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Wells Fargo & Co.
WFCFinancialsGenerated Sep 5, 2026, 01:35 PM UTC
WFC (Wells Fargo & Co.) analytical snapshot. Return on equity 11.78%, ROA 0.99%, ROIC 0.00%. Net income up ▲ +8.2% YoY. Debt/equity 1.01, current ratio —, net debt -$19.32B. Market cap $272.07B at $89.97 per share. Trailing P/E 14.37, P/S 3.20, P/B 1.51. Graham number $91.61 (trades below intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 1 (data confidence 73%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Recent insider Form 4s: 0 buy vs 0 sell transactions. ~10,000+ recent 13F-HR filings reference Wells Fargo & Co.; broad institutional reporting. Recent filers include BERKSHIRE HATHAWAY INC (BRK-A, BRK-B), BERKSHIRE HATHAWAY INC (BRK-A, BRK-B), BERKSHIRE HATHAWAY INC (BRK-A, BRK-B).
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Wells Fargo & Co.; broad institutional reporting.
- Recent filers include BERKSHIRE HATHAWAY INC (BRK-A, BRK-B), BERKSHIRE HATHAWAY INC (BRK-A, BRK-B), BERKSHIRE HATHAWAY INC (BRK-A, BRK-B).
- 20 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Aug 14, 2012 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | May 15, 2012 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | May 15, 2013 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Nov 14, 2012 |
| BERKSHIRE HATHAWAY INC (BRK-A, BRK-B) | 13F-HR | Feb 14, 2013 |
SEC Filing Deep-Analysis
2 risk signal(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- NEW: Going concern doubt in latest filing: The term "going concern" "substantial doubt" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 1 filing(s).
- Material weakness in internal controls: The term "material weakness" "internal control" appears in 5 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Endogenous analysis: 2 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 2 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 1 new risk-language term(s) detected in filing text: Going concern doubt.
- Ongoing high-severity risk language: Material weakness in internal controls.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $86.41B | $85.06B | $-1.34B | -1.6% |
| Net income | $19.72B | $21.34B | $1.62B | +8.2% |
| Operating cash flow | $3.04B | $-19.00B | $-22.04B | -726.1% |
| Total assets | $1.93T | $2.15T | $218.79B | +11.3% |
| Total liabilities | $1.75T | $1.97T | $216.81B | +12.4% |
| Long-term debt | $173.08B | $174.71B | $1.63B | +0.9% |
| Cash & equivalents | $201.90B | $172.59B | $-29.31B | -14.5% |
| Stockholders equity | $179.12B | $181.12B | $2.00B | +1.1% |
| Accounts receivable | $19.61B | $19.65B | $43.0M | +0.2% |
| Interest expense | $9.07B | $32.74B | $23.67B | +260.8% |
| Type | Concepts |
|---|---|
| Added | DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral, DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral |
| Removed | CommonStockCapitalSharesReservedForFutureIssuance, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeconsolidationGainOrLossAmount, DeconsolidationRevaluationOfRetainedInvestmentGainOrLossAmount, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit, DeferredIncomeTaxExpenseBenefit |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 1 | 0 | NEW |
| Material weakness in internal controls | high | 5 | 2 | Ongoing |
| Impairment charge | medium | 5 | 2 | Ongoing |
| Restructuring | medium | 5 | 10 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 5 | 0 | NEW |
Fundamentals
Return on equity 11.78%, ROA 0.99%, ROIC 0.00%. Net income up ▲ +8.2% YoY. Debt/equity 1.01, current ratio —, net debt -$19.32B.
- Return on equity 11.78%, ROA 0.99%, ROIC 0.00%.
- Net income up ▲ +8.2% YoY.
- Debt/equity 1.01, current ratio —, net debt -$19.32B.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | — | — | — | — | — | — | 11.01 |
| 2025 | — | — | — | — | — | — | 11.78 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2019 | $21.61B | -1.5% | — | 27.12% |
| Jun 30, 2019 | $21.58B | +0.1% | -0.1% | 28.75% |
| Sep 30, 2019 | $22.01B | +0.3% | +2.0% | 20.95% |
| Mar 31, 2020 | $17.72B | -18.0% | -19.5% | 3.69% |
| Jun 30, 2020 | $17.84B | -17.4% | +0.7% | -21.56% |
| Sep 30, 2020 | $18.86B | -14.3% | +5.8% | 17.05% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $272.07B at $89.97 per share. Trailing P/E 14.37, P/S 3.20, P/B 1.51. Graham number $91.61 (trades below intrinsic).
- Market cap $272.07B at $89.97 per share.
Price & Technicals
Price $89.97 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 60.67.
- Price $89.97 — uptrend (above 200-DMA); 1-month momentum positive.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Elevated. Leverage debt/equity 1.01 (moderate). Earnings stability: net-margin stdev 5.41pp over 4y.
- Composite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Wells Fargo & Co. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewPrice $89.97 — uptrend (above 200-DMA); 1-month momentum positive..
Peer comparison
Rate-sensitive groupHow WFC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| CME Group Inc. CME | 32 | Neutral |
| Allstate Corp. ALL | 28 | Neutral |
| Mastercard Inc. MA | 27 | Neutral |
| Visa Inc. V | 24 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| Capital One Financial COF | 19 | Neutral |
| Digital Realty Trust DLR | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Simon Property Group SPG | 10 | Neutral |
| Chubb Ltd. CB | 8 | Neutral |
| Dominion Energy D | 8 | Neutral |
| Travelers Cos. TRV | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| American Express Co. AXP | 5 | Neutral |
| Moody's Corp. MCO | 5 | Neutral |
| Welltower Inc. WELL | 5 | Neutral |
| JPMorgan Chase & Co. JPM | 4 | Neutral |
| Wells Fargo & Co. WFC● you | 1 | Neutral |
| PNC Financial Services PNC | 1 | Neutral |
| Truist Financial TFC | 1 | Neutral |
| Bank of America Corp. BAC | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Citigroup Inc. C | -2 | Neutral |
| BlackRock Inc. BLK | -2 | Neutral |
| Prologis Inc. PLD | -2 | Neutral |
| Goldman Sachs Group GS | -4 | Neutral |
| American Tower Corp. AMT | -4 | Neutral |
| S&P Global SPGI | -5 | Neutral |
| American Water Works AWK | -8 | Neutral |
| Public Storage PSA | -9 | Neutral |
| American Electric Power AEP | -9 | Neutral |
| Equinix Inc. EQIX | -10 | Neutral |
| Morgan Stanley MS | -11 | Neutral |
| Realty Income Corp. O | -12 | Neutral |
| NextEra Energy NEE | -13 | Neutral |
| Duke Energy Corp. DUK | -14 | Neutral |
| Xcel Energy XEL | -17 | Neutral |
| Southern Company SO | -17 | Neutral |
| Exelon Corp. EXC | -19 | Neutral |
| Crown Castle Inc. CCI | -21 | Neutral |
| American International Group AIG | -23 | Neutral |