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Wells Fargo & Company

NYSE•WFC
CEO: Mr. Charles W. Scharf
Sector: Financial Services
Industry: Banks - Diversified
Listing Date: 1972-06-01
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. The company 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, 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. 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 in brokerage and wealth offices, consumer bank branches, independent offices, and digitally through WellsTrade and Intuitive Investor. The company was founded in 1852 and is headquartered in San Francisco, California.
Contact Information
420 Montgomery Street, San Francisco, CA, 94104, United States
866-249-3302
www.wellsfargo.com
Market Cap
$241.33B
P/E (TTM)
11.5
14.1
Dividend Yield
2.3%
52W High
$97.76
52W Low
$58.42
52W Range
47%
Rank43Top 50.7%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$31.82B+3.98%
4-Quarter Trend

EPS

$1.69+16.55%
4-Quarter Trend

FCF

$4.12B+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Total Assets Reach $2.1T Consolidated assets reached approximately $2.1T by year-end 2025; Bank subsidiary holds $1.8T, 85% of total.
Q4 2025 Share Repurchases High Repurchased 58.2M shares in Q4 2025 under the $40B authorization announced April 2025; significant capital return activity.
$200M Invested in People Invested approximately $200M during 2025 across employee learning and development programs to enhance customer experience.
FRB Asset Cap Lifted June 2025 Federal Reserve removed the limitation on growth in total assets imposed by the 2018 consent order as of June 3, 2025.

Risk Factors

Ongoing AML/Sanctions Remediation Subject to September 2024 formal agreement with OCC requiring enhancement of anti-money laundering and sanctions risk practices.
Intense Industry Competition Rising Faces increased competition from nonbank institutions, fintechs, and digital assets potentially reducing reliance on traditional deposits.
Regulatory Compliance Costs High Subject to significant regulation and oversight, potentially leading to increased compliance costs impacting operations and diversification efforts.
Capital Distribution Restrictions Risk Dividend payments and share repurchases remain subject to regulatory triggers and restrictions under the Support Agreement terms.

Outlook

Navigating Regulatory Uncertainty Future legislation or regulatory changes could substantially alter operating environment, compensation structure, and competitive landscape.
Digital Economy Transformation Impact Technological advances, including digital assets, could reshape how financial services are accessed, offered, and delivered going forward.
Recovery Plan Stress Testing Must periodically submit recovery plans to FRB/OCC; deficiencies could result in fines or restrictions on growth and operations.
Executive Leadership Transition Charles W. Scharf became Chairman, CEO, and President in October 2025, succeeding the prior CEO/President structure.

Peer Comparison

Revenue (TTM)

JPM stock ticker logoJPM
$280.33B
+3.5%
BAC stock ticker logoBAC
$188.75B
-1.9%
C stock ticker logoC
$168.30B
-1.4%

Gross Margin (Latest Quarter)

ING stock ticker logoING
93.7%
+5.5pp
BCS stock ticker logoBCS
92.3%
+0.0pp
UBS stock ticker logoUBS
65.5%
+8.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
JPM$775.45B14.115.9%11.3%
BAC$354.32B11.710.2%10.7%
WFC$241.33B11.511.8%19.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.4%
Moderate Growth
4Q Net Income CAGR
3.1%
Profitability Slowly Improving
Cash Flow Stability
25%
Cash Flow Needs Attention

Deep Research

Next earnings:Apr 9, 2026
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LTM
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