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Wells Fargo & Co.

WFCFinancials

Generated Jul 5, 2026, 08:09 PM UTC

analytical score -1

WFC (Wells Fargo & Co.) analytical snapshot. Return on equity 10.69%, ROA 0.99%, ROIC 0.00%. Net income up ▲ +40.0% YoY. Debt/equity 1.03, current ratio —, net debt $10.67B. Market cap $261.68B at $85.51 per share. Trailing P/E 17.70, P/S 2.96, P/B 1.47. Graham number $79.59 (trades above intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -1 (data confidence 73%). Descriptive analytics from public filings — not investment advice.

Market cap
$261.68B
3.06B shares
Price
$85.51
NYQ
P/E (ttm)
17.70
Revenue (FY)
—
Net margin
—
Free cash flow
—
Risk level
Elevated

Free SEC analysis

— computed from SEC filings, free to read
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score 0Stable
60% conf

Return on equity 10.69%, ROA 0.99%, ROIC 0.00%. Net income up ▲ +40.0% YoY. Debt/equity 1.03, current ratio —, net debt $10.67B.

  • Return on equity 10.69%, ROA 0.99%, ROIC 0.00%.
  • Net income up ▲ +40.0% YoY.
  • Debt/equity 1.03, current ratio —, net debt $10.67B.
Revenue (FY)
—
Net margin
—
ROE
10.69%
ROA 0.99%
ROIC
0.00%
EPS (diluted)
$4.83
FY2025
Free cash flow
—
Debt / equity
1.03
Cash $173.27B
Current ratio
—
Equity $178.40B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2016——————11.95
2017$88.39B—0.000.0025.90—11.47
2018$88.27B-0.1%0.000.0024.85—10.60
2019$88.39B+0.1%0.000.0025.10—11.31
2020——————11.97
2021——————10.68
2022——————1.80
2023——————12.27
2024——————7.36
2025——————10.69
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Sep 30, 2019$22.01B-66.4%—75.77%
Mar 31, 2020$17.72B-18.0%-19.5%3.69%
Jun 30, 2020$35.55B-17.7%+100.7%-4.85%
Jun 30, 2020$17.84B-58.7%-49.8%-9.68%
Sep 30, 2020$54.41B-16.5%+205.1%0.57%
Sep 30, 2020$18.86B-71.1%-65.3%1.64%
Revenue (annual, SEC 10-K)
2016: 0
2017: 88,389
2018: 88,267
2019: 88,389
2020: 0
2021: 0
2022: 0
2023: 0
2024: 0
2025: 0
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
0.06.512.919.425.9201620182020202220242025
GrossOperatingNet
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 15Stable
80% conf

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.
Latest 10-K
—
Latest 10-Q
—
8-K (recent)
0
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
0
Recent 13F institutional filers (SEC EDGAR full-text)
FilerFormFiled
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRAug 14, 2012
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRMay 15, 2012
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRMay 15, 2013
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRNov 14, 2012
BERKSHIRE HATHAWAY INC (BRK-A, BRK-B)13F-HRFeb 14, 2013
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -57Deteriorating
60% conf

4 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 4 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

  • Going concern doubt: The term "going concern" appears in 23 recent filing(s) (vs 3 in the prior period). This risk language is ongoing.
  • Material weakness in internal controls: The term "material weakness" appears in 22 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
  • NEW: Substantial doubt about ability to continue in latest filing: The term "substantial doubt" "ability to continue" 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).
  • NEW: Restatement of financial statements in latest filing: The term "restate" "financial statements" 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).
  • Operating cash flow exceeds net income: OCF is 2.11x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
  • Endogenous analysis: 4 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • 2 new risk-language term(s) detected in filing text: Substantial doubt about ability to continue, Restatement of financial statements.
  • Ongoing high-severity risk language: Going concern doubt, Material weakness in internal controls.
Revenue
$88.39B
0.0% YoY
Net income
$19.14B
+40.0% YoY
Operating cash flow
$40.36B
+49.2% YoY
Total assets
$1.93T
-0.1% YoY
Total liabilities
$1.75T
+0.2% YoY
Long-term debt
$173.08B
-16.6% YoY
Cash & equivalents
$159.16B
-32.1% YoY
Stockholders equity
$179.12B
-3.6% YoY
Filing quality score
65/100
stable
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$88.39B$88.39B$00.0%
Net income$13.68B$19.14B$5.46B+40.0%
Operating cash flow$27.05B$40.36B$13.31B+49.2%
Total assets$1.93T$1.93T$-2.62B-0.1%
Total liabilities$1.75T$1.75T$3.75B+0.2%
Long-term debt$207.59B$173.08B$-34.51B-16.6%
Cash & equivalents$234.23B$159.16B$-75.07B-32.1%
Stockholders equity$185.74B$179.12B$-6.62B-3.6%
Accounts receivable$30.54B$19.61B$-10.93B-35.8%
Interest expense$7.96B$3.92B$-4.05B-50.8%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
RemovedCommonStockCapitalSharesReservedForFutureIssuance, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeconsolidationGainOrLossAmount, DeconsolidationRevaluationOfRetainedInvestmentGainOrLossAmount, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit, DeferredIncomeTaxExpenseBenefit
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Going concern doubthigh233Ongoing
Material weakness in internal controlshigh222Ongoing
Substantial doubt about ability to continuehigh10NEW
Restatement of financial statementshigh10NEW
Impairment chargemedium252Ongoing
Restructuringmedium9111Ongoing
Off-balance sheet arrangementsmedium1168Ongoing
Related party transactionslow300NEW
Filing signal breakdown
Red flags: 4
Positive: 1
Watch: 0
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Unlock the rest

  • Valuation
    Market cap $261.68B at $85.51 per share.
    Pro
  • Price & Technicals
    Price $85.51 — uptrend (above 200-DMA); 1-month momentum positive.
    Pro
  • Macro & Rates
    Market regime: Risk-on · Supportive.
    Pro
  • Risk Scorecard
    Composite risk: Elevated.
    Pro

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3 sections free · 4 Pro sections locked · composite -1

Macro exposure

Rate-sensitive · High sensitivity
Neutral

Macro regime: Risk-on · Supportive. Wells Fargo & Co. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%

Analytical read

deterministic preview

Price $85.51 — uptrend (above 200-DMA); 1-month momentum positive..

Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Open analytical workspace

Peer comparison

Rate-sensitive group

How WFC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

CompanyScoreMacro
Capital One Financial COF23Neutral
Chubb Ltd. CB23Neutral
U.S. Bancorp USB17Neutral
JPMorgan Chase & Co. JPM16Neutral
Prologis Inc. PLD14Neutral
Simon Property Group SPG13Neutral
American Express Co. AXP11Neutral
Bank of America Corp. BAC11Neutral
Visa Inc. V8Neutral
Mastercard Inc. MA8Neutral
Public Storage PSA8Neutral
Dominion Energy D6Neutral
Charles Schwab Corp. SCHW6Neutral
CME Group Inc. CME6Neutral
PNC Financial Services PNC4Neutral
Realty Income Corp. O4Neutral
Travelers Cos. TRV2Neutral
Duke Energy Corp. DUK0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Equity Residential EQR0Neutral
Wells Fargo & Co. WFC● you-1Neutral
Welltower Inc. WELL-1Neutral
Exelon Corp. EXC-3Neutral
NextEra Energy NEE-4Neutral
Xcel Energy XEL-5Neutral
American International Group AIG-5Neutral
Truist Financial TFC-5Neutral
Digital Realty Trust DLR-6Neutral
Allstate Corp. ALL-7Neutral
S&P Global SPGI-8Neutral
American Water Works AWK-9Neutral
Goldman Sachs Group GS-10Neutral
Citigroup Inc. C-11Neutral
Moody's Corp. MCO-13Neutral
Morgan Stanley MS-13Neutral
MetLife Inc. MET-13Neutral
Southern Company SO-15Neutral
BlackRock Inc. BLK-15Neutral
Equinix Inc. EQIX-16Neutral
American Electric Power AEP-18Neutral
Crown Castle Inc. CCI-18Neutral
American Tower Corp. AMT-39Neutral