Wells Fargo & Company (WFC) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Wells Fargo & Company stock $66.59, price $84.80, that is 21.5% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Wells Fargo & Company
WFC · USOur calculation puts a fair price 21% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $33.17 – $94.83 · fair‑value band $56.44 – $92.78 · the $84.80 price screens above the $66.59 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.
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Company profile
Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally.
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It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management.
The company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services.
It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management.
In addition, it offers a suite of capital markets, banking, and financial products and services, such as 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 to corporate, commercial real estate, government, and institutional clients.
Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.
Stock analysis
Wells Fargo & Company (WFC) currently trades at $84.80, while our model-based Fair Value estimate is $66.59, 21% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $69.88 per share, and 1 of the 6 models we run sit above the $84.80 price.
Bear case: the Asset-Based group reads lowest at $33.44, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $56.44 (bear) to $92.78 (bull), the price of $84.80 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Wells Fargo & Company reported revenue of $124B in FY2025 versus $83.1B in FY2021, a compound +10.4%/yr. Reported net income was $21.3B in FY2025, compounding −0.9%/yr from FY2021.
Key figures
Market cap $261B Mega · P/E ratio 12.3 · P/S ratio 3.14 · EPS (TTM) $6.92 · Dividend yield 2.2% · Net margin 27.6% · Return on equity 12.9% · Return on assets (EBIT) 1.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (medium confidence).
What moves the price
The share trades about 11% below its 52-week high and 16% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −21%, WFC screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- SaleBridget E. EngleSr. Executive Vice President30,000 shares at $87.10$2.6MFeb 26, 2026
- SaleEllen R PattersonSr. EVP and General Counsel60,000 shares at $87.40$5.2MFeb 26, 2026
- SaleKleber SantosSr. Executive Vice President25,000 shares at $87.72$2.2MFeb 20, 2026
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
WFC screens overvalued: fair value 21% below the price. Compare with JPMorgan Chase & Co →
Recent news
- Wells Fargo (WFC) Q3 Earnings Beat Meets A Tighter Margin Picture
- Wells Fargo Increases Advisor Compensation Hurdle for First Time Since 2022
- Wells Fargo to Present at the BancAnalysts Association of Boston Conference
Compare Wells Fargo & Company with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 46 stocks
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Agricultural Bank of China Limited 601288 | ¥7.25 | ¥9.14 | +26% | vs WFC |
| Industrial and Commercial Bank of China Limited 601398 | ¥8.35 | ¥10.52 | +26% | vs WFC |
| Bank of China Limited 601988 | ¥6.77 | ¥7.73 | +14% | vs WFC |
| China Construction Bank Corporation 601939 | ¥11.91 | ¥13.33 | +12% | vs WFC |
| Bank of America Corporation BAC | $49.76 | $42.16 | −15% | vs WFC |
| Citigroup Inc C | $118.45 | $96.55 | −18% | vs WFC |
| Mitsubishi UFJ Financial Group MUFG | $21.14 | $14.73 | −30% | vs WFC |
| Royal Bank of Canada RY | $203.76 | $132.82 | −35% | vs WFC |
| The Toronto-Dominion Bank, TD | $123.09 | $77.39 | −37% | vs WFC |
| JPMorgan Chase & Co JPM | $337.34 | $187.04 | −45% | vs WFC |
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Key figures of Wells Fargo & Company
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