Wells Fargo & Company (WFC) Stock

Wells Fargo & Company (WFC) is a Financials stock trading at $87.53 (as of 2026-07-17), with a market capitalization of $267.84B and a trailing P/E of 12.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment offers a suite of capital markets, banking, and financial products and services to corporate, commercial real estate, government, and institutional clients. Its products and services comprise corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

Understand Wells Fargo & Company: how it makes money

Wells Fargo provides banking, investment, mortgage, and consumer and commercial finance products and services, it makes money by selling these financial products and services through four operating segments.

Wells Fargo’s profit engine is diversification across four lines of financial services (Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management), so results depend on how each segment’s product activity performs.

Business quality (Solid): Clear diversified segment structure (four segments), but the provided data does not include segment-level revenue, limiting how precisely investors can connect results to each segment.

Valuation: At 12× earnings, WFC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Diversified operating footprint: The company operates through four segments, spanning consumer and small businesses, commercial banking, corporate and investment banking, and wealth and investment management.
  • Broad set of customer products: Consumer Banking and Lending includes checking and savings accounts and credit and debit cards, alongside other consumer and small business financial services.

Bear case

  • Harder to pinpoint segment drivers with the available data: The provided facts do not include segment-level revenue for the four official segments, so it is harder to assess which segment is responsible for changes in overall results.
  • Results may be affected by items outside ongoing operations: The provided revenue components include a gain on sale of a non-agency third-party servicing segment, which suggests some reported revenue may include non-recurring or non-core items.
Valuation — source: SEC EDGAR (first-party)
Price$87.53
Market Cap$267.84B
P/E Ratio12.3
EV / EBITDA12.0
Price / Book1.49
Price / Sales3.15
DCF Value (model)$82.63
DCF Upside vs Price-5.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$83.70B
Net Margin25.5%
Revenue Growth (YoY)6.4%
EPS Growth (YoY)14.9%
Valuation vs Sector & Industry
Stock P/E12.3
Sector P/E (Financials)15.5
Industry P/E (Banking)13.5
vs Sector-20.4%
vs Industry-8.6%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($27.63B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorFinancials
IndustryBanking
CEOCharles W. Scharf
Employees215,367
CountryUS
IPO Date1972-06-01

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Citigroup Inc. (C)
  • Capital One Financial Corporation (COF)
  • The PNC Financial Services Group, Inc. (PNC)
  • U.S. Bancorp (USB)
  • Truist Financial Corporation (TFC)
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WFC earnings history · WFC institutional & insider holders · WFC KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.