NASDAQ · STOCK
Wells Fargo & Company
$86.45
52W $72.78 – $97.76
60/100
$264.55B
12.3
0.92
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is WFC Bullish or Bearish?
Bullish.
Innellis AI committee rates Wells Fargo & Company (WFC) Buy with a composite score of 60/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.08 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -4.92 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 11.6 is inexpensive for the broad market — Value
- Revenue growing 72.7% YoY -- genuine top-line momentum — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Debt-to-equity of 2.35 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.35) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
60/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 48%
of 141 Financial Services peers
Value Analyst
neutral
57
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ P/E of 11.6 is inexpensive for the broad market
− Debt-to-equity of 2.35 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 72.7% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 2.35) amplifies downside in a stress scenario
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 64 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score weakened from 65.0 to 59.9.
- Committee agreement fell sharply from 83% to 57%.
- New bearish signals: 4 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 4 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, Risk Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: +1 bullish signal(s).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: stance bullish->neutral; score 70->50 (-20); +1 bearish signal(s).
- Value Analyst joined: neutral at 57.
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
51.8
Neutral
MACD Histogram
-0.371
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$81.05
Resistance
$86.64
Bollinger %B
0.45
Inside Bands
Price vs Moving Averages
EMA 9
$86.15
Above
EMA 21
$85.92
Above
EMA 50
$84.29
Above
EMA 200
$82.70
Above
Fundamental Analysis
Valuation
100
Growth
86
Profitability
0
Financial Health
0
Cash Flow
38
Valuation
P/E Ratio
12.3×
P/B Ratio
1.46×
PEG Ratio
0.66
Dividend Yield
0.02%
52W High
$97.76
52W Low
$72.78
Quality & Growth
ROE
11.8%
ROA
1.0%
Gross Margin
64.5%
Operating Margin
21.2%
Revenue Growth YoY
—
Debt / Equity
2.55
AI Fundamental Assessment
P/E ratio of 12.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of 0.7 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 0.51 (tight short-term liquidity); Debt-to-equity of 2.55; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (6.29); Most recent quarter beat estimates by 15.2%; 2 consecutive earnings beats; EPS growth accelerating (-1.2% -> +25.0% QoQ); Average YoY EPS growth of 29.9%; Analyst estimates rising over recent quarters
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