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Wells Fargo & Co (WFC)

合理估值
Financial ServicesBanks - DiversifiedUnited States

基本面

59

价格

$79.34

市值

$244.37B

第一部分 · 这家公司值多少

概览

Wells Fargo & Company, a financial services company, provides diversified 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 company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as 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 to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

资产负债表与流动性

营收

$86.80B

最近12个月(截至2026/6/30)

净利润

$22.61B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$181.12B

负债合计

$1.97T

流动比率

-

利息覆盖率

0.56

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$80.68

当前价格

$79.34

安全边际

+1.7%

公允价值区间

$59.72 - $101.64

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$100.54
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$76.90
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$87.73
股息折现模型(戈登模型):$37.03
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:买入 (20B / 10H / 0S)
最近财报超预期:+15.19%

估值指标

市盈率(P/E)

11.65

ROE

11.8%

市净率(P/B)

1.34

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

12.2%

ROIC − WACC

-

基本面分析标准

通过(14)

  • EPS shows upward trend
  • EPS CAGR 5.52%
  • Price CAGR 5.06%
  • P/B Ratio 1.34
  • Operating Margin 31.6%
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.6%
  • Analyst Consensus 67% Buy
  • Earnings Surprise avg 4.4%
  • PEG Ratio 0.21
  • Earnings Quality (OCF/NI) 0.85
  • Share Dilution -7.2%
  • Net Margin Trend 26.0% vs 25.2%

未通过(6)

  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Unknown)
  • Revenue Growth 5Y -1.7%
  • Piotroski F-Score 2/9

不可用(8)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA

Piotroski F-评分

2/9

存在严重财务隐患

score
criteria

盈利质量

0.85

中等:利润与现金之间存在一定差距

股权稀释

-7.2%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
Mr. Charles W. ScharfCEO & Chairman60
Mr. Michael P. SantomassimoSenior EVP & CFO50
Mr. Fernando S. RivasSenior EVP & CEO of Corporate & Investment Banking50
Ms. Ellen Reilly Patterson Esq., J.D.Senior EVP & General Counsel51
Mr. Kleber R. SantosSenior EVP, Co-CEO of Consumer Banking & Lending51
Mr. Scott E. PowellSenior EVP & COO63
Ms. Muneera S. CarrChief Accounting Officer, Executive VP & Controller56
Ms. Bridget E. EngleSenior EVP & Head of Technology61
Mr. David OwenChief Administrative Officer & Head of Global Operations-
Mr. John M. CampbellDirector of Investor Relations-

审计风险

4

董事会风险

8

薪酬风险

10

股东权利风险

6

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-24

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-07-28

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-09-24

    查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for WFC, sourced from Markets Gazette.

  • 5d agoPOSITIVE
    Swift And Wells Fargo Join Linux Foundation Blockchain Group

    Wells Fargo, alongside Swift and 13 other entities, has joined the LF Decentralized Trust, a significant move into open-source blockchain infrastructure development. This collaboration signals a growing commitment from traditional financial institutions to explore and integrate decentralized technologies. The launch of Panarus, a new tokenization project, and CLPR, a cross-ledger protocol research lab, by the organization further underscores the focus on practical applications of blockchain. For Wells Fargo investors, this strategic alliance indicates a proactive approach to innovation in financial services, potentially leading to enhanced efficiency and new product offerings in the digital asset space.

  • 6d agoNEGATIVE
    Polymarket Wagers on Bank Failures Trigger FDIC Concerns

    Polymarket's prediction markets on the potential failure of major US banks, including Wells Fargo, JPMorgan Chase, and Bank of America, are under scrutiny from Washington officials. These wagers, which allow users to bet on specific bank failures, are raising concerns about market stability and potential manipulation. The involvement of these large financial institutions in such speculative bets could lead to increased regulatory oversight and potential fines, impacting investor sentiment and the banks' public image. Investors should monitor regulatory responses and any potential impact on the banks' operations and stock prices.

  • 8/31/2026NEUTRAL
    Wells Fargo Says New Canada Steel Duties ‘For Show’ in Trade War

    Wells Fargo & Co. analyst Timna Tanners has characterized Canada's recent retaliatory tariffs on U.S. steel and aluminum as "for show," suggesting they are largely symbolic. Tanners indicated that the ongoing trade dispute has already rendered American metals prohibitively expensive for Canadian importers. This perspective implies that the new duties are unlikely to significantly alter trade flows or impact the underlying economics of the steel and aluminum markets, offering a nuanced view on the effectiveness of such trade measures.

  • 4/30/2026NEUTRAL
    The David Rubenstein Show: Charlie Scharf

    Wells Fargo CEO Charlie Scharf emphasized the critical importance of the Federal Reserve's independence for the US financial system, despite political commentary on policy. In a discussion on "The David Rubenstein Show," Scharf also addressed the US economic outlook amidst geopolitical tensions with Iran, and explored the evolving landscape of private credit and artificial intelligence. His remarks offer insights into the strategic considerations of a major US bank leader regarding macroeconomic stability and emerging investment themes.

  • 4/14/2026POSITIVE
    Wells Fargo CFO Sees Growth Across Business Lines

    Wells Fargo CFO Mike Santomassimo indicated positive growth across various business lines during the bank's first-quarter earnings report. Speaking on "Bloomberg The Close," Santomassimo highlighted the bank's performance and outlook, suggesting a robust operational environment. The commentary, particularly concerning the private credit market, implies strategic positioning and potential for future revenue streams. This positive outlook from a key executive suggests that investors can anticipate continued financial strength and potential for stock appreciation, reinforcing Wells Fargo's position as a stable financial institution.

  • 4/14/2026NEGATIVE
    Wells Fargo CEO Says Economy Remains Resilient, But Flags Oil Price Impact

    Wells Fargo reported Q1 earnings per share of $1.56, missing analyst estimates of $1.65 by 5.5%. Despite a 6% year-over-year increase in revenue to $21.6 billion, the company's shares declined 4.8% in after-hours trading. The miss, coupled with CEO John Stumpf's comments on the economy's resilience but flagging oil price impacts, suggests potential headwinds. Investors will scrutinize the bank's net interest margin and loan growth figures for further clues on future performance.

  • 4/14/2026NEUTRAL
    Wells Fargo sees little change in guidance despite spike in oil prices

    Wells Fargo has maintained its guidance for net interest income and noninterest expense for 2026, indicating stability in its financial outlook despite recent fluctuations in oil prices. The bank's core projections remain consistent, suggesting that external market volatility, such as the spike in oil prices, is not significantly impacting its internal financial planning or operational efficiency targets. This steady outlook provides clarity for investors regarding the bank's expected performance and financial management strategies in the medium term.

  • 4/13/2026POSITIVE
    How To Earn $500 A Month From Wells Fargo Stock Ahead Of Q1 Earnings

    Wells Fargo offers an annual dividend yield of 2.11%, translating to $1.80 per share. Investors aiming to generate $500 monthly from this dividend would need to hold approximately 3,333 shares. As Q1 earnings approach, the stock's dividend payout remains a key attraction for income-focused investors. The yield suggests a stable income stream, potentially appealing to those seeking regular cash flow from their investments, especially in the current market environment.

  • 3/31/2026NEUTRAL
    Here's How Much You Would Have Made Owning Wells Fargo Stock In The Last 5 Years

    Wells Fargo stock has delivered a total return of 103% over the past five years, significantly outperforming the S&P 500's 75% gain during the same period. This performance includes dividend reinvestment, highlighting the bank's ability to generate shareholder value through both capital appreciation and consistent payouts. Investors considering Wells Fargo should note this historical performance, which suggests resilience and effective capital management, though past returns do not guarantee future results.

via Markets Gazette