Wells Fargo & Company (WFC) AI Stock Analysis

Wells Fargo & Company offers banking, investment, mortgage, and consumer and commercial finance solutions domestically and internationally. It operates through four divisions: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. Consumer Banking and Lending serves individuals and small businesses with deposit accounts, cards, and loan products. Commercial Banking provides credit, leasing, and treasury services to private and public businesses. Corporate and Investment Banking delivers capital markets, lending, and advisory solutions to institutional and corporate clients. Wealth and Investment Management offers financial planning, brokerage, and private banking to affluent and high-net-worth clients.

Wells Fargo grew revenue at a 5-year CAGR of 8.5% from FY2020 to FY2025. Annual revenue reached $125.40B in FY2024 before falling 1.5% to $123.53B in FY2025, when operating margin was 20.4% and net income was $21.34B. Diluted EPS rose to $6.17 in FY2025, up from $5.53 in FY2024 and $4.84 in FY2021. For the trailing twelve months ended September 30, 2026, revenue stood at $83.11B with an operating margin of 34.1%. In the quarter ended September 30, 2026, quarterly revenue growth was 0.4% year-over-year, while quarterly earnings grew 12.7%.

As of September 30, 2026, Wells Fargo held $296.33B in cash and short-term investments and $221.04B in total debt, resulting in net cash of $75.28B. Total assets stood at $2.25T against shareholders' equity of $175.76B, yielding a debt-to-equity ratio of 1.26 and a current ratio of 7.76. In FY2025, operating cash flow and free cash flow were -$19.00B. Capital returns in FY2025 included $19.52B in share buybacks and $6.48B in dividends paid, contributing to a 5-year share count change of -23.0%.

Wells Fargo traded at $83.87 as of October 16, 2026, giving it a market capitalization of $251.75B and an enterprise value of $111.36B. Its trailing P/E of 11.8x and forward P/E of 10.2x compare to medians of 14.2x and 12.6x for its S&P 500 Financial Services peers. The stock's price-to-sales ratio is 3.0x, slightly below the peer median of 3.1x. Over the past 1 year, the stock returned 2.0% compared to a 16.8% return for the S&P 500 (SPY), while its 5-year return of 95.8% exceeded the S&P 500 return of 83.0%.

Wells Fargo pays a quarterly dividend with a forward annual payout of $2.00 per share, representing a dividend yield of 2.38%. Its payout ratio is 21.2%. The company has paid dividends for 55 consecutive years, with an annualized 5-year dividend growth rate of 6.9%. The most recent ex-dividend date was August 7, 2026.

Wall Street coverage consists of 14 Strong Buy, 5 Buy, and 8 Hold ratings, with zero Sell or Strong Sell recommendations. The mean price target is $97.15, which is 15.8% above the last close of $83.87. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $7.34 on revenue of $88.17B. For the following fiscal year, 21 analysts project EPS of $8.06 and revenue of $92.95B. Wells Fargo beat EPS estimates in 2 of the last 4 quarters.

This page is an AI-written research summary of Wells Fargo & Company (WFC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: WFC income statement, WFC balance sheet, WFC key metrics, WFC analyst forecast, WFC chart. See the WFC stock overview for the latest quote and news.