Bull Rankings model

Wells Fargo & Company (WFC) stock analysis

Banks - Diversified. Scored on the same transparent model behind the daily rankings.

★
WFC
Wells Fargo & Company · Banks - Diversified
63.7Financial strength
$83.55Oct 9 close$252.7B
1Y Target$99.02Analyst consensus · 24 analysts
5Y Target$125.01Compound horizon
10Y Target$160.32Long-dated conviction
Rev+1.7%
C
Revenue +1.7% — flat, mature phase or headwinds present
P/E11.9x
B
P/E 11.9 — near the Financial Services median (≈60th pctile)
ROE12.6%
B
ROE 12.6% — acceptable capital return
P/B1.53
B
P/B 1.53 — fair; a premium the market pays for returns
Yield2.4%
B
Yield 2.4% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 63.7 / 100
Profitability65.3
Value (P/B)63.8
Income60.9

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
15% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Banks - Diversified · market cap $252.7b. 15% off the 52-week high of $97.76. 24 sell-side analysts rate this a Buy with a mean 1-yr target of $99.02 (implying +19% upside).
Moat
Net margin 27% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 13% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. $252.7b market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $99.02 (24-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $125.01 at ~8% CAGR — dividend + buyback compounding. 10 yr $160.32 if the moat survives secular pressure.

Not enough history yet — the model records WFC's score after each daily run, and the chart appears once a few days have accumulated.

WFC at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY65VALUE64COVERED INCOME6163.7/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$83.6LOW $72.8HIGH $97.8Trading at the 43rd percentile of its 52-week range ($72.8–$97.8).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+6%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+1.6%
90-day change+1.6%
Forward EPS estimate$8.03

Over the last 90 days, what analysts expect WFC to earn is drifting higher (+1.6%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
23
Position size
$1,922
3.8% of portfolio
Stop price
$62.66
25% below $83.55
$ at risk if stopped
$480.41
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Wells Fargo & Company (WFC): score, valuation & FAQ

Wells Fargo & Company (WFC) is a Banks - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

WFC is graded on the same transparent quality-growth model — quality, growth and value — behind the daily Bull Rankings.

Is WFC a good stock to buy?

Bull Rankings grades WFC on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. A score is a quantitative screen of Wells Fargo & Company's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade WFC?

As a bank, insurer or REIT, WFC isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage.

Is WFC overvalued or undervalued?

We don't publish a discounted-cash-flow value for WFC, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. WFC is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in WFC?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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