SMFG vs WFC

Sumitomo Mitsui Financial Group vs Wells Fargo & Company — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — SMFG scores higher on quality with 7.2/10 vs WFC's 7.0/10. SMFG trades at $22.74 while WFC trades at $79.44. Both analyzed daily using SEC EDGAR data across 13 institutional models.

SMFG

Banks - Diversified
Sumitomo Mitsui Financial Group
Quality
7.2
out of 10
Value Trap
26
LOW
Price
$22.74
Last close
Models
10/13
Active
VS

WFC

Banks - Diversified
Wells Fargo & Company
Quality
7.0
out of 10
Value Trap
22
SAFE
Price
$79.44
Last close
Models
10/13
Active
SMFG
Earnings Power Value sees +410.2% upside
Limited to 2/13 visible models
WFC
2 models active
Limited to 2/13 visible models

SMFG vs WFC — Fair Value Comparison

SMFG
$0$46$91$137 Price$22.74 Earnings …$116.03 (+410.2%) First Chi…$92.18 (+305.4%)
WFC
$0$31$62$94 Price$79.44 Bayesian …$3.55 (-95.5%) Earnings …$51.54 (-35.1%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType SMFG Fair ValueSMFG Upside WFC Fair ValueWFC Upside
Bayesian DCF Intrinsic $3.55 -95.5%
Earnings Power Value Intrinsic $116.03 +410.2% $51.54 -35.1%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $92.18 +305.4% $101.47 +27.7%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

SMFG vs WFC — Which Stock Is More Undervalued in 2026?

SMFG scores higher with a 7.2/10 quality rating vs WFC's 7.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do SMFG and WFC Valuations Compare?

SMFG currently trades at $22.74 while WFC trades at $79.44. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily for both companies.

Quality of Company: SMFG vs WFC

SMFG earns a Quality of Company score of 7.2/10 compared to WFC's 7.0/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: SMFG vs WFC

SMFG carries a LOW value trap risk (26/100) while WFC shows SAFE risk (22/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Diversified

Both SMFG and WFC operate in Banks - Diversified, which has 17 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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