WFC Stock: Wells Fargo & Company — Profile, Analysis & Investor Guide (2026)
A leading American multi-national financial services company and one of the “Big Four” banks in the United States. — Updated June 2026 with current price, P/E ratio, analyst ratings, financials, and investor insights.
Wells Fargo & Company (WFC) is a financial services giant that has been a mainstay of the American banking landscape since 1852. Headquartered in San Francisco, the bank operates through four primary segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. While some investors focus on high-growth areas like the Complete List Of Semiconductor Companies Listed On U.S. Exchanges, Wells Fargo offers a different profile centered on traditional interest income and fee-based services.
The bank has spent the last several years undergoing a massive transformation under CEO Charlie Scharf, focusing on resolving legacy regulatory issues and improving operational efficiency. As the economy shifts, financial institutions like Wells Fargo play a critical role in funding everything from large-scale infrastructure to specialized niche sectors such as the List Of Publicly Traded Crude Oil Tanker Companies or providing credit to the consumer goods market represented by the Complete List Of Food & Beverage Companies Listed On U.S. Exchanges. For investors, WFC represents a value-oriented play within the diversified banking industry, often moving in tandem with interest rate cycles and regulatory developments.
Key Takeaways — WFC Stock
Wells Fargo continues to make significant strides in improving its internal controls and efficiency ratio, aiming to close the profitability gap with its major banking peers.
The primary overhang for WFC remains the Federal Reserve’s asset cap; however, market sentiment suggests steady progress toward its eventual removal in the medium term.
With a robust Tier 1 capital ratio, the bank is well-positioned to continue aggressive share buybacks and steady dividend growth throughout 2026.
As a traditional lender with a massive deposit base, WFC’s net interest margin is highly sensitive to Federal Reserve monetary policy and the slope of the yield curve.
WFC Stock Health Score
Scores out of 10 based on current fundamentals, valuation, momentum and income data.
WFC — Live Stock Chart
Real-time price chart powered by TradingView.
WFC — Key Statistics & Valuation
Core financial data as of June 2026.
| Valuation | Value | Financials | Value |
|---|---|---|---|
| Market Cap | $250.94B | Revenue (TTM) | $125.70B |
| P/E Ratio (TTM) | 12.65 | Net Income | $21.73 billion |
| Forward P/E | 11.72 | EPS (TTM) | $6.48 |
| Price/Sales | 1.99 | Gross Margin | 26.74% |
| Price/Book | 1.15 | Net Margin | 26.74% |
| PEG Ratio | 1.42 | ROE | 12.04% |
| Beta | 1.01 | Debt/Equity | 1.25 |
| 52-Week High | $97.76 | 52-Week Low | $71.93 |
| Avg Daily Volume | 17.13 million | YTD Return | 12.17% |
| 1-Year Return | 8.42% | 5-Year Return | 58.13% |
| Dividend Yield | 2.20% | Payout Ratio | 28% |
| Analyst Rating | Moderate Buy | Price Target | $95.66 |
| Sector | Financials | Industry | Banks Diversified |
| CEO | Charles W. Scharf | Employees | 217,000 |
| Founded | March 18, 1852 | Headquarters | San Francisco, California, US |
WFC — Business Overview
Consumer deposits, residential mortgages, auto loans, credit cards, commercial lending, and high-end wealth management services.
Primarily earns through Net Interest Income (the spread between loan interest and deposit costs) and non-interest fee income.
Maintains a massive, sticky deposit base and a vast physical branch network that provides some of the lowest-cost funding in the industry.
The eventual removal of the $1.95 trillion asset cap by the Federal Reserve, which would allow the bank to aggressively expand its balance sheet.
WFC — Financial Performance Snapshot
| 📈 Growth | Value | 📊 Profitability | Value | 🎯 Valuation | Value |
|---|---|---|---|---|---|
| Revenue Growth YoY | 4.2% | Gross Margin | 26.74% | P/E Ratio | 12.65 |
| EPS Growth YoY | 8.5% | Net Margin | 26.74% | Forward P/E | 11.72 |
| 5Y Revenue CAGR | 3.1% | ROE | 12.04% | PEG Ratio | 1.42 |
| Free Cash Flow | $18.4B | Operating Margin | 26.74% | Price/Sales | 1.99 |
WFC — Analyst Ratings & Price Target
Based on 24 analysts covering WFC as of June 2026.
High: $112.00 | Low: $78.00 | Upside from current: 16.6%
15 Buy | 8 Hold | 1 Sell ratings from covering analysts.
Evercore ISI maintained an Outperform rating citing better-than-expected credit quality in the commercial loan book.
WFC Technical Analysis
Real-time buy/sell signals from TradingView.
WFC — Pros & Cons
✓ Efficiency Ratio Improving
Management’s focus on structural cost-cutting and digital transformation is steadily improving the bank’s bottom line.
✗ Regulatory Headwinds
The asset cap remains a hard ceiling on growth, and the timeline for its removal is uncertain and controlled by the Fed.
✓ Capital Returns
Wells Fargo has been aggressive in buying back shares, which supports EPS growth even during periods of flat revenue.
✗ Loan Loss Provisions
Macroeconomic downturns or commercial real estate weakness can force the bank to set aside billions in reserves.
✓ Discounted Valuation
Historically trades at a lower P/B and P/E ratio than peers like JPMorgan, offering potential value “catch-up” upside.
✗ Legacy Reputation
While improving, the bank still faces headlines related to past sales practice scandals and compliance lapses.
Who Should Consider WFC?
Value-conscious investors looking for exposure to the U.S. consumer and a “self-help” corporate turnaround story.
Investors seeking high-growth technology stocks or those uncomfortable with significant ongoing regulatory risk.
3-5 years to allow the regulatory transformation and eventual asset cap removal to play out fully in the market.
Taxable brokerage or IRAs; bank dividends are typically “qualified” and provide a steady stream of passive income.
WFC vs Competitors
| Company | Ticker | Market Cap | P/E | Rev Growth | Net Margin | Dividend | 1Y Return |
|---|---|---|---|---|---|---|---|
| Wells Fargo & Company ★ | WFC | $250.94B | 12.65 | 4.2% | 26.74% | 2.20% | 8.42% |
| JPMorgan Chase | JPM | $580.4B | 12.1 | 6.8% | 34% | 2.3% | 15.2% |
| Bank of America | BAC | $310.2B | 13.4 | 4.5% | 28% | 2.5% | 10.1% |
| Citigroup | C | $120.1B | 18.2 | 3.2% | 12% | 3.8% | 18.5% |
WFC — Key Risks
Interest Rate Volatility
Rapidly falling rates can squeeze net interest margins, while rapidly rising rates can lead to credit defaults and unrealized bond losses.
Asset Cap Duration
If the Fed keeps the $1.95T asset cap in place longer than expected, WFC cannot grow its market share in deposits or total loans.
Commercial Real Estate (CRE)
Exposure to office and retail properties remains a concern if remote work trends permanently lower urban property valuations.
Competitive Pressure
FinTech disruptors and “Neo-banks” are aggressively targeting Wells Fargo’s core consumer banking customer base with high-yield products.