Wells Fargo & Company (WFC)
Financials · Diversified Banks · US stock · S&P 500 component
$83.87
▲ +1.12 (1.35%)
Fair valueFair
$82 −2.8% to fair value
$41fair band $49–$114$122
Day's range
$83.04 – $84.72
52-week range
$72.36 – $96.18
About Wells Fargo & Company
Wells Fargo is a large diversified bank holding company in the United States. It offers consumer and small business banking, home lending, credit cards, auto loans, commercial lending, and investment and wealth services. The bank earns money mainly from the interest margin between loans and deposits, plus fees from payments, advisory work, asset management and trading. Its results depend on interest rates, credit quality and regulation of its operations.
Return on invested capital reached 12%. It pays a dividend with a yield of 2.2%. Its X-Ray Score is 60 out of 100. Any one measure gives only a partial picture of the business. These figures describe past results and say nothing certain about the future.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $72.36 – $96.18Volume 32,128,500Daily, split-adjusted
Vitals
Market cap$257.9B
52-week range$72.36 – $96.18
Volume (last day)32,128,500
P/E (TTM)11.7
EBIT / EV yield10.2%
Free-cash-flow yield–
Dividend yield2.2%
Revenue (TTM)$614M
Net income (TTM)$22.6B
Operating margin4,472.8%
Return on capital12.1%
Debt incl. leases$211.4B
Cash & securities$201.5B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$82
Fair
−2.8% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $84
Undervalued < $49Fair $49 – $114Overvalued > $114
Excess-return (bank)
$66
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
54/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield10.2%
Fair value vs price1.0×
Growth
Weak
28/100
Growing slower than most of its sector.
See the numbers →
EPS growth (3y)24.2%
Growth consistency0%
Profitability
Weak
42/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital12.1%
Operating margin4,472.8%
Financial health
Weak
44/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score4 / 9
Net debt / EBITDA0.3×
Interest coverNo interest cost
Dividends
Fair
56/100
Dividend is typical for its sector.
See the numbers →
Dividend yield2.2%
Dividend growth9.2%
Quarterly results: last 6 quarters
-6.0%
Mar '25
-3.3%
Jun '25
-4.2%
Sep '25
-4.7%
Dec '25
-64.4%
Mar '26
-65.4%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $81M, diluted EPS $2.00.
Compare with peers
USB Us Bancorp De60 JPM Jpmorgan Chase & Co51 BAC Bank Of America Corp48 PNC Pnc Financial Services...45Other Diversified Banks companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 4 Average · ● 3 BadCash quality
Earnings backed by cashBad
Risk models
Piotroski F-ScoreBad
Growth
EPS growth (3y)Good
Growth consistencyBad
Balance sheet
Net debt / EBITDAAverage
Interest coverGood
Valuation
Fair value vs priceAverage
EBIT / EV yieldAverage
Profitability
Return on invested capitalAverage
Operating marginGood
Each check is graded against the company's sector, not a fixed number. Checklist score 50/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | – | – | $1.0B | $961M | $917M |
| Operating income | $33.5B | $24.7B | $54.4B | $23.4B | $25.2B |
| Net income | $22.1B | $13.7B | $19.1B | $19.7B | $21.3B |
| Operating cash flow | −$11.5B | $27.0B | $40.4B | $3.0B | −$19.0B |
| Operating margin | – | – | 5,378.7% | 2,431.2% | 2,748.0% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $5.08 | $3.27 | $4.83 | $5.37 | $6.26 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
7 bullish · 2 neutral · 7 bearish
Weekly
Neutral
5 bullish · 1 neutral · 6 bearish
Monthly
Strongly bullish
6 bullish · 1 neutral · 1 bearish
Moving averages (daily)
| SMA 10 | 82.04 | Bullish |
| EMA 10 | 82.29 | Bullish |
| SMA 20 | 81.96 | Bullish |
| EMA 20 | 82.76 | Bullish |
| SMA 50 | 85.20 | Bearish |
| EMA 50 | 84.02 | Bearish |
| SMA 100 | 84.55 | Bearish |
| EMA 100 | 84.04 | Bearish |
| SMA 200 | 83.54 | Bullish |
| EMA 200 | 83.09 | Bullish |
Oscillators (daily)
| RSI (14) | 52.38 | Neutral |
| MACD (12, 26) | -0.83 | Bearish |
| Momentum (12) | 4.77 | Bullish |
| Stochastic %K (14) | 87.22 | Bearish |
| Williams %R (14) | -12.78 | Bearish |
| CCI (20) | 97.95 | Neutral |
Pivot points (classic, last session)
S3 81.35 | S2 82.20 | S1 83.03 | Pivot 83.88 | R1 84.71 | R2 85.56 | R3 86.39 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.85 USD
Yield on today's price
2.21%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 7 Aug 2026 | 0.5000 |
| 8 May 2026 | 0.4500 |
| 6 Feb 2026 | 0.4500 |
| 7 Nov 2025 | 0.4500 |
| 8 Aug 2025 | 0.4500 |
| 9 May 2025 | 0.4000 |
| 7 Feb 2025 | 0.4000 |
| 8 Nov 2024 | 0.4000 |
| 9 Aug 2024 | 0.4000 |
| 9 May 2024 | 0.3500 |
| 1 Feb 2024 | 0.3500 |
| 2 Nov 2023 | 0.3500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
WFC SEC filings
13 Oct 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
24 Sep 2026
8-KSEC EDGAR
Current report
23 Sep 2026
8-KSEC EDGAR
Director or officer change
19 Aug 2026
8-KSEC EDGAR
Current report
28 Jul 2026
10-QSEC EDGAR
Quarterly report
14 Jul 2026
8-KSEC EDGAR
Results of operations; Regulation FD disclosure
20 May 2026
8-KSEC EDGAR
Current report
30 Apr 2026
8-KSEC EDGAR
Director or officer change; Shareholder vote results
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.