WFC · NYSE · STOCK
Wells Fargo & Company (WFC) Stock Analysis
$83.56
52W $72.78 – $97.76
60/100
$252.66B
11.9
0.95
Is WFC Bullish or Bearish?
Bullish.
Innellis AI committee rates Wells Fargo & Company (WFC) Buy with a composite score of 60/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.17 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.83 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 72.7% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 2.35) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.7 is inexpensive for the broad market — Value
- Revenue growing 72.7% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.20 across 103 articles, 14d) — News
Bear Case
- Debt-to-equity of 2.35 adds balance-sheet risk to the value case — Value
- High leverage (debt-to-equity 2.35) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
60/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 48%
of 211 Financial Services peers
Value Analyst
neutral
57
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 10.7 is inexpensive for the broad market
− Debt-to-equity of 2.35 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 72.7% YoY -- genuine top-line momentum
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.35) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 103 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 58.6 to 59.8.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Technical Analyst: score 48->58 (+10); +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
59.0
Neutral
MACD Histogram
0.114
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$83.48
Resistance
$84.77
Bollinger %B
0.52
Inside Bands
Price vs Moving Averages
EMA 9
$81.93
Above
EMA 21
$83.12
Above
EMA 50
$84.49
Below
EMA 200
$83.77
Below
Fundamental Analysis
Valuation
100
Growth
86
Profitability
64
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
11.9×
P/B Ratio
1.41×
PEG Ratio
0.63
Dividend Yield
2.21%
52W High
$97.76
52W Low
$72.78
Quality & Growth
ROE
1178.1%
ROA
99.3%
Gross Margin
6450.5%
Operating Margin
2117.1%
Revenue Growth YoY
—
Debt / Equity
2.55
AI Fundamental Assessment
P/E ratio of 11.9 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.8%; Return on assets of 1.0%; Net margin of 17.5%; Gross margin of 64.5%; Current ratio of 0.51 (tight short-term liquidity); Debt-to-equity of 2.55; Free cash flow per share is positive (6.29); Most recent quarter beat estimates by 15.2%; 2 consecutive earnings beats; EPS growth accelerating (-1.2% -> +25.0% QoQ); Average YoY EPS growth of 29.9%; Analyst estimates rising over recent quarters
Get the Full WFC Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →