Wells Fargo & Company (WFC)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, Wells Fargo must be judged on earnings consistency, returns on equity, book value, and credit discipline, not on free cash flow or enterprise-value multiples. The filed record is reassuring: fiscal 2023 net income was $19.1B with diluted EPS of $4.83; fiscal 2024 was $19.7B and $5.37; fiscal 2025 was $21.3B and $6.26. In fiscal Q2 2026, the quarter ended June 30, 2026, net income was $6.4B and diluted EPS $2.00, above the $5.5B and $1.60 reported for fiscal Q2 2025. Those are steady, improving profits, and the diversified consumer, commercial, corporate, and wealth segments give it a durable franchise, though I cannot verify credit quality, net interest margin, or CET1 from the supplied data. At the October 26, 2026 close of $82.65, FairStock's calculations show a P/E of 11.66, P/B of 1.56, and ROE of 12.91%, with PEG 0.70 and Piotroski 7/9. The 2.42% dividend yield and beta of 0.95 add to the appeal, and FairStock classifies it as a STALWART, citing steady growth with profit growing 44.6% a year over five years. Still, a 1.56 price-to-book is not a Graham bargain, ROCE is just 1.08% as calculated, and the FairStock score is 59/100. This looks like a fair-to-reasonably-priced stalwart, not a compelling bargain, and bank-specific measures such as CET1, NIM, and combined ratio are absent, so margin of safety depends on credit risk not visible here.

In plain English: Wells Fargo is a large diversified U.S. bank serving consumers, businesses, investors, and wealth clients. Its profits have been steady and rising in recent years, and the business looks financially solid based on the numbers provided. At the recent close, the price looks moderate rather than clearly cheap or expensive relative to the company's profits and accounting value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer