Wells Fargo (WFC) AI Stock Analysis

• Market Cap: $289.39B
• Dividend Yield: 1.84%
• Average Volume (3M): 13.91M
• Price to Earnings (P/E): 15.2
• Beta (1Y): 1.06
• Revenue Growth: -4.37%
• EPS Growth: 26.41%
• Country: US
• Employees: 215,367
• Sector: N/A
• Sector Strength: N/A
• Industry: Banks - Diversified
• EPS (TTM): 1.66
• Shares Outstanding: 3,139,084,500
• 10 Day Avg. Volume: 14,358,867
• 30 Day Avg. Volume: 13,911,974
• PEG Ratio: 1.08
• Price to Book (P/B): 1.34
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 79.29
• Enterprise Value/Market Cap: 2.30
• Enterprise Value/Revenue: 5.44
• Enterprise Value/Gross Profit: 8.43
• Enterprise Value/Ebitda: 22.08
• 1Y Price Target: $96.09
• Price Target Upside: 3.78% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 17
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $104.00 ▲(12.32% Upside)

Wells Fargo's overall stock score is driven by strong earnings call results and technical analysis, indicating positive momentum and strategic growth opportunities. Financial performance shows robust profitability but highlights the need for improved cash flow management. Valuation remains attractive, supporting the stock's potential for future gains.

Wells Fargo Business Overview & Revenue Model

Company Description

Wells Fargo & Company (WFC) is a diversified financial services company headquartered in San Francisco, California. It operates through various segments, including Community Banking, Wholesale Banking, and Wealth & Investment Management. The company offers a wide range of financial products and services, including banking, investment, mortgage, and consumer and commercial finance services. Wells Fargo serves millions of customers, including individuals, small businesses, and large corporations, making it one of the largest banks in the United States.

How the Company Makes Money

Wells Fargo generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees for services. Key revenue streams include interest earned on commercial and consumer loans, residential mortgages, and credit card lending. Additionally, the company earns fees from wealth management services, investment banking, and transaction services. Significant partnerships with various financial institutions and businesses enhance its product offerings and customer reach. Factors contributing to its earnings include the management of interest rates, loan demand, and the overall economic environment.

Wells Fargo Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

Wells Fargo Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 92.59
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WFC, the sentiment is Positive. The current price of 92.59 is above the 20-day moving average (MA) of 88.23, above the 50-day MA of 85.94, and above the 200-day MA of 77.97, indicating a bullish trend. The MACD of 2.09 indicates Negative momentum. The RSI at 69.03 is Neutral, neither overbought nor oversold. The STOCH value of 73.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WFC.

Wells Fargo Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	―	―	―	―	―	―
WFC	80 Outperform	$289.39B	15.19	11.56%	1.84%	-4.37%	26.41%
HSBC	78 Outperform	$255.25B	15.76	8.66%	4.31%	-9.54%	-22.46%
USB	76 Outperform	$83.12B	12.24	11.69%	3.77%	2.91%	33.77%
BAC	72 Outperform	$400.25B	14.94	9.87%	1.98%	0.15%	33.84%
JPM	72 Outperform	$859.01B	15.63	16.35%	1.79%	1.89%	12.32%
C	68 Neutral	$199.11B	15.65	6.88%	2.08%	-0.62%	105.57%

Wells Fargo Corporate Events

Wells Fargo Announces Redemption of Debentures

On December 12, 2025, Wells Fargo announced the redemption of its Floating Rate Junior Subordinated Deferrable Interest Debentures due January 15, 2027, with the optional prepayment date set for January 15, 2026. This redemption will remove a covenant that previously restricted Wells Fargo’s ability to repurchase or redeem its 3.90% Fixed Rate Reset Non-Cumulative Perpetual Class A Preferred Stock, Series BB, potentially impacting the company’s financial flexibility and stakeholder interests.

Wells Fargo Announces Q3 2025 Financial Results

On October 14, 2025, Wells Fargo announced its third-quarter financial results, reporting a net income of $5.6 billion, or $1.66 per diluted share. The company experienced an increase in total revenue to $21.4 billion compared to the previous year. Notable changes included a restructuring of business segments and a significant share repurchase program. Additionally, Charlie Scharf was appointed as Chairman of the Board, with Steven Black named as Lead Independent Director, signaling strategic leadership changes.