Is WFC stock a Buy, Sell, or Hold?

Based on our analysis, WFC is currently a WAIT with low confidence. 📊 MIXED SIGNALS: WFC shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of WFC stock?

Our analysis estimates the fair value range for WFC to be between $80.80 and $83.90. The current price is $85.53.

What is the analyst price target for WFC?

The average Wall Street analyst price target for WFC is $97.38. This implies a potential upside of 13.8% from current levels.

Wells Fargo & (WFC) Stock: Buy, Sell, or Hold?

WFC - Wells Fargo & Co.

NATIONAL COMMERCIAL BANKS

$85.53

-0.36 (-0.42%) ▼

5d: +3.47%

30d: +5.02%

90d: -4.08%

WAIT

LOW Confidence

Protect Your WFC Gains

Analysis Updated: Nov 3, 2026 12:00 AM ET

Earnings: Oct 13, 2026 0d

Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Oct 30, 2026 at $83.40 · last confirmed Nov 3, 2026

Strength: 9.8/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 MIXED SIGNALS: WFC shows conflicting indicators. Wait for confirmation before entering.

See Forward Earnings Fair Value & Price Prediction →

WFC is flagged by 1 backtest-validated scanner today

SPY Bullish (stocks from this scanner have beaten SPY by a median 0.37% over the next 20 trading days; WFC has been on it 1 day). Backtested on 8 months of scanner history vs the S&P 500, as of 2026-11-03.

See all of today's Best Signals in the free scanner →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 9.8%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$121.44

Based on 6.9% avg growth

INTRINSIC VALUE TODAY

$75.40

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.8x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: WFC is currently trading at $85.53, which is considered extended relative to its 30-day fair value range of $80.80 to $83.90. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (10.8). Remarkably, the market is currently pricing in an annual earnings decline of 0.7% over the next few years. This pessimistic expectation contrasts with the company's recent 12.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.

Technical Outlook: Technically, WFC is in a downtrend. The price is approaching resistance at $86.03. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: WFC scores 60/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $97.38 (+13.8%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $80.80 - $83.90

Company Quality Score 50/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 59.5%

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All Signals

BEARISH: Price extended above range
BULLISH: Strong technical setup (60/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($97.38)
WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $80.80 - $83.90

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $81.02

Resistance Level $86.03

Current Trend Downtrend

Technical data as of Nov 3, 2026

Fundamental Context

Forward P/E (Next Year Est.) 10.61

Wall Street Target $97.38 (+13.8%)

Revenue Growth (YoY) 0.4%

Earnings Growth (YoY) 12.7%

Profit Margin 27.6%

Valuation Discount vs History -0.7% cheaper

PE vs Historical 10.6 vs 10.8 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -0.7% (market-implied from PE analysis)

1-Year Target $84.93 (-1%)

2-Year Target $84.34 (-1%)

3-Year Target $83.75 (-2%)

3-Yr Target (if PE normalizes) (PE: 11→11) $85.25 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 9.8%) $212.00 (+148%)

Base: (SPY PE: 10.6, Growth: 9.8%) $113.25 (+32%)

Bear: (PE: 9.0, Growth: 9.8%) $96.26 (+13%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.

Trailing PE: 12.11 | Current EPS (TTM): $7.09

Bull Case $107.43 (+26%)

Analyst growth 13.7%, PE expands to 13.3

Base Case $97.66 (+14%)

Market implied 13.7%, PE stable at 12.1

Bear Case $58.40 (-32%)

Severe decline -20.0%, PE contracts to 10.3

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

💡 Upside Surprise Potential

If earnings stabilize (0% growth), PE could expand from 10.6 to 10.8

Stabilization Target: $87.07 (+1.8%)

PE Expansion Potential: +1.8%

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Last updated: November 03, 2026 11:55 PM ET
Data refreshes hourly during market hours. Next update: 12:55 AM

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