Tearsheet

Wells Fargo (WFC)


Market Price (9/15/2025): $81.62 | Market Cap: $263.9 Bil
Sector: Financials | Industry: Diversified Banks

Wells Fargo (WFC)


Market Price (9/15/2025): $81.62
Market Cap: $263.9 Bil
Sector: Financials
Industry: Diversified Banks

Investment Highlights

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.3%
Trading close to highs
Dist 52W High is -2.8%, Dist 3Y High is -2.8%
Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -1.7%, Rev Chg QQuarterly Revenue Change % is -0.6%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -64%
  Not cash flow generative
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -11%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -11%
2 Low stock price volatility
Vol 12M is 32%
  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.3%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -64%
2 Low stock price volatility
Vol 12M is 32%
3 Trading close to highs
Dist 52W High is -2.8%, Dist 3Y High is -2.8%
4 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -1.7%, Rev Chg QQuarterly Revenue Change % is -0.6%
5 Not cash flow generative
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -11%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -11%

Market Valuation

 9/15/252024202320222021
Share Price CYE$81.62$69.11$47.18$38.38$43.57
Market Cap CYE ($ Bil)263.9228.9170.8145.8171.1
Total Debt ($ Bil)210.2186.6219.5195.4173.9
Total Cash ($ Bil)194.6203.4237.2159.2234.2
Enterprise Value ($ Bil)279.5415.5390.3341.2345.0
Valuation Ratios     
P/S TTM3.22.92.22.12.5
P/EBIT TTM0.00.00.00.00.0
P/E TTM12.812.29.511.58.8
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)7.26.97.17.17.0
P/E TTM (Sector)12.811.610.19.410.0
 9/15/2520242023
Share Price CYE$81.62$69.11$47.18
Market Cap CYE ($ Bil)263.9228.9170.8
Total Debt ($ Bil)210.2186.6219.5
Total Cash ($ Bil)194.6203.4237.2
Enterprise Value ($ Bil)279.5415.5390.3
Valuation Ratios   
P/S TTM3.22.92.2
P/EBIT TTM0.00.00.0
P/E TTM12.812.29.5
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)7.26.97.1
P/E TTM (Sector)12.811.610.1

Business Description

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. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
WFC Return-42%61%-12%23%46%18%76%
Peers Return-3%30%-18%15%35%25%100%
S&P 500 Return16%27%-19%24%23%12%104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: JPM, BAC, MS, C, USB. See WFC Returns vs. Peers.
[3] 2025 data is for the year up to 9/12/2025 (YTD)

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Peer Comparisons for Wells Fargo

Financials

WFCJPMBACMSCUSBMedian
NameWells Fa.JPMorgan.Bank of .Morgan S.CitigroupU.S. Ban. 
Mkt Price81.46306.9150.58156.3999.4449.1390.45
Mkt Cap263.3855.9388.3246.6184.676.6255.0
Rev LTM81,462175,656103,43561,50383,11327,71582,288
Op Inc LTM-------
FCF LTM-9,143-148,6154,550-20,941-93,6867,484-15,042
FCF 3Y Avg13,467-56,10424,365-25,282-65,69010,620-7,331
CFO LTM-9,143-148,6154,550-17,670-87,1657,484-13,406
CFO 3Y Avg13,467-56,10424,365-21,957-59,18210,620-5,669

Growth & Margins

WFCJPMBACMSCUSBMedian
NameWells Fa.JPMorgan.Bank of .Morgan S.CitigroupU.S. Ban. 
Rev Chg LTM-1.7%8.2%5.4%16.7%6.3%1.7%5.8%
Rev Chg 3Y Avg2.8%13.5%5.0%5.0%4.3%6.5%5.0%
Rev Chg Q-0.6%6.7%6.0%11.3%8.1%2.0%6.3%
QoQ Delta Rev Chg LTM-0.1%1.6%1.5%2.6%2.0%0.5%1.6%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM-11.2%-84.6%4.4%-28.7%-104.9%27.0%-20.0%
CFO/Rev 3Y Avg16.4%-32.5%24.8%-41.3%-74.6%39.0%-8.0%
FCF/Rev LTM-11.2%-84.6%4.4%-34.0%-112.7%27.0%-22.6%
FCF/Rev 3Y Avg16.4%-32.5%24.8%-47.4%-82.8%39.0%-8.0%

Valuation

WFCJPMBACMSCUSBMedian
NameWells Fa.JPMorgan.Bank of .Morgan S.CitigroupU.S. Ban. 
Mkt Cap263.3855.9388.3246.6184.676.6255.0
P/S3.24.93.84.02.22.83.5
P/EBIT-------
P/E12.815.113.916.713.011.113.5
P/CFO-28.8-5.885.4-14.0-2.110.2-3.9
Total Yield9.8%6.6%7.2%6.0%7.7%13.1%7.4%
Dividend Yield2.0%0.0%0.0%0.0%0.0%4.1%0.0%
FCF Yield 3Y Avg8.1%-7.4%8.7%-16.0%-56.0%18.4%0.3%
D/E0.80.60.91.42.01.01.0
Net D/E-0.6-0.5-0.81.0-1.0-0.9-0.7

Returns

WFCJPMBACMSCUSBMedian
NameWells Fa.JPMorgan.Bank of .Morgan S.CitigroupU.S. Ban. 
1M Rtn5.7%5.7%8.4%8.1%6.1%7.0%6.6%
3M Rtn13.2%15.8%15.4%21.6%31.1%15.5%15.7%
6M Rtn16.3%32.9%25.1%37.6%46.7%19.6%29.0%
12M Rtn57.8%52.8%33.9%63.9%77.7%15.1%55.3%
3Y Rtn99.8%180.1%58.7%96.8%130.2%23.9%98.3%
1M Excs Rtn2.8%3.8%5.8%4.0%3.2%3.6%3.7%
3M Excs Rtn1.8%5.5%5.1%10.5%19.0%3.6%5.3%
6M Excs Rtn1.1%17.9%9.7%22.9%30.8%3.6%13.8%
12M Excs Rtn34.5%32.1%12.0%46.9%57.1%-5.8%33.3%
3Y Excs Rtn35.8%119.5%-2.3%34.5%63.9%-41.7%35.2%

FDIC Bank Data

Financials

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Consumer Banking and Lending37,91935,81034,87734,01637,891
Corporate and Investment Banking19,19115,24213,83913,92814,228
Wealth and Investment Management14,69114,82214,34613,21315,732
Commercial Banking13,44910,9208,5499,17512,338
Corporate-457-4159,1695,3577,809
Reconciling Items-2,196-2,011-1,614-1,425-2,935
Total82,59774,36879,16674,26485,063


Net Income by Segment
$ Mil20242023202220212020
Consumer Banking and Lending7,9395,4418,5551,0765,895
Corporate and Investment Banking6,4265,8786,0629504,966
Commercial Banking5,1044,0183,134-6893,808
Wealth and Investment Management1,9642,4222,0271,5381,768
Reconciling Items000  
Corporate-2,291-4,0822,3315023,112
Total19,14213,67722,1093,37719,549


Assets by Segment
$ Mil20242023202220212020
Corporate674,075  728,667608,712
Corporate and Investment Banking547,203  508,518538,383
Consumer Banking and Lending375,484  420,995448,971
Commercial Banking245,568  206,953244,984
Wealth and Investment Management90,138  87,77886,505
Reconciling Items0    
Total1,932,468  1,952,9111,927,555


Price Behavior

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity46,193,654
Short Interest: % Change Since 815202515.8%
Average Daily Volume12,279,279
Days-to-Cover Short Interest3.76
Basic Shares Quantity3,232,700,000
Short % of Basic Shares1.4%

Earnings Returns History

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 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/15/2025-5.5%-3.8%-4.2%
4/11/2025-1.0%2.5%19.3%
1/15/20256.7%8.9%11.3%
10/11/20245.6%11.5%22.0%
7/12/2024-6.0%-1.5%-11.6%
4/12/2024-0.4%3.6%9.8%
1/12/2024-3.3%-1.9%0.5%
10/13/20233.1%3.6%3.8%
...
SUMMARY STATS   
# Positive101417
# Negative14107
Median Positive3.8%4.4%11.1%
Median Negative-4.2%-4.0%-7.3%
Max Positive6.7%11.7%22.0%
Max Negative-7.8%-11.9%-22.0%

Insider Activity

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 OwnerTitleFiling DateActionPriceSharesTransacted
Value
Value of
Held Shares
Form
0Williams Ather IIISr. Executive Vice President10162024Sell63.7060,0003,822,00010,421,946Form
1Van Beurden SaulSr. Executive Vice President10152024Sell61.9935,0002,169,6507,853,340Form