023-12: 30546, 2024-03: 31476, 2024-06: 31650, 2024-09: 31674, 2024-12: 30597, 2025-03: 29627, 2025-06: 30181, 2025-09: 31905, 2025-12: 31816,

Dividends

Dividend Yield 2.15%
Yield on Cost 5y 7.20%
Yield CAGR 5y 29.74%
Payout Consistency 95.7%
Payout Ratio 22.4%
Risk 5d forecast
Volatility 26.1%
Relative Tail Risk -5.58%
Reward TTM
Sharpe Ratio 0.56
Alpha 4.37
Character TTM
Beta 1.000
Beta Downside 1.332
Drawdowns 3y
Max DD 25.30%
CAGR/Max DD 1.10

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?

As of February 07, 2026, the stock is trading at USD 92.01 with a total of 12,602,302 shares traded.
Over the past week, the price has changed by +1.51%, over one month by -4.53%, over three months by +6.38% and over the past year by +17.44%.

Is WFC a buy, sell or hold?

Wells Fargo has received a consensus analysts rating of 4.08. Therefore, it is recommended to buy WFC.
  • 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 101.2 10%
Analysts Target Price 101.2 10%
ValueRay Target Price 113.5 23.3%

WFC Fundamental Data Overview January 31, 2026

P/E Trailing = 14.4473
P/E Forward = 12.9534
P/S = 3.5489
P/B = 1.7039
P/EG = 1.9326
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 = 224.18b USD (283.90b + Debt 193.03b - CCE 252.75b)
Interest Coverage Ratio = 0.63 (Ebit TTM 25.20b / Interest Expense TTM 39.83b)
EV/FCF = -15.77x (Enterprise Value 224.18b / FCF TTM -14.22b)
FCF Yield = -6.34% (FCF TTM -14.22b / Enterprise Value 224.18b)
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 = 0.10 (Enterprise Value 224.18b / 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 = 7.50% (E(283.90b)/V(476.93b) * Re(9.60%) + D(193.03b)/V(476.93b) * Rd(5.32%) * (1-Tc(0.17)))
Discount Rate = 9.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.20%
Fair Price DCF = unknown (Cash Flow -14.22b)
EPS Correlation: 76.84 | EPS CAGR: 17.67% | SUE: -0.94 | # 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=+0.013 | Revisions Net=+3 | Analysts=19
EPS current Year (2026-12-31): EPS=6.99 | Chg30d=-0.063 | Revisions Net=-3 | Growth EPS=+11.7% | Growth Revenue=+5.9%
EPS next Year (2027-12-31): EPS=7.95 | Chg30d=-0.025 | Revisions Net=-3 | Growth EPS=+13.7% | Growth Revenue=+4.3%

Additional Sources for WFC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle