Is WFC a good stock to buy right now?

Based on our 6-factor quantitative model, WELLS FARGO & COMPANY/MN (WFC) receives a "Reduce" rating with a composite score of 40.0/100. It is ranked #3,352 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 65/100, Momentum 44/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for WFC?

WELLS FARGO & COMPANY/MN (WFC) has a "Reduce" rating and 2-star score. The composite score of 40.0 ranks it #3,352 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is WFC in?

WELLS FARGO & COMPANY/MN operates in the Financials sector (Banking industry) with a market cap of $247.75 billion. It is classified as a mega-cap stock.

Does WFC pay a dividend?

Yes, WFC pays a dividend with a current yield of 1.97%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $19.70 in annual dividend income.

What is WFC's P/E ratio?

WFC has a trailing P/E ratio of 11.91x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is WFC?

WFC's quality factor score is 10/100. Gross margin: 0.0%. ROE: 11.5% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is WFC valued compared to peers?

WFC's value factor score is 65/100 (higher = cheaper). Key multiples: P/E 11.9x, EV/EBITDA 17.1x. The stock appears attractively valued versus peers.

What is WFC's debt level?

WFC's debt-to-equity ratio is 95%. Sector average: 121%. Moderate leverage is normal for established companies.

WFC has a beta of 1.00, meaning it tracks the market. Stability score: 75/100.

Does WFC have high short interest?

WFC's short interest factor score is 57/100 (higher = less short selling). Moderate short interest.

WFC Stock Analysis: Reduce (Score 40.0/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
WFC	-0.72%	+5.96%	+9.07%	-8.37%	+35.32%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.65%	+2.35%	+8.73%	-8.01%	+5.79%	-	-	-
Alpha vs Sector	+0.37%	+3.45%	+7.65%	-1.07%	+24.73%	-	-	-

Metric	WFC	Benchmark
P/E Ratio	11.9x	-20%
EV/EBITDA	17.1x	+425%
Price / Book	1.4x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	9.2x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	11.0x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.8x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	10.0x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.9x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	13.0x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.4x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	10.0x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	13.2x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
WFC WELLS FARGO & COMPANY/MN	40	10	65	44	11.9x	11.5%	0.0%	25.5%	3.6%	95.0x	$247.7B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.6%	0.6%	0.6%	0.6%	0.5%
Operating Margin %	0.3%	0.3%	0.3%	0.3%	0.2%	0.4%	0.4%	0.4%	0.4%	0.5%	0.5%
EBITDA Margin %	0.3%	0.3%	0.3%	0.3%	0.2%	0.4%	0.1%	0.4%	0.4%	0.4%	0.4%
Net Margin %	0.3%	0.3%	0.2%	0.2%	0.2%	0.3%	0.0%	0.2%	0.3%	0.3%	0.2%
FCF Margin %	-129.2%	-	-	-	-	-	92.2%	46.9%	21.8%	45.3%	-44.6%
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.1%	5.6%	5.2%	4.3%	3.3%	6.5%	6.0%	6.0%	5.6%	6.0%	6.0%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.6%

0.5%

Operating Margin %

0.3%

0.2%

0.4%

0.5%

EBITDA Margin %

0.3%

0.2%

0.4%

0.1%

0.4%

Net Margin %

0.3%

0.2%

0.3%

0.0%

0.2%

0.3%

0.2%

FCF Margin %

-129.2%

92.2%

46.9%

21.8%

45.3%

-44.6%

ROE %

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

0.1%

5.6%

5.2%

4.3%

3.3%

6.5%

6.0%

5.6%

6.0%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$82.8B	$83.7B	$82.3B	$82.6B	$73.8B	$78.5B	$72.3B	$85.1B	$86.4B	$84.8B	$88.3B	$86.1B
	—	—	—	—	—	—	$39.8B	$47.2B	$50.0B	$49.6B	$47.8B	$45.3B
Gross Margin	0.0%	---	---	---	---	---	55.1%	55.5%	57.9%	58.4%	54.1%	52.6%
	—	$1.7B	$1.4B	$1.3B	$1.2B	$1.4B	$8.2B	$6.6B	$5.6B	$5.4B	$5.0B	$3.3B
Total Operating Expenses	—	$58.5B	$58.9B	$61.0B	$58.8B	$49.7B	—	—	—	—	—	—
	$24.9B	$25.2B	$23.4B	$21.6B	$15.0B	$28.8B	$32.5B	$37.8B	$36.4B	$38.8B	$40.5B	$40.8B
EBIT	$24.9B	$25.2B	$23.4B	$21.6B	$15.0B	$28.8B	$32.5B	$37.8B	$36.4B	$38.8B	$40.5B	$40.8B
EBITDA	$24.9B	$26.9B	$24.8B	$22.9B	$16.2B	$30.2B	$10.7B	$32.5B	$34.1B	$32.8B	$37.1B	$36.9B
Operating Margin	30.0%	30.1%	28.4%	26.2%	20.3%	36.7%	44.9%	44.5%	42.1%	45.8%	45.9%	47.4%
EBITDA Margin	30.1%	32.1%	30.1%	27.8%	21.9%	38.5%	14.8%	38.3%	39.5%	38.6%	42.0%	42.9%
	—	—	—	$32.7B	$9.1B	$3.9B	$8.0B	$18.9B	$14.7B	$9.4B	$5.9B	$4.0B
	—	$25.2B	$23.4B	$21.6B	$15.0B	$28.8B	—	—	—	—	—	—
Income Tax Expense	—	$3.8B	$3.4B	$2.6B	$2.1B	$5.6B	-$3.0B	$4.2B	$5.7B	$4.9B	$10.1B	$10.4B
	$21.1B	$21.4B	$20.0B	$19.0B	$12.9B	$23.2B	$3.6B	$20.0B	$22.9B	$22.2B	$21.9B	$22.9B
Net Margin	25.5%	25.5%	24.3%	23.0%	17.5%	29.6%	4.5%	23.3%	26.5%	25.4%	24.9%	26.6%
	$6.34	$6.34	$5.43	$4.88	$3.17	$4.99	$0.42	$4.08	$4.31	$4.14	$4.03	$4.18
Diluted EPS	$6.34	$6.26	$5.37	$4.83	$3.14	$4.95	$0.42	$4.08	$4.31	$4.14	$4.03	$4.18
Weighted Avg Basic	—	3.2B	3.4B	3.7B	3.8B	4.1B	—	—	—	—	—	—
Weighted Avg Diluted	—	3.2B	3.5B	3.7B	3.8B	4.1B	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$82.8B

$83.7B

$82.3B

$82.6B

$73.8B

$78.5B

$72.3B

$85.1B

$86.4B

$84.8B

$88.3B

$86.1B

—

$39.8B

$47.2B

$50.0B

$49.6B

$47.8B

$45.3B

Gross Margin

0.0%

---

55.1%

55.5%

57.9%

58.4%

54.1%

52.6%

—

$1.7B

$1.4B

$1.3B

$1.2B

$1.4B

$8.2B

$6.6B

$5.6B

$5.4B

$5.0B

$3.3B

Total Operating Expenses

—

$58.5B

$58.9B

$61.0B

$58.8B

$49.7B

—

$24.9B

$25.2B

$23.4B

$21.6B

$15.0B

$28.8B

$32.5B

$37.8B

$36.4B

$38.8B

$40.5B

$40.8B

EBIT

$24.9B

$25.2B

$23.4B

$21.6B

$15.0B

$28.8B

$32.5B

$37.8B

$36.4B

$38.8B

$40.5B

$40.8B

EBITDA

$24.9B

$26.9B

$24.8B

$22.9B

$16.2B

$30.2B

$10.7B

$32.5B

$34.1B

$32.8B

$37.1B

$36.9B

Operating Margin

30.0%

30.1%

28.4%

26.2%

20.3%

36.7%

44.9%

44.5%

42.1%

45.8%

45.9%

47.4%

EBITDA Margin

30.1%

32.1%

30.1%

27.8%

21.9%

38.5%

14.8%

38.3%

39.5%

38.6%

42.0%

42.9%

—

$32.7B

$9.1B

$3.9B

$8.0B

$18.9B

$14.7B

$9.4B

$5.9B

$4.0B

—

$25.2B

$23.4B

$21.6B

$15.0B

$28.8B

—

Income Tax Expense

—

$3.8B

$3.4B

$2.6B

$2.1B

$5.6B

-$3.0B

$4.2B

$5.7B

$4.9B

$10.1B

$10.4B

$21.1B

$21.4B

$20.0B

$19.0B

$12.9B

$23.2B

$3.6B

$20.0B

$22.9B

$22.2B

$21.9B

$22.9B

Net Margin

25.5%

24.3%

23.0%

17.5%

29.6%

4.5%

23.3%

26.5%

25.4%

24.9%

26.6%

$6.34

$5.43

$4.88

$3.17

$4.99

$0.42

$4.08

$4.31

$4.14

$4.03

$4.18

Diluted EPS

$6.34

$6.26

$5.37

$4.83

$3.14

$4.95

$0.42

$4.08

$4.31

$4.14

$4.03

$4.18

Weighted Avg Basic

—

3.2B

3.4B

3.7B

3.8B

4.1B

—

Weighted Avg Diluted

—

3.2B

3.5B

3.7B

3.8B

4.1B

—

WELLS FARGO & COMPANY/MN (WFC) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does WELLS FARGO & COMPANY/MN Do?

Wells Fargo & Company, a diversified financial services company, provides 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 Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment offers a suite of capital markets, banking, and financial products and services to corporate, commercial real estate, government, and institutional clients. Its products and services comprise 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. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California. WELLS FARGO & COMPANY/MN (WFC) is classified as a mega-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Charles W. Scharf and employs approximately 238,000 people, headquartered in San Francisco, California. With a market capitalization of $247.7B, WFC is one of the largest companies in the Financials sector.

WELLS FARGO & COMPANY/MN (WFC) Stock Rating — Reduce (April 2026)

As of April 2026, WELLS FARGO & COMPANY/MN receives a Reduce rating with a composite score of 40.0/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.WFC ranks #3,352 out of 4,446 stocks in our coverage universe. Within the Financials sector, WELLS FARGO & COMPANY/MN ranks #765 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

WFC Stock Price and 52-Week Range

WELLS FARGO & COMPANY/MN (WFC) currently trades at $85.40. The stock lost $0.62 (0.7%) in the most recent trading session. The 52-week high for WFC is $97.76, which means the stock is currently trading -12.6% from its annual peak. The 52-week low is $58.42, putting the stock 46.2% above its annual trough. Recent trading volume was 7.9M shares, reflecting moderate market activity.

Is WFC Overvalued or Undervalued? — Valuation Analysis

WELLS FARGO & COMPANY/MN (WFC) carries a value factor score of 65/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 11.91x, compared to the Financials sector average of 14.88x — a discount of 20%. The price-to-book ratio stands at 1.37x, versus the sector average of 1.22x. The price-to-sales ratio is 3.04x, compared to 0.90x for the average Financials stock. On an enterprise value basis, WFC trades at 17.11x EV/EBITDA, versus 3.26x for the sector.

Overall, WFC's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

WELLS FARGO & COMPANY/MN Profitability — ROE, Margins, and Quality Score

WELLS FARGO & COMPANY/MN (WFC) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 11.5%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

On a margin basis, WELLS FARGO & COMPANY/MN reports gross margins of 0.0%. The operating margin is 30.0% (sector: 21.8%). Net profit margin stands at 25.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 3.6% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

WFC Debt, Balance Sheet, and Financial Health

WELLS FARGO & COMPANY/MN has a debt-to-equity ratio of 95.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.09x, suggesting adequate working capital coverage. Total debt on the balance sheet is $174.71B. Cash and equivalents stand at $34.80B.

WFC has a beta of 1.00, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for WELLS FARGO & COMPANY/MN is 75/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

WELLS FARGO & COMPANY/MN Revenue and Earnings History — Quarterly Trend

In TTM 2026, WELLS FARGO & COMPANY/MN reported revenue of $82.77B and earnings per share (EPS) of $6.34. Net income for the quarter was $21.11B. Gross margin was 0.0%. Operating income came in at $24.91B.

In FY 2025, WELLS FARGO & COMPANY/MN reported revenue of $83.70B and earnings per share (EPS) of $6.34. Net income for the quarter was $21.36B. Revenue grew 1.7% year-over-year compared to FY 2024. Operating income came in at $25.20B.

In Q3 2025, WELLS FARGO & COMPANY/MN reported revenue of $21.44B and earnings per share (EPS) of $1.68. Net income for the quarter was $5.61B. Revenue grew 5.3% year-over-year compared to Q3 2024. Operating income came in at $6.91B.

In Q2 2025, WELLS FARGO & COMPANY/MN reported revenue of $20.82B and earnings per share (EPS) of $1.61. Net income for the quarter was $5.52B. Revenue grew 0.6% year-over-year compared to Q2 2024. Operating income came in at $6.44B.

Over the past 8 quarters, WELLS FARGO & COMPANY/MN has demonstrated a growth trajectory, with revenue expanding from $20.69B to $82.77B. Investors analyzing WFC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

WFC Dividend Yield and Income Analysis

WELLS FARGO & COMPANY/MN (WFC) currently pays a dividend yield of 2.0%. At this yield, a $10,000 investment in WFC stock would generate approximately $$197.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning WFC yields less than the typical sector peer. With a net margin of 25.5%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

WFC Momentum and Technical Analysis Profile

WELLS FARGO & COMPANY/MN (WFC) has a momentum factor score of 44/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 57/100 reflects moderate short selling activity.

WFC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, WELLS FARGO & COMPANY/MN (WFC) ranks #765 out of 891 stocks based on the Blank Capital composite score. This places WFC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing WFC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full WFC vs S&P 500 (SPY) comparison to assess how WELLS FARGO & COMPANY/MN stacks up against the broader market across all factor dimensions.

WFC Next Earnings Date

WELLS FARGO & COMPANY/MN (WFC) is scheduled to report earnings on April 14, 2026 for Q1 2026. Analysts estimate EPS of $1.57. Revenue is estimated at $21.76B.Investors can track all upcoming reports on the earnings calendar.

Should You Buy WFC? — Investment Thesis Summary

The quantitative profile for WELLS FARGO & COMPANY/MN suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 65/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 75/100) reduces downside risk.

In summary, WELLS FARGO & COMPANY/MN (WFC) earns a Reduce rating with a composite score of 40.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on WFC stock.

Related Resources for WFC Investors

Explore more research and tools: WFC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare WFC head-to-head with peers: WFC vs WTM, WFC vs OPY, WFC vs ACT.

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WELLS FARGO & COMPANY/MN (WFC) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does WELLS FARGO & COMPANY/MN Do?

WELLS FARGO & COMPANY/MN (WFC) Stock Rating — Reduce (April 2026)

WFC Stock Price and 52-Week Range

Is WFC Overvalued or Undervalued? — Valuation Analysis

WELLS FARGO & COMPANY/MN Profitability — ROE, Margins, and Quality Score

WFC Debt, Balance Sheet, and Financial Health

WELLS FARGO & COMPANY/MN Revenue and Earnings History — Quarterly Trend

WFC Dividend Yield and Income Analysis

WFC Momentum and Technical Analysis Profile

WFC vs Competitors — Financials Sector Ranking and Peer Comparison

WFC Next Earnings Date

Should You Buy WFC? — Investment Thesis Summary

Related Resources for WFC Investors

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