Is WFC or ZION more undervalued in 2026?

CirclFi compares Wells Fargo & Company (WFC) and Zions Bancorporation N.A. (ZION) using 13 institutional-grade valuation models. WFC has a Quality of Company score of 7.0/10 while ZION scores 5.6/10.

Which is a better buy — WFC or ZION?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do WFC and ZION valuations compare?

WFC at $77.54 and ZION at $62.45 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

WFC vs ZION Valuation Comparison 2026 — Intrinsic Value Analysis

WFC

National Commercial Banks

Wells Fargo & Company

Quality

7.0

out of 10

Value Trap

SAFE

Price

$77.54

Last close

Models

10/13

Active

ZION

National Commercial Banks

Zions Bancorporation N.A.

Quality

5.6

out of 10

Value Trap

SAFE

Price

$62.45

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	WFC Fair Value	WFC Upside	ZION Fair Value	ZION Upside
Bayesian DCF	Intrinsic	$3.36	-95.7%	$32.59	-47.8%
Earnings Power Value	Intrinsic	$52.77	-32.0%	$42.26	-32.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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WFC vs ZION — Which Stock Is More Undervalued?

WFC scores higher with a 7.0/10 quality rating vs ZION's 5.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Wells Fargo & Company (WFC) and Zions Bancorporation N.A. (ZION) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. 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.

WFC currently trades at $77.54 with a QOC of 7.0/10, while ZION trades at $62.45 with a QOC of 5.6/10.

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 Topology), and ensemble methods (CUCE).