Rankings Financial data & insurance broking Wells Fargo
Wells Fargo
85
15070100
A view of the same findings, not a new score. How it works
A strong score: the model found few serious problems, but analysts see limited upside from here.
Biggest deductions
- Multiples vs own history−5
- Quality of growth−3
- Return level−2
Strengths
- Dividend and buybacks+2
- Balance sheet cap removed+1
How the score is built
From 100 to 85, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 85.89 USD
- Median analyst target
- 97.50 USD
- Upside to median
- +13.5%
- Analysts
- 27
- Target range
- 88.00 – 108.00 USD
- 52-week change
- −1%
- P/E (trailing)
- 12.1
- Forward P/E
- 11.1
- PEG
- 0.86
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 2 findings−5 of −30
- −3Quality of growthAfter the balance sheet cap was removed, lending grew 12%, but mainly in low-margin securities-backed lending and market activities; NII rose only 5%, and the net interest margin fell 4 bp in a quarter to about 2.43%. Bigger, not clearly stronger.
- −2Return levelROTCE of 17.7% and ROE of 15.0% in Q2, but TTM ROE of 12.6% and 7.2-12.7% in 2021-2025; management's medium-term target of 17-18% ROTCE is itself called 'challenging' and sits below JPMorgan's level.
Price
Today's multiples against the company's own history and its peers. · 2 findings−6 of −35
- −5Multiples vs own historyP/B 1.54 (P/TBV 1.81) versus 0.86-1.60 in 2021-2025, i.e. near the top; P/E 12.1 versus 9.2-14.4 and forward 11.2. The share price has fallen from 91.7 to 83.6 in 2026, but is still +81% since the end of 2023, while EPS has risen 42%.
- −1PeersP/TBV 1.81 and P/E 12.1 versus Bank of America 1.83/12.6 with almost the same ROTCE; priced in line with peers with no discount for the weaker margin.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 5 findings−8 of −35
- −2Capital bufferCET1 fell from 11.1% to 10.3% over a year and is now at the bottom of the internal target of 10-10.5%; the large buybacks (3bn USD in Q2) and balance sheet growth are eating the buffer, so the buyback could quickly be restricted.
- −2Net interest incomeNII guidance of about USD 50bn maintained, but management expects a falling net interest margin in Q3 and flat non-interest-bearing deposits; analysts expect Q3 EPS of USD 1.85 against 2.00 in Q2.
- −2Compliance historyThe bank was under the Fed's asset cap from 2018 to June 2025 after the fake customer accounts scandal and repeated consent orders; only now free, and the cultural risk is not proven gone.
- −1Macro and interest ratesBank stocks have had their worst month against the S&P 500 since 1990, and the KBW bank index is more than 13% below the August peak after the rate spike; management itself points to early signs of credit normalisation.
- −1
Plus
Only documented strengths. · 2 findings+3 of +15
- +2Dividend and buybacksShare count -6.0% over a year and dividend +11% to 0.50 USD/quarter; total shareholder yield 8.4% (approx. 21bn USD) against net income of 21.6bn, i.e. just below earnings.
- +1Balance sheet cap removedIn June 2025 the Fed lifted the balance sheet cap, and the bank can now grow freely; ROTCE rose to 17.7% in Q2 2026.
Caveats
What the score does not capture, or where the data is weak.
Q3 report 13 Oct. 2026 (per stockanalysis); the score is from before the report (data at 11/10-2026). Bank: EV, ROIC and FCF are not meaningful; valuation on P/TBV and P/E. Only 5 years of multiple history (2021-2025) retrieved; commercial real estate exposure (office) has not been examined
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