WFC

Wells Fargo & Company

Fundamental data last updated:June 7, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Diversified

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/14/2026

Business Summary

Wells Fargo & Company, a diversified financial services company, provides 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 Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment offers a suite of capital markets, banking, and financial products and services to corporate, commercial real estate, government, and institutional clients. Its products and services comprise 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. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

 


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VALUATION

P/E

11.32

Market Cap ($M USD)

$236.74B

Forward P/E

8.54

PEG

0.26

PRICE TO SALES

1.88

PRICE TO BOOK

1.38

EV / EBITDA

16.23

5-Year Average P/E

Free Cash Flow Yield

0.50%

DCF Value

$115.85

Graham Number

$92.91

Price to FCF

200.79

EV to FCF

434.73

Earnings Yield

8.84%

FCF Yield

0.50%

DIVIDEND

Yield

2.33%

Annual Payout

$1.80

Payout Ratio

30.15%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.84

Next Year EPS Growth Estimate

$9.06

Next Year Revenue Growth Estimate

$9.71T

Return on Equity (ROE)

12.04%

FREE CASH FLOW

Operating Margin

20.47%

Debt-to-Equity

2.35

Piotroski F-Score

5

Altman Z-Score

-0.32

Return on Invested Capital (ROIC)

5.98%

Current Ratio

0.34

Quick Ratio

0.34

Net Debt to EBITDA

8.73

Interest Coverage

0.63

Gross Profit margin

64.55%

FCF PER SHARE

$0.37

REVENUE PER SHARE

$39.54

Analyze WFC on TradingView

Gainseekers Quantitative Analysis

Summary

Wells Fargo’s valuation paints a complex picture. The stock has traded below its DCF Value, suggesting potential undervaluation, yet its Altman Z-score is alarmingly negative, indicating financial distress. The Forward P/E ratio is attractively low, hinting at growth expectations, but the Earnings Yield is modest, reflecting limited immediate returns. Despite these mixed signals, the market seems cautious, as evidenced by the “Hold” consensus rating. The company’s financial health is a paradox of opportunity and risk, demanding a nuanced approach from investors.

AI Exposure / Tech Reliance

In the realm of AI and tech adaptation, Wells Fargo operates within the diversified banking sector, which is increasingly leveraging technology for operational efficiency. The company's ability to integrate AI into its risk management and customer service platforms will be crucial. However, as a traditional bank, its agility in adopting cutting-edge tech remains to be fully tested.

The Bull Case

For the value-driven investor, Wells Fargo offers compelling reasons to buy. The ROIC of 5.98% indicates efficient capital use, while the operating margin of 20.47% underscores strong pricing power. Despite a low FCF Yield, the Piotroski F-Score of 5 suggests moderate financial health. These metrics collectively paint a picture of a company with solid fundamentals, poised to capitalize on its operational strengths.

The Bear Case

Yet, the bear case cannot be ignored. The Altman Z-score is deeply negative, signaling potential financial instability. The Price to FCF ratio is exorbitantly high, reflecting poor cash flow generation relative to its market valuation. Additionally, the stock's proximity to its 52-week high suggests technical overextension. These factors raise red flags about the sustainability of its current valuation.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$99.38

Institutional Ownership %

1-Year Beta

0.96

Insider Buying % (6 Mo)

Distance to 52-Week High

26.37%

Distance to 52-Week Low

7.02%

EARNINGS SURPRISE %

-1.27%

50-DAY SMA

$79.10

200-DAY SMA

$84.06

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.