SURVYR

WFC

Wells Fargo & Company
$82.66
+$0.01 (0.01%)Oct 27 close
FinancialsS&P 500 CompareTechnicals
Model valuationRoughly fairly valuedDCF base $83
1M3M6M1Y2Y
-15%-7%0%+8%+15%Oct 2025Oct 2026Apr 202652w high $97.7652w low $72.78
WFCSPY
Wall St. Highest PT $108.00 (+30.7%) Wall St. Avg PT $97.27 (+17.7%)
$73$84$95$106$117POC $85Hi $108Avg $97
Underwater Drawdown %Max DD -23.0%Current -12.8%
0.0%-23.0%
Relative Strength vs SPY-16.5% vs SPYUnderperforming
+27%0%-27%
1W
+$0.46 (0.56%)
1M
−$0.31 (0.37%)
3M
−$3.71 (4.30%)
6M
+$2.09 (2.59%)
YTD
−$9.03 (9.85%)
1Y
−$2.49 (2.93%)

Chart

Loading live chart…

Ratings & dials

1m · 5m · 15m · 1h · 4h · 1D

Analyst & Morningstar ratings

Consensus · Targets · Morningstar
Wall Street analyst consensus
SellHoldStrong Buy
Buy
24 analysts · mean score 1.78
1 = Strong Buy · 5 = Sell
Wall Street consensus
Analyst price targets
Current price$82.66
Average target$97.27
+$14.61 (+17.7%) upsideaverage target vs current price
CurrentAverageMedian
Low$88.00
Median$97.27
High$108.00
12-month Wall Street target range

Third-party ratings, not SURVYR.'s views.

Key stats & company

Market value$247.4B
P/E (last 12 months)11.6
P/E (next 12 months, estimated)10.3
52-week range$72.78 – $97.76
Revenue growth (latest quarter vs a year ago)+0.4%
Dividend yield2.43%
Analyst consensusBuy (24)
Average analyst price target$97.27 (+18%)

What they do

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.

Financial Services · Banks - Diversified
Valuation and fundamentals

Valuation & fundamentals

Bottom line
Roughly fairly valued
Model read-out from the numbers below, not advice. Score +0 (DCF counts double).
•DCF (base case)above the price by 1%
•Forward P/E vs sector10.3x vs median 10.5x
▼Piotroski F-score3/9
▲Analyst target+18% (24 analysts)

Discounted cash flow

Bear
$52
-37%
growth -5% · disc. 10.0% · term. 2.0%
Base
$83
+1%
growth -0% · disc. 9.0% · term. 2.5%
Bull
$127
+53%
growth 3% · disc. 8.0% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal
Not meaningful for diversified banks: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2020-09-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 0.95 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)
sector median 13.2× · 33rd pct
 11.6×
cheaper
Forward P/E
sector median 10.5× · 47th pct
 10.3×
cheaper
EV / EBITDA
sector median 11.0×
 –
Price / sales
sector median 3.0× · 57th pct
 3.3×
pricier
Price / book
sector median 1.6× · 40th pct
 1.4×
cheaper
FCF yield
sector median 8.0% · 47th pct
 7.7%
pricier

Forward EPS $8.01 vs trailing $7.09 (+13% expected growth). Forward P/E uses analysts' next-12-month estimate.

Quality & financial health

Gross margin
–
Operating margin
–
FCF margin
25.8%
Net margin
30.4%
Return on equity
12.5%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
0.8×
Piotroski F-score 3/9 · last two fiscal years
✓ Positive net income✗ Positive operating cash flow✗ Return on assets improved✗ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✗ Asset turnover improved

Analysts

Mean target
$97
+18%
Analysts
24
Buy
Range
$88–$108
low – high
● price · ◆ mean target

Annual history

FYRevenueNet incomeFree cash flow
2019$85.1B––
2018$86.4B––
2017$88.4B––
2016$88.3B––

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR -1.2%.

For information only · Important disclosures

Grades vs sector

Momentum
22nd percentile in sector
D
12-1 return: -5.9%
Percentile within its GICS sector across the S&P 1500.
Growth
12th percentile in sector
D-
Revenue growth (YoY): +0.4%
Percentile within its GICS sector across the S&P 1500.
Value
45th percentile in sector
C
Forward E/P: 9.6% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.
Profitability
53rd percentile in sector
C+
Profit margin: +27.6% · Return on equity: +12.9%
Percentile within its GICS sector across the S&P 1500.
Revisions
Not enough data yet
–
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Systematic Models

Not held by any of our 7 live models right now.

Quality Growth
Outside this model's universe or screens
 Momentum Top 15
ranked 282 of 499 · 12-month momentum 5.3%
 Momentum Blend
Not in the current book
 New Highs Growth
Outside this model's universe or screens
 SURVYR. Barbell Momentum & T-Bill Shield
Outside this model's universe or screens
 SURVYR. Physical AI Grid & Power
Outside this model's universe or screens
 SURVYR. Long Book
Not in the current book

Earnings & events

WFC earningsNext report in 78 days
Next report
Thu Jan 14, 2027Before the open
EPS consensus$1.87
Revenue consensus–
Last 4 quarters · EPS vs estimate
Oct 13, 2026$1.87est $1.86+0.8%In line with estimates
Jul 14, 2026$2.00est $1.72+16.4%Above estimates
Apr 14, 2026$1.56est $1.60−2.7%Below estimates
Jan 14, 2026$1.62est $1.67−2.9%Below estimates

In line = within 1% of the estimate.

Source: Yahoo Finance · refreshed 2026-10-26 18:36:32 ET
25-0125-0425-0725-1026-0126-0426-0726-100.002.00
EstimateActual (beat)Actual (miss)

News & catalysts

More news
Wells Fargo and Merrill Agree to Pay $4.4 Million Over Small Stock Trades. What Happens When Retirement Investors Pay Too Much to Trade?
24/7 Wall St. · 14h ago
Jim Cramer is Bullish on These 5 Stocks
Insider Monkey · 15h ago
Microsoft Is Paying Workers to Leave So It Can Pay for AI
24/7 Wall St. · 19h ago
Wells Fargo, Arm and Intuit Reject Tokenized Shares on OKX-ICE
CryptoProwl · Oct 23
3 Great Value Stocks To Own In October 2026
Simply Wall St. · Oct 23
Insider trades
None
None · None
Sell
–
None
None · None
Sell
–
None
None · None
Sell
–
None
None · None
Sell
–

Stats refreshed 2026-10-26 18:36:32 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

Morning Brief (8 AM ET) & Market Close (4:30 PM ET), weekdays

Indexes, sectors, biggest movers, rates, top news, SURVYR. model changes and what's ahead. Free, two short emails each weekday.

Editions

Free. Not investment advice. Unsubscribe anytime.

SURVYR

Free to use. No card, no ads, no auto-renew.

Systematic research · Not investment advice · Hypothetical unless marked Live · Data: Yahoo Finance (15-min delayed), SEC EDGAR, House Clerk · Important disclosures · Contact desk@coteau.app

How it worksOur promiseTermsPrivacyData statusSend feedback
Coteau 0.9 · Oct 21, 2026