Wells Fargo & Company research snapshot
WFC AI stock analysis reads Wells Fargo & Company as a large U.S. bank with a cleaner regulatory path, accelerating loan and deposit growth, improving credit quality, and a still-cyclical earnings base. At the August 2, 2026 data cutoff, WFC traded near $86.45 with market capitalization near $261.42 billion. The AI analysis gives WFC a medium-high score because the franchise has national deposit scale, a broad branch and digital network, wealth management, cards, commercial banking, and investment banking upside, and Q2 2026 delivered broad-based revenue growth with lower charge-offs. The WFC AI stock forecast uses scenarios, not a single promised price target, because bank earnings depend on rates, net interest margin, credit costs, capital rules, loan growth, and investor confidence. This page is informational research and not investment advice.
Current price
$86.45
Market cap
$261.42 billion
AI score
76 / 100
Rating
Improving large-bank turnaround with broad-based growth and lower credit costs, still exposed to margin, rate, and valuation risk
Trend status
Constructive medium-term trend, price above the 50-day and 200-day moving averages but below the January 2026 high of $97.76
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Wells Fargo earns from consumer banking, deposits, cards, auto lending, mortgage banking, commercial banking, corporate and investment banking, markets, and wealth management. | High |
| Moat | The moat comes from national deposit scale, branch and digital reach, trusted customer relationships, regulatory licenses, balance-sheet capacity, treasury services, and wealth distribution. | Medium-high |
| Management | Charlie Scharf has led a multi-year cleanup, cost program, and regulatory remediation effort. The Fed asset cap was removed in 2025 and the 2018 Fed enforcement action was terminated in March 2026, and Q2 2026 delivered revenue growth across all four operating segments. | Medium-high |
| Financial trend | FY2025 net income was $20.285 billion. Q2 2026 total revenue was $22.622 billion and net income was $6.407 billion, with diluted EPS up 25% from a year ago on lower charge-offs. | High |
| Valuation | At $86.45 and about $6.88 TTM EPS, financial_rigor.py calculates about 12.57x earnings, 1.59x book value, 12.64% implied ROE on book value per share, and a 2.31% dividend yield. | High |
| Technical trend | WFC was above its 50-day and 200-day moving averages, while RSI near 53 was not overbought. The setup is constructive but not a low-risk entry because price remains below the January 2026 high of $97.76. | Medium |
| Risk level | Main risks are net interest margin pressure, credit losses, deposit-cost pressure, consumer stress, capital regulation, operational control failures, legal costs, and recession sensitivity. | Medium-high |
| AI confidence | High for reported facts and audited calculations. Medium for the WFC AI stock forecast because bank stocks can reprice quickly when credit, rates, liquidity, or regulatory trust changes. | High data confidence |
| Investment certainty | Medium certainty. The franchise is real and the turnaround has evidence, but the stock still needs durable loan growth, net interest margin stability, controls, and credit quality to justify higher valuation. | Medium |
WFC AI stock forecast
The WFC AI stock forecast uses scenario math around the $86.45 quote and about $6.88 TTM EPS. A three-year framework audited with financial_rigor.py produced a bullish value near $128, a base value near $105, and a bearish value near $65 before dividends. The wide range reflects the sensitivity of bank stocks to loan growth, net interest margin, credit costs, capital rules, and investor trust in Wells Fargo execution.
$124 to $131
More likely if EPS compounds near 10% a year, loan and deposit growth continues, net interest margin stabilizes as management guided, credit losses stay low, buybacks keep cutting the share count, and investors value WFC near 14x earnings.
$100 to $110
More likely if EPS grows near 7% a year, net interest income improves modestly, fee income keeps growing, expenses remain disciplined, and the market applies about 12.5x earnings.
$60 to $70
More likely if unemployment rises, consumer charge-offs climb, the net interest margin keeps falling, deposit costs pressure margins, capital requirements tighten, or investors reprice WFC closer to 10x earnings with little growth.
WFC AI technical analysis
WFC AI technical analysis was constructive as of the August 2, 2026 data cutoff. StockAnalysis showed WFC at $86.45 at the July 31, 2026 close, above the 50-day moving average near $83.43 and the 200-day moving average near $84.81, with 14-day RSI near 53.07. The 52-week range was $72.78 to $97.76, so the stock sits in the middle of that range after pulling back from the January 2026 high. Levels are presented as zones rather than false precision because moving averages shift every session.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $86.45 | StockAnalysis quote snapshot at the July 31, 2026 close, used for market cap and valuation math at the August 2, 2026 cutoff. |
| Near support | $84.50 to $85.00 | The 200-day moving average area near $84.81 is the first support zone to watch. |
| Secondary support | $83.00 to $83.50 | The 50-day moving average zone near $83.43 is the deeper trend support area. |
| Near resistance | $87.50 to $88.50 | This band sits above the recent trading range and is the first short-term resistance zone to clear. |
| Major resistance | $97 to $98 | The 52-week high of $97.76 from January 2026 is the major overhead resistance area. |
| 50-day moving average | $83.43 | StockAnalysis showed price above this average, supporting a constructive but not extended setup. |
| 200-day moving average | $84.81 | Price was above the long-term average, keeping the primary trend positive. |
| Momentum | 14-day RSI 53.07 | RSI was near neutral, not overbought and not oversold, leaving room in either direction. |
| Volume | Near the 20-day average on July 31 | StockAnalysis reported about 14.78 million shares traded on July 31 versus a 20-day average near 15.27 million shares. |
| Volatility | Bank-cycle sensitive | Volatility can expand around earnings, Fed policy, credit data, capital-return news, regulatory headlines, and macro stress. |
| Invalidation | Close below $84.81, then $83.43 | A close below the 200-day area would weaken the medium-term setup. A break below the 50-day area would signal broader trend damage. |
WFC AI trading strategy
The WFC AI trading strategy is a rules-based framework for a regulated large bank in a growth phase. It is not personalized advice and should be paired with live chart data, earnings releases, credit trends, regulatory updates, Fed policy, and defined invalidation levels.
Watch for WFC to hold the $84.50 to $85.00 moving-average zone and then clear the $87.50 to $88.50 resistance band on above-average volume, with confirmation from large-bank strength.
A failed breakout back below the 200-day moving average zone near $84.81 should invalidate the near-term trend setup.
If WFC pulls back toward the $83.00 to $83.50 area without a new credit, regulatory, or margin shock, compare price weakness with net interest income, charge-offs, deposits, and capital-return commentary.
Do not treat the asset-cap removal as a substitute for risk control. Bank stocks can fall quickly when credit confidence or rates change.
Track net interest income, net interest margin, loan and deposit growth, net charge-offs, allowance coverage, CET1 capital, book value per share, buybacks, card growth, wealth fees, investment banking fees, expenses, and dividend policy.
Reduce confidence if earnings growth relies mainly on multiple expansion while credit costs, deposit beta, or net interest margin move against the thesis.
Investment research summary
Wells Fargo earns when households, small businesses, corporations, and wealthy clients store money, borrow, pay, invest, manage risk, and buy banking advice across a national branch and digital network.
The moat is built from deposit relationships, branch density, digital banking scale, regulatory licenses, treasury services, wealth distribution, and the trust premium that a national, regulated bank builds over decades.
The thesis fails if credit losses rise sharply, deposit costs stay high, net interest margin keeps falling, controls weaken again, regulators restrict growth or capital return, or the bank chases loan growth at the wrong point in the cycle.
Charlie Scharf has moved Wells Fargo from a regulatory penalty box into a growth phase, with all four segments growing revenue in Q2 2026. The next test is whether the bank keeps risk discipline while converting the asset-cap removal into durable returns.
Large U.S. banks benefit from digital banking, payments, wealth management, commercial treasury demand, and consolidation pressure, but the sector remains cyclical, capital intensive, and tightly regulated.
At about 12.6x earnings and 1.59x book value, WFC is priced as a recovering quality bank rather than a distressed bank. Margin of safety improves if the stock pulls back while loan growth, credit quality, deposits, and capital return remain solid.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| Current price | $86.45 at the July 31, 2026 close | StockAnalysis WFC overview | August 2, 2026 |
| Market capitalization | $261.42 billion, verified as $86.45 x 3.02 billion shares with 0.13% variance | StockAnalysis and financial_rigor.py market cap verification | August 2, 2026 |
| Shares outstanding | 3.02 billion, down 5.98% year over year | StockAnalysis WFC statistics | August 2, 2026 |
| Q2 2026 results | $22.622 billion total revenue, $6.407 billion net income, $2.00 diluted EPS | Wells Fargo Q2 2026 earnings release | August 2, 2026 |
| Q2 2026 credit quality | Net charge-offs of $883 million, 0.34% of average loans, down from 0.44% a year ago | Wells Fargo Q2 2026 earnings release | August 2, 2026 |
| FY2025 net income | $20.285 billion, +9.02% year over year, matching Macrotrends | Macrotrends WFC net income | August 2, 2026 |
| TTM net income and EPS | $21.62 billion TTM net income and $6.88 TTM EPS | StockAnalysis WFC statistics | August 2, 2026 |
| Book value per share | $54.43, implying a 1.59x price-to-book ratio | StockAnalysis WFC statistics | August 2, 2026 |
| Dividend | Quarterly dividend raised 11% to $0.50 per share, about $2.00 annualized, 2.31% yield | StockAnalysis WFC statistics and Wells Fargo newsroom | August 2, 2026 |
| Regulatory milestone | The Federal Reserve terminated the 2018 enforcement action on March 5, 2026; the asset cap was removed in 2025 | Federal Reserve press release | August 2, 2026 |
| Technical levels | 50-day moving average $83.43, 200-day moving average $84.81, RSI(14) 53.07 | StockAnalysis WFC statistics | August 2, 2026 |
| 52-week range and volume | $72.78 to $97.76 52-week range, and about 14.78 million shares traded on July 31 versus a 15.27 million 20-day average | StockAnalysis WFC statistics and overview | August 2, 2026 |
| Analyst consensus | Buy rating with an average price target of $100.02 from 26 analysts | StockAnalysis WFC forecast | August 2, 2026 |
This WFC AI stock analysis page is an informational research tool, not investment advice, financial advice, or a recommendation to buy or sell Wells Fargo & Company stock. Forecast scenarios are based on available public data, source checks, and explicit assumptions as of the data cutoff, and they may be wrong. Always verify current filings, prices, risk factors, and your own objectives before making financial decisions.
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