WFC · sample dossier
Wells Fargo & Co.
50/100
OutdatedGenerated Oct 10, 2026 · 10:00 AM UTC · 3 hours ago
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EquityWells Fargo & Co.XNYS
Decision context
HOLD
70% convictionScore 50 · Hold
A mixed picture — no strong reason to buy or sell right now.
The stock trades 15.3% below our estimate.
Current price
$83.55
Estimated value range
$86.31 – $98.16
Gap vs AlphaDog estimate
+15.3%
Narrow evidence — range rests on a single usable method.
The stock trades at a discount, but execution uncertainties suggest waiting for a clearer catalyst.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-6.6%
3 months
-4.7%
6 months
-2.2%
1 year
+4.8%
Financial trajectory
Executive summary & thesis
Wells Fargo & Co. is a national banking organization with a market capitalization of $252.66B, trading at a price-to-earnings multiple of 11.92 and a price-to-book ratio of 1.53.
- Quarterly EPS grew 25.0% YoY, confirming strong operating leverage and earnings expansion.
- WFC trades at an 11.92 P/E, discounted against peers Citigroup (14.0 P/E) and JPMorgan Chase (14.3 P/E).
- Cash generation is supported by $6.23 in free cash flow per share and a 27.2% net margin.
- Asset profitability is low with an ROA of 1.1%, trailing peer banking efficiency on a $252.66B market capitalization.
- Momentum is negative with a -6.6% 1-month return and the stock trading below both MA50 and MA200.
- Leverage and valuation metrics are incomplete as EV/EBITDA and Debt/Equity remain Not publicly available in reported data.
Things to keep in mind
- 1P/E 11.9xView source
- 2Asset profitability is low with an ROA of 1.1%, trailing peer banking efficiency on a $252.66B market capitalization.View source
- 3Momentum is negative with a -6.6% 1-month return and the stock trading below both MA50 and MA200.View source
What to watch next
Factor profile
Value-sensitive setup
| Factor | Score |
|---|---|
| Quality | 35 out of 100 (Weak). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 55 out of 100 (Neutral). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 80 out of 100 (Strong). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 55 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 24 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the WFC story
The prevailing consensus and debate victory treat Wells Fargo's discounted 11.92 P/E and 1.53 P/B ratio as an unearned valuation buffer rather than an accurate discount for operational underperformance.
Both bulls and synthesis analysts extrapolate trailing 25.0% EPS growth and a 27.2% net margin from Q2 2026 reporting that is now over 90 days stale as of October 10, 2026. This optimism ignores that balance-sheet productivity is structurally depressed, generating an ROA of just 1.1% across a $252.66B market capitalization. Furthermore, the consensus completely overlooks missing leverage data, as Debt/Equity remains unreported while the stock has broken down below both its 50-day and 200-day moving averages. Relying on an unproven assumption that revenue growth will maintain a 10.0% pace ignores the market's severe pricing penalty, evidenced by a 1-month return of -6.6% and a momentum score of 24.4 out of 100 in the 0th peer percentile.
Complete absence of Debt/Equity and EV/EBITDA reporting conceals balance sheet leverage and funding cost exposures while asset returns stagnate at an ROA of 1.1%.
Consensus fundamental appraisals rely on second-quarter financial filings from July 14, 2026, which are over 90 days old and stale as of October 10, 2026.
The adversarial debate ignored credit quality, deposit beta shifts, and provisioning risk entirely, allowing the bull side to prevail purely against superficial Item 7.01 Reg FD filing citations.
Extrapolating 25.0% YoY quarterly EPS growth (from $1.60 to $2.00) and 10.0% revenue growth as structural earnings power without accounting for cycle peak depository margins.
Treating the 27.2% net profit margin and $6.23 free cash flow per share as proof of balance-sheet resilience despite asset utilization lagging peer efficiency at an ROA of 1.1%.
Labeling the 11.92 P/E as cheap relative to Citigroup (14.0 P/E) and JPMorgan Chase (14.3 P/E) rather than acknowledging that the 1.53 P/B multiple already reflects a premium over asset efficiency.
Quarterly revenue growth YoY falls below 10.0%.
Quarterly EPS growth YoY decelerates below 25.0%.
Cash after investing
Cash-flow details are thin for WFC — check the Financials tab when you can.
- Quarterly revenue growth YoY falls below 10.0%.
- Quarterly EPS growth YoY decelerates below 25.0%.
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
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