Wells Fargo & Company

WFC

Banks - Diversified · Financial Services

Price

$87.25

+0.16 (+0.18%)

Market Cap

$263.84B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 9, 2026 · filings through Jun 30, 2026

Share count falling — buybacks

−21.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 4.10B (2021) → 3.22B (2025)

Wells Fargo is one of the largest banks in the United States. It offers everyday banking services like checking accounts, savings accounts, mortgages, and credit cards to regular people. It also serves businesses by providing loans, investment banking, and wealth management services.

Wells Fargo makes money by collecting interest on loans and charging fees for its many financial services. It operates almost entirely in the U.S., with thousands of physical branches and ATMs across the country, making it one of the most recognizable bank brands in America. The bank's large customer base and nationwide branch network give it a stable foundation, but it has operated under a Federal Reserve asset cap since 2018 — a regulatory penalty tied to a fake accounts scandal — which limits how large its balance sheet can grow until regulators lift the restriction.

Winston Score History

Politician Trades

39 trades / 12mo

22 Congressional buys and 17 sells on WFC in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+11.3% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+25.5% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.0T cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Wells Fargo & Company is a rare growth stock that's already generating positive cash flow while growing at 11%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on Equity

13.8%

no trend

Strong — 13.8% return on equity

Standard mid-range return on equity. Acceptable.

Net Interest Margin

3.14%

no trend

Wide spread — 3.14% net interest margin

Efficiency Ratio

56.7%

no trend

Efficient — 56.7% efficiency ratio

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Growth

Sales YoY

+5.8%

Slow sales growth (+5.8% YoY)

EPS YoY

+18.8%

Earnings growing fast (+18.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Capital Ratio

12.6%

no trend

Fortress balance sheet — 12.6% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Non-Performing Loans

1.18%

no trend

Some stress — 1.18% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Net Charge-Offs

0.45%

no trend

Moderate — 0.45% net charge-offs

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Valuation

P/E Ratio (TTM)

12.4x

Attractive valuation — P/E 12.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.5

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

2.07%

Moderate income — 2.07% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+12.5%

Dividend growing fast (12.5% YoY)

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