Wells Fargo & Company (WFC) Fair Value & Analysis
Financial Services · US · Market cap $267B
Wells Fargo & Company
WFC · US
Fair value as of: Jul 11, 2026
From 16 valuation models · updated 27 days ago
Share price +0.5% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 11, 2026.
How to read this chart
60‑month range $33.36 – $95.37 · fair‑value band $67.98 – $113.31 · the $87.59 price screens below the $90.65 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 11, 2026.
Analysis
Wells Fargo & Company (WFC) currently trades at $87.59, while our model-based Fair Value estimate is $90.65, implying the stock looks roughly 3.5% fairly valued today. We read business quality at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Wells Fargo & Company generated revenue of $81.1B at a net margin of 26.7%. Revenue grew 5.7% year over year. It earns a return on equity of 12.0%. Net debt stands at $252B. Fundamentals as of Jul 11, 2026
Our scenario range runs from $67.98 (bear case) to $113.31 (bull case); at $87.59, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 9% below its 52-week high and 24% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 9% fair-value upside, at 3%, WFC screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 16 models by family
Widest divergence: Growth Earnings ($124.27) versus Dividend Discount ($34.39). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 11, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 57
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Wells Fargo to Launch Tokenized Deposits for Corporate and Commercial Clients
- Wells Fargo Financial Advisor Team Managing $1.8 Billion Joins &Partners
Peer Group
Banks - Diversified · 47 stocks
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.
Valuation Multiples vs Banks - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 42/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 11, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $341.10 | $278.99 | -18% |
| Bank of America Corporation BAC | $59.67 | $55.89 | -6% |
| China Construction Bank Corporation 601939 | ¥10.16 | ¥17.20 | +69% |
| Industrial and Commercial Bank of China Limited 601398 | ¥7.50 | ¥13.44 | +79% |
| HSBC Holdings HSBC | $100.52 | $84.67 | -16% |
| Agricultural Bank of China Limited 601288 | ¥6.37 | ¥11.85 | +86% |
| Royal Bank of Canada RY | C$305.74 | C$190.48 | -38% |
| Bank of China Limited 601988 | ¥5.88 | ¥9.80 | +67% |
| Banco Santander, S.A SAN | 51.02 PLN | 55.60 PLN | +9% |
| UBS Group UBSN | 939.75 MXN | 534.84 MXN | -43% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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