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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)

FY	Revenue	Rev YoY	Gross%	Op%	Net%	FCF	ROE%
2016	—	—	—	—	—	—	11.95
2017	$88.39B	—	0.00	0.00	25.90	—	11.47
2018	$88.27B	-0.1%	0.00	0.00	24.85	—	10.60
2019	$88.39B	+0.1%	0.00	0.00	25.10	—	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 end	Revenue	YoY	QoQ	Net 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 (%)

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)

Insider net

—

0B/0S

13F filers

10k+

Activist 13D

Recent 13F institutional filers (SEC EDGAR full-text)

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

Sources:SEC EDGAR — Company Filings SEC 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)

Metric	Prior year	Latest year	Change	% Change
Revenue	$88.39B	$88.39B	$0	0.0%
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)

Type	Concepts
Removed	CommonStockCapitalSharesReservedForFutureIssuance, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeconsolidationGainOrLossAmount, DeconsolidationRevaluationOfRetainedInvestmentGainOrLossAmount, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit, DeferredIncomeTaxExpenseBenefit

Risk language in filing text (EDGAR full-text search)

Term	Severity	Recent	Prior	Status
Going concern doubt	high	23	3	Ongoing
Material weakness in internal controls	high	22	2	Ongoing
Substantial doubt about ability to continue	high	1	0	NEW
Restatement of financial statements	high	1	0	NEW
Impairment charge	medium	25	2	Ongoing
Restructuring	medium	91	11	Ongoing
Off-balance sheet arrangements	medium	116	8	Ongoing
Related party transactions	low	30	0	NEW

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.

Company	Score	Macro
Capital One Financial COF	23	Neutral
Chubb Ltd. CB	23	Neutral
U.S. Bancorp USB	17	Neutral
JPMorgan Chase & Co. JPM	16	Neutral
Prologis Inc. PLD	14	Neutral
Simon Property Group SPG	13	Neutral
American Express Co. AXP	11	Neutral
Bank of America Corp. BAC	11	Neutral
Visa Inc. V	8	Neutral
Mastercard Inc. MA	8	Neutral
Public Storage PSA	8	Neutral
Dominion Energy D	6	Neutral
Charles Schwab Corp. SCHW	6	Neutral
CME Group Inc. CME	6	Neutral
PNC Financial Services PNC	4	Neutral
Realty Income Corp. O	4	Neutral
Travelers Cos. TRV	2	Neutral
Duke Energy Corp. DUK	0	Neutral
Bank of New York Mellon BK	0	Neutral
Marsh & McLennan MMC	0	Neutral
Equity Residential EQR	0	Neutral
Wells Fargo & Co. WFC● you	-1	Neutral
Welltower Inc. WELL	-1	Neutral
Exelon Corp. EXC	-3	Neutral
NextEra Energy NEE	-4	Neutral
Xcel Energy XEL	-5	Neutral
American International Group AIG	-5	Neutral
Digital Realty Trust DLR	-6	Neutral
Allstate Corp. ALL	-7	Neutral
S&P Global SPGI	-8	Neutral
American Water Works AWK	-9	Neutral
Goldman Sachs Group GS	-10	Neutral
Citigroup Inc. C	-11	Neutral
Moody's Corp. MCO	-13	Neutral
Morgan Stanley MS	-13	Neutral
MetLife Inc. MET	-13	Neutral
Southern Company SO	-15	Neutral
BlackRock Inc. BLK	-15	Neutral
Equinix Inc. EQIX	-16	Neutral
American Electric Power AEP	-18	Neutral
Crown Castle Inc. CCI	-18	Neutral
American Tower Corp. AMT	-39	Neutral
Truist Financial TFC	—	Neutral