WFC Stock Analysis: Buy, Sell, or Hold?
WFC - Wells Fargo & Co.
$90.49
-0.15 (-0.17%)
▼
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 14, 2026
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1 traders called WFC this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: WFC shows positive signals but monitor for confirmation. Market pricing in 3.0% decline. Moderate conviction.
💡 BUY OPPORTUNITY: WFC shows positive signals but monitor for confirmation. Market pricing in 3.0% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$151.56
Based on 8.9% avg growth
INTRINSIC VALUE TODAY
$94.10
3.8% Margin of Safety
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 12.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WFC is currently trading at $90.49, which is considered fair relative to its 30-day fair value range of $88.56 to $95.45. The stock's valuation (Forward PE: 11.4) is in line with its historical norms (12.5). Remarkably, the market is currently pricing in an annual earnings decline of 3.0% over the next few years. This pessimistic expectation contrasts with the company's recent 13.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WFC is in a strong uptrend. The price is approaching resistance at $91.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $100.48 (+10.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WFC is in a strong uptrend. The price is approaching resistance at $91.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $100.48 (+10.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$88.56 -
$95.45
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($100.48)
Fair Price Analysis
30-Day Fair Range
$88.56 -
$95.45
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$86.03
Resistance Level
$91.05
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
11.40
Wall Street Target
$100.48
(+10.9%)
Revenue Growth (YoY)
5.0%
Earnings Growth (YoY)
13.0%
Profit Margin
26.7%
Valuation Discount vs History
-3.0% cheaper
PE vs Historical
11.4 vs 12.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.0%
(market-implied from PE analysis)
1-Year Target
$87.92
(-3%)
2-Year Target
$85.28
(-6%)
3-Year Target
$82.72
(-9%)
3-Yr Target (if PE normalizes)
(PE: 11→13)
$90.75
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 13.7%)
$260.84
(+188%)
Base:
(SPY PE: 11.4, Growth: 13.7%)
$133.28
(+47%)
Bear:
(PE: 9.7, Growth: 13.7%)
$113.29
(+25%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 14.17 | Current EPS (TTM): $6.26
Bull Case
$124.00
(+37%)
Analyst growth 27.1%, PE expands to 15.6
Base Case
$112.73
(+24%)
Market implied 27.1%, PE stable at 14.2
Bear Case
$60.32
(-33%)
Severe decline -20.0%, PE contracts to 12.1
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 11.4 to 12.5
Stabilization Target:
$99.43
(+9.7%)
PE Expansion Potential:
+9.7%
Last updated: January 30, 2026 4:11 PM ET
Data refreshes hourly during market hours. Next update: 5:11 PM
Data refreshes hourly during market hours. Next update: 5:11 PM
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Technical Signals Check
Is WFC showing a specific setup today?
Insider Activity (6 Months)
2
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
BUY
2025-09-25
Val T. Hoyle
SELL
2025-09-23
Mitch McConnell
BUY
2025-09-01
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Professional options setups generated by AI based on today's WFC price and gamma walls.
