Wells Fargo & Company (WFC) Fair Value 2026

WFC · Banks - Diversified ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.3 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (22/100)

Quick Summary — As of 2026-08-28, Wells Fargo & Company (WFC) trades at $86.69, versus a $100.72 median fair value across its 6 active models — 16.2% above the current price. QOC: 8.3/10. Value Trap Risk: 22/100 (SAFE). 6/13 models active.

Key Facts

Ticker
WFC
Price
$86.69
Quality Score
8.3/10
Value Trap Risk
22/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +53.1% upside with 54% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is Wells Fargo & Company (WFC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Wells Fargo & Company (WFC) appears undervalued as of : the median of 6 independent fair value estimates is $100.72, 16.2% above the current price of $86.69. Estimates range from $52.51 to $152.33. WFC scores 8.3/10 on fundamental quality and 22/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. WFC’s +16.2% gap is narrower than that market norm, and the Banks - Diversified sector median is -10.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Wells Fargo & Company Stock in 2026? →

What Fair Value Does Each Model Give WFC?

6 Intrinsic Value Models vs. Current Price ($86.69)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $52.51 -39.4%
Ensemble · Medium Conviction
 $99.54 +14.8%
Intrinsic · High Conviction
 $132.75 +53.1%
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What Is WFC's Fair Value Range?

Spread across 6 independent models · $52.51 to $152.33

CirclFi's 6 active models place Wells Fargo & Company (WFC) between $52.51 and $152.33 per share, a spread of 99% of the median. The median of that range — $100.72 — is the fair value CirclFi publishes for WFC, against a current price of $86.69.

Low · EPVHigh · Regime Cross
$52.51median $100.72$152.33
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$52.51
Most bullish modelRegime Cross-Sectional$152.33
Model agreement4 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on WFC, not a CirclFi price target. How each model works →

What Is Wells Fargo & Company (WFC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Wells Fargo & Company's intrinsic value is estimated at $100.72, suggesting a +16.2% median upside from the current price of $86.69. While 4 models see room for appreciation, model agreement is not unanimous as 2 models flag potential overvaluation. Model dispersion is worth noting: Regime Cross targets $152.33 (+75.7%), versus EPV at $52.51 (-39.4%). This +115.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About WFC?

6 of 13 models are currently active for WFC. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for WFC is $100.72 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does WFC Rank in Banks - Diversified?

Among 20 Banks - Diversified stocks, WFC ranks #6 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places WFC in the top tier.

The Banks - Diversified sector introduces analytical considerations specific to lending environment businesses. For Wells Fargo & Company, metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.

Is WFC a Value Trap?

CirclFi's Value Trap algorithm assigns WFC a score of 22/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Wells Fargo & Company. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Wells Fargo & Company earns a quality score of 8.3/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +115.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every WFC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across WFC's 6 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Wells Fargo & Company Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Diversified Stocks Should You Also Analyze?

10 related Banks - Diversified stocks with 13-model coverage

BMOBank of MontrealQOC 8.3BCSBarclays PLCQOC 8.2RYRoyal Bank of CanadaQOC 8.4JPMJPMorgan Chase & Co.QOC 8.1NTBThe Bank of N.T. Butterfield & Son LimitedQOC 8.5BNYThe Bank of New York Mellon CorporationQOC 8.1MUFGMitsubishi UFJ Financial Group, Inc.QOC 7.9SANBanco Santander, S.A.QOC 7.1BBVABanco Bilbao Vizcaya Argentaria, S.A.QOC 8.9CMCanadian Imperial Bank of CommerceQOC 8.6

Read investment analysis: BMO · BCS · RY · JPM · NTB · BNY · MUFG · SAN · BBVA · CM

Which Other Stocks Have a Similar Quality Score to WFC?

7 companies across all industries closest to WFC’s Quality of Company score of 8.3/10.

DLXDeluxe CorporationQOC 8.3LZBLa-Z-Boy IncorporatedQOC 8.3SONSonoco Products CompanyQOC 8.3PSXPhillips 66QOC 8.3DASHDoorDash, Inc.QOC 8.3HONHoneywell International Inc.QOC 8.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: DLX · LZB · SON · PSX · DASH · HON · NVDA

What Else Do Investors Ask About Wells Fargo & Company’s Valuation?

What is Wells Fargo & Company's intrinsic value in 2026?

CirclFi puts Wells Fargo & Company (WFC)'s intrinsic value at $100.72 — the median of 6 independent model estimates as of 2026-08-28, ranging from $52.51 to $152.33. The Quality of Company score is 8.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is WFC overvalued or undervalued right now?

At $86.69, 4 of 6 active models suggest WFC may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $100.72, 16.2% above the current price of $86.69 — a consensus view that WFC is undervalued. The assessment depends on which methodology best fits Wells Fargo & Company's business model in Banks - Diversified.

What does a Quality of Company score of 8.3 mean for WFC?

Wells Fargo & Company's QOC of 8.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on WFC?

CirclFi analyzes WFC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on WFC?

Of the 6 models currently active on WFC, Regime Cross-Sectional is the most bullish at $152.33 per share, and Earnings Power Value (EPV) is the most bearish at $52.51. CirclFi's published fair value for WFC is the median of that range, $100.72, not either extreme. The gap between the two ends equals 99% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is WFC a value trap in 2026?

Wells Fargo & Company's Value Trap score is 22/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Wells Fargo & Company (WFC) has a median fair value of $100.72 — 16.2% above the current price of $86.69 — as of 2026-08-28.” Source: circlfi.com/stock/WFC/ · Methodology
Primary sources for this WFC valuation
  • Financial statements: Wells Fargo & Company 10-K and 10-Q filings on SEC EDGAR (CIK 0000072971) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for WFC as of ; valuations recomputed .

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