WFC
Wells FargoNYSEFinancialsBanks - DiversifiedSnapshot 2026-05-08
As of May 8, 2026, WFC has a composite score of 5.1, indicating a mixed signal with medium confidence at 76.6. The score is influenced by various factors, including a macro score of -7.7 and a sector score of 14.6. Key drivers include macroeconomic conditions related to rates, growth, labor, and inflation. The analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)-0.05
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $1.76 → $1.69 (-3.5% / 30d). 1 raised, 16 cut, 18 covering analysts.
0 upgrades, 0 downgrades / 30d, 4 maintained. 64% of analysts rate Buy.
4 PT revisions / 30d. Avg target 19.4% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
1 material event in the last 24 months — top 1 listed below.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Maintain net interest income guidancegrowthmixed65% progress
4/14: “Expect 2026 net interest income (NII) to be +/- $50 billion, unchanged from prior guidance.”
Why this status
Stated in 2 of last 2 quarters. Expect 2026 net interest income (NII) to be +/- $50 billion, unchanged from prior guidance. The financials show a consistent focus on maintaining this guidance, indicating a stable trajectory.
- 2.Control noninterest expensescostbehind0% progress
4/14: “Expect 2026 noninterest expense to be ~$55.7 billion, unchanged from prior guidance.”
Why this status
Stated in 3 of last 3 quarters. Expect 2026 noninterest expense to be ~$55.7 billion, unchanged from prior guidance. The financials indicate limited progress in controlling expenses, as the guidance remains unchanged despite previous increases.
- 3.Increase common stock dividendcapital allocationwatchprovisional
7/15: “We expect to increase our third quarter common stock dividend to $0.45 per share.”
Why this status
Newly stated in 2025-Q3. The company plans to increase the common stock dividend to $0.45 per share. This reflects a focus on enhancing shareholder returns, but the financials do not yet show the impact of this increase.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 32%; 252d 27%.
Drawdown — Max 1y −23%. Bad day move −3%.
Beta to sector ETF (XLF) — 1.31 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 56/100, drawdown 55/100, beta 69/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Maintain net interest income guidance
GrowthNew since 2026-05-04Continue to maintain net interest income guidance for 2026.
On track →MixedStated in 2 of last 2 quarters. Expect 2026 net interest income (NII) to be +/- $50 billion, unchanged from prior guidance. The financials show a consistent focus on maintaining this guidance, indicating a stable trajectory.
65%CEO/CFO:“Expect 2026 net interest income (NII) to be +/- $50 billion, unchanged from prior guidance.”Multiple sourcesSource dated 2026-04-14Stated 2 of last 8 quartersFirst seen 2026-05-04Show history (2)
- 2026-Q1Multiple sources
“Expect 2026 net interest income (NII) to be +/- $50 billion, unchanged from prior guidance.”
- 2025-Q4Multiple sources
“2026 NII excluding Markets1 is expected to increase from 2025 driven by growth in the balance sheet.”
- #2
Control noninterest expenses
CostNew since 2026-05-04Focus on controlling noninterest expenses to meet financial targets.
BehindStated in 3 of last 3 quarters. Expect 2026 noninterest expense to be ~$55.7 billion, unchanged from prior guidance. The financials indicate limited progress in controlling expenses, as the guidance remains unchanged despite previous increases.
0%CEO/CFO:“Expect 2026 noninterest expense to be ~$55.7 billion, unchanged from prior guidance.”Multiple sourcesSource dated 2026-04-14Stated 3 of last 8 quartersFirst seen 2026-05-04Show history (3)
- 2026-Q1Multiple sources
“Expect 2026 noninterest expense to be ~$55.7 billion, unchanged from prior guidance.”
- 2025-Q4Multiple sources
“Expect 2025 noninterest expense to be ~$54.6 billion, up from prior guidance.”
- 2025-Q3Multiple sources
“Expect 2025 noninterest expense to be ~$54.2 billion, unchanged from prior guidance.”
- #3
Increase common stock dividend
Capital allocationNew since 2026-05-04Plan to increase the common stock dividend to enhance shareholder returns.
WatchNewly stated in 2025-Q3. The company plans to increase the common stock dividend to $0.45 per share. This reflects a focus on enhancing shareholder returns, but the financials do not yet show the impact of this increase.
Increase our third quarter common stock dividend to $0.45 per shareNo scoreCEO/CFO:“We expect to increase our third quarter common stock dividend to $0.45 per share.”Multiple sourcesSource dated 2025-07-15Stated 1 of last 8 quartersFirst seen 2026-05-04provisionalShow history (1)
- 2025-Q3Multiple sources
“We expect to increase our third quarter common stock dividend to $0.45 per share.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Cheaper than its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
WFC Wells Fargo | +5.1 | fair | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently REAFFIRMED as of 2026-04-14)+4.0 pts
- If next-quarter guidance is cut (currently REAFFIRMED as of 2026-04-14)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-309d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. The Company held its annual meeting of shareholders on April 28, 2026 (“2026 Shareholder Meeting”). At the 2026 Shareholder Meeting, shareholders approved an amendment and restatement of the Company’s 2022 Long-Term Incentive Plan (the “Plan”). A description of the material terms and conditions of the Plan appears under “Executive Compensation – It…
executive changeneutralscore 46
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.