What is Wells Fargo & Company (WFC) DCF Fair Value and Intrinsic Value in 2026?

Wells Fargo & Company (WFC) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Wells Fargo & Company's historical Return on Invested Capital (ROIC) and Moat Rating?

Wells Fargo & Company operates in the Financials sector (Banks - Diversified) with an economic moat rating of NARROW. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Wells Fargo & Company's financial health rating and Piotroski F-Score?

Wells Fargo & Company's balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Wells Fargo & Company (WFC) for quarterly SEC filing thesis breaks?

LocalAlpha audits Wells Fargo & Company's 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksWFC

WFC

Wells Fargo & CompanyFinancial Services / Banks - DiversifiedINTACT

Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. It also provides personalized wealth management, brokerage, financial planning, lending, private banking, trust and fiduciary products and services; and financial solutions to private, family owned and public companies through products and services including banking and credit products across multiple industry sectors and municipalities, secured lending and lease products, and treasury management. In addition, it offers a suite of capital markets, banking, and financial products and services, such as corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services to corporate, commercial real estate, government, and institutional clients. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

Share Price

$90.29

52W: $72.78 - $97.76

DCF Fair Value

$214.67

+57.9% MoS

Thesis Hub

P/E (TTM)

13.1x

ROIC

28.1%

Operating Margin

37.4%

FCF Yield

7.2%

Debt / Equity

0.65x

Piotroski Score

7/9

Altman Z-Score

4.39

Market Cap

$273B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$214.67

MOS Buy Target (-25%)

$161.00

Valuation Overlays: DCF Fair Value ($214.67) 25% MOS Buy Target ($161.00) Revised Graham ($230.82) Graham Number ($90.74)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$90.29

DCF Fair Value

$214.66

+57.9% MoS

Starting Free Cash Flow ($M)$19,765M

$100M$19,765M (Reported)$50,000M

Stage 1 Growth (Years 1-5)18.0%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)-$17,900M (Net Cash)

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$255.9B

PV of Terminal Value

$375.3B

Implied Enterprise Value

$631.2B

Implied Equity Value

$649.1B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$23,323	$27,521	$32,475	$38,320	$45,218	$47,252	$49,379	$51,601	$53,923	$56,349
Present Value (PV)	$21,397	$23,164	$25,076	$27,147	$29,388	$28,175	$27,012	$25,897	$24,828	$23,803

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+0.5%

$90.74

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $6.88BVPS: $53.19

Revised Graham Formula+60.9% MoS

$230.82

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings6.9% Yield

$6.21 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $18.8BYield: 6.9%

Reverse DCF: Market Growth Expectation

EXTREMELY LOW BARRIER

0.7% CAGR (Next 10 Yrs)

At the current price of $90.29, the market is assuming the business will compound Free Cash Flow at 0.7% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil WFC with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Wells Fargo & Company. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 37.4% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Wells Fargo & Company (WFC) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Wells Fargo & Company.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Wells Fargo & Company has an estimated DCF intrinsic fair value of $214.67 per share compared to its current market price of $90.29. This represents an estimated 57.9% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $90.74.