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WFC logo

WFC

Wells Fargo & Company
Financial ServicesBanks - DiversifiedValue
$74.14 · 15min delay
β 0.96

A steady mega-cap business trading near fair value. Frameworks sharply disagree on it.

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52-wk low $71.9052-wk high $97.76

Mkt Cap

$226.88B

P/E

—

PEG

1.34

P/B

1.39

Dividend

2.45%

ROE

12.0%

About the business

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.

Who would buy WFC?

Consensus 24/100 · Mixed · Investors are split.

3 4 8

Endorses

· 3 frameworks
  • Benjamin Graham· Graham Defensive100/100

    P/B < 1.5 1.39× clears "< 1.50×".

  • Fama / French· Pure Value Factor100/100

    P/B < 1.5 1.39× clears "< 1.50×".

  • Dividend Growth School· Dividend Income83/100

    Dividend Yield > 2% 2.5% clears "> 2.0%".

Insider activity · Negative

Insider selling outweighs buying

Strength 45/100

2 insiders sold $7.9M on a discretionary basis. Discretionary selling carries more signal than planned disposals, but insiders sell for many non-thesis reasons (taxes, diversification, life events) — do not over-read it. Over the 6M window, insiders are net buyers by 1,858,499 shares.

In Prism's context

Insider selling on a cheap or stressed name is a more meaningful negative than on a compounder — the people closest to the business are not voting with their wallets. Weigh this against the framework verdict (Fails criteria).

InsiderRoleTypeDateSharesAvg priceValueOwn
PATTERSON ELLEN REILLYGeneral CounselTransactionMar 5, 202697,258——Direct
SOMMERS BARRYOfficerTransactionMar 5, 2026101,035——Direct
HRANICKY KYLE GOfficerTransactionMar 5, 202658,141——Direct
SCHARF CHARLES WChief Executive OfficerTransactionMar 5, 2026379,767——Direct
SANTOS KLEBEROfficerTransactionMar 5, 202660,914——Direct
FERCHO KRISTYOfficerTransactionMar 5, 202625,823——Direct
SANTOMASSIMO MICHAEL PChief Financial OfficerTransactionMar 5, 2026125,481——Direct
VAN BEURDEN SAULOfficerTransactionMar 5, 202688,175——Direct
PATTERSON ELLEN REILLYGeneral CounselOpen-market sellFeb 26, 202660,000$87.40$5.24MDirect
ENGLE BRIDGET E.OfficerOpen-market sellFeb 26, 202630,000$87.10$2.61MDirect
VAN BEURDEN SAULOfficerStock Gift at price 0.00 per share.Feb 19, 20261,200$0.00$0Direct
FLOWERS DEREK AOfficerTransactionFeb 5, 202649,716——Direct
PATTERSON ELLEN REILLYGeneral CounselTransactionFeb 5, 202659,618——Direct
SOMMERS BARRYOfficerTransactionFeb 5, 202657,039——Direct
HRANICKY KYLE GOfficerTransactionFeb 5, 202634,829——Direct
LING BEIOfficerTransactionFeb 5, 202633,207——Direct
ROSENBERG JASON MOfficerTransactionFeb 5, 20264,265——Direct
RIVAS FERNANDOOfficerTransactionFeb 5, 2026153,161——Direct
CARR MUNEERA SOfficerTransactionFeb 5, 202623,503——Direct
SCHARF CHARLES WChief Executive OfficerTransactionFeb 5, 2026128,238——Direct
POWELL SCOTT EChief Operating OfficerTransactionFeb 5, 202661,441——Direct
SANTOS KLEBEROfficerTransactionFeb 5, 202649,047——Direct
ENGLE BRIDGET E.OfficerTransactionFeb 5, 2026115,045——Direct
FERCHO KRISTYOfficerTransactionFeb 5, 202619,231——Direct
SANTOMASSIMO MICHAEL PChief Financial OfficerTransactionFeb 5, 202676,492——Direct
VAN BEURDEN SAULOfficerTransactionFeb 5, 202652,757——Direct
FLOWERS DEREK AOfficerTransactionDec 5, 20253,375——Direct
SOMMERS BARRYOfficerTransactionDec 5, 20253,786——Direct
HRANICKY KYLE GOfficerTransactionDec 5, 2025952——Direct
CARR MUNEERA SOfficerTransactionDec 5, 20252,243——Direct
SCHARF CHARLES WChief Executive OfficerTransactionDec 5, 20253,553——Direct
POWELL SCOTT EChief Operating OfficerTransactionDec 5, 20251,574——Direct
FERCHO KRISTYOfficerTransactionDec 5, 20251,294——Direct
VAN BEURDEN SAULOfficerTransactionDec 5, 20251,412——Direct

Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 0.1% of shares outstanding.

Net 6M: +1,858,499 sh

Price history

—
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Drag across the chart to select a custom period — all analysis below refocuses to that window.

What this means: Price near 52-week lows confirms what most frameworks are already flagging: the market is discounting deteriorating fundamentals.

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AI summaries

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Full framework decision report

See how Lynch, Buffett, Graham, Greenblatt, Fisher and more each score this stock — with every rule, threshold, and reason exposed.

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Peer comparison + AI read-through

See how this stock stacks up against its closest peers on valuation, growth, and returns — with a written peer summary.

What would WFC do to your portfolio?

Add Wells Fargo & Company at a hypothetical weight and Prism recalculates your whole book:

Risk metrics

Sharpe, Sortino, volatility, max drawdown, beta — before and after.

Sector concentration

How much this shifts your top sector weight and overall diversification.

Archetype tilt

Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.

WFC is currently tagged:ValueFails criteria (24/100)

Portfolio analytics are part of the member experience.

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Probabilistic recommendation· rec-v1.0.0-2026-04

Wells Fargo & Company · WFC

WFC: 56% estimated probability of outperforming over the next 12M window. 2 of 5 signal families positive (medium confidence). Strongest support: 22% below fair value. Main risk to monitor: Near 52w lows (9%).

Outperform prob.
56%
vs S&P 500 · 12M
medium confidence
Expected return
+0.4% → +24.4%
mid +12.4% / yr
Downside (p20)
-11.5%
stress -23.0%
Data quality
88/100
Excellent

Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.

Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.

Prism Score

Composite 68/100. Strongest contribution from valuation; weakest from quality.

Composite
68
/ 100
Attractive
Deep valueval.
93/ 100

P/B 1.39×

Margin of safetyval.
82/ 100

22% below fair value

Bull · base · bear scenarios

Three plausible paths over a 5-year horizon.

Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.

Bull
~20%
$123.46
+10.7% / yr (5y)

A turnaround takes hold: margin recovers toward peer averages, revenue stabilises, and the market re-prices the asset value rather than the running earnings.

Drivers
  • • Margin expands by 200–400 bps from 29%
  • • Stranded asset value crystallises
  • • Multiple re-rates one full turn higher
Base
~45%
$94.97
+5.1% / yr (5y)

No deterioration, no surprise re-acceleration. 29% operating margin and 6% top-line growth chug along; the multiple slowly converges to the central fair-value estimate.

Global value comparison

Wells Fargo & Company vs sector medians — GCC, MENA, and Global ex-US.

Sector: Financial Services. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.

MetricWFCGCC medianMENA medianGlobal ex-US
P/E (TTM)—11.2×8.5×11.5×
P/B1.39×1.70×1.20×1.30×
Dividend yield2.45%4.60%4.20%4.00%
ROE12.0%
Earnings reaction explainer

WFC missed by -6.3%.

Miss· -6.3%

Reported EPS $1.60 vs $1.71 expected — a manageable miss. Whether it matters depends on cause: input-cost pressure or one-off charges shrug off; demand softness compounds. Trailing operating margin: 29.4%.

  • Quality investorsNegative

    A miss without a clear one-off cause raises questions about the durability of the margin structure.

  • Growth investorsNegative

    Decelerating growth + a miss is the pattern that resets multiples — even a small miss matters when the prior multiple was full.

  • Value investorsNeutral

    Read the cause carefully — input costs are forgiveable, demand softness is not.

News & events

Next earnings

Tue, Jul 14 · consensus EPS $1.71 · last actual $1.60

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Key Metrics at a Glance

P/E Ratio (TTM)

N/A

PEG Ratio

1.34

P/B Ratio

1.39

EPS Growth

15.1%

Revenue Growth

5.7%

Debt / Equity

N/A

Net Cash / Share

$-2.62

Return on Equity

12.0%

Gross Margin

0.0%

Operating Margin

29.4%

FCF / Share

N/A

Current Ratio

N/A

Rejects

· 3 frameworks
  • Walter Schloss· Schloss Deep Value0/100

    P/B < 1.0 (below book) is 1.39× — fails "< 1.00×".

  • William O'Neil· Momentum / CAN SLIM13/100

    Within 15% of 52-wk high is -24.2% — fails "> -15.0%".

  • Benjamin Graham· Graham Net-Net20/100

    Net Cash Positive (NCAV proxy) is $-2.62 — fails "> $0.00".

See the full rule-by-rule drill-down below
Prism Score
68/100
Medium agreement
Signal families · 2 of 5 signal families positive
Agreement: Medium
  • Valuationpositive

    Trades materially below the fair-value range — historically a tailwind for forward returns.

    22% below fair value
    75
    /100
  • Qualitypositive

    Returns and margins are healthy and consistent.

    ROE 12%Op margin 29%EPS growth 15%
    72
    /100
  • Balance sheetno data

    Balance-sheet detail too thin to evaluate.

  • Momentumnegative

    Price has been weak — momentum is a headwind.

    Near 52w lows (9%)
    40
    /100
  • Behaviouralneutral

    Behavioural read is mixed — some accumulation, some distribution.

    Net insider selling ($7.9M)2 tracked holders · peak 39.5%
    46
    /100
  • Catalysts & eventsneutral

    Mixed catalyst picture.

    EPS miss (-6%)
    44
    /100
Positive drivers
  • • 22% below fair value
  • • ROE 12%
  • • Op margin 29%
  • • EPS growth 15%
Key risks
  • • Near 52w lows (9%)
Suggested diligence questions
  • 1. Is the valuation discount durable, or is the market pricing in deteriorating fundamentals?
Similar historical setups[MOCK DATA]

Among 102 historical setups with similar Prism Score and signal-agreement profiles, 55% beat the benchmark over the next 12 months, with average excess return of +2.6% / yr.

Probabilistic research output — not financial advice.
View full thesis
Quality20%
49/ 100

ROE 12% · Op margin 29%

Balance sheet15%
—/ 100

No balance-sheet data

Insider convictionown.
75/ 100

Net selling — 2 insiders

Superinvestorown.
83/ 100

2 tracked holders · peak 39.5%

Shareholder yield10%
47/ 100

2.45% yield

Momentum5%
27/ 100

9% through 52w range

Growth5%
65/ 100

EPS 15% · Rev 6%

Designed to surface potentially attractive characteristics — descriptive, not prescriptive. For research and educational purposes only.

Customise weights
Drivers
  • • Revenue growth holds near 6%
  • • Operating margin stays around 29%
  • • No major balance-sheet surprises
Bear
~35%
$71.23
-0.8% / yr (5y)

Cyclical earnings prove to be at peak; revenue stalls and the multiple, already low, drifts lower as estimates re-rate down.

Drivers
  • • Operating margin compresses 200–400 bps
  • • Multiple compresses as estimates roll back
  • • Sentiment de-rates the name to a deeper-value multiple
Indicative weights
15.0%
17.0%
12.0%

Editorial dataset · as of 2024-12-31. Sector medians are hand-maintained from public Tadawul / ADX / DFM / QSE / EGX disclosures and indicative Global ex-US references. Live licensed data is on the roadmap. For research and educational purposes only.

What to watch on the next print
  • • Management explanation of cause — one-off vs structural
  • • Analyst-revision direction over the next 1-2 weeks

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    • Institutional Own.

    79.5%

    Insider Own.

    0.1%

    Dividend Yield

    2.45%

    Book Value / Share

    $53.19

    Superinvestor ownership

    Held by 2 tracked superinvestors · peak weight 25.8%

    Grand Portfolio

    • Charlie Munger

      Daily Journal Corporation · Q4 2025

      25.8%

    • Guy Spier

      Aquamarine Capital · Q4 2025

      6.1%

    Weights reflect each investor's latest 13F or factsheet snapshot. Data lags real time by 45+ days.