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TickerTalks›$WFC
WFWFC

Wells Fargo & Company

$WFC·$251B·Banks - Diversified·Financial Services
$80.50-0.4%YTD-12.2%1Y-4.9%
Price updated 6h ago·X counts updated 2d ago
WFWFC
$WFCWells Fargo & Company
$80.50-0.38%301 posts1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $WFC on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

301X posts · last 7 days
Sep 12Sep 27
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $WFC's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 60% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data6 posts analyzed · as of 2026-09-09

Wells Fargo shows up as a Munger-portfolio anchor at 42 percent of his book and a Strat 3-1-2 breakout for the week, though some users flag customer complaints of fraudulent charges and a service outage.

Read what X is saying about $WFC

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $WFC — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-09-28

The move has stalled — likely just drifts unless something new shows up.

Wells Fargo is the mega-bank with a Munger portfolio anchor at 42% — real business, tape sits mid-range, October 13 decides.

Wells Fargo is one of the four US mega-banks — consumer and commercial franchises focused domestically with a big wealth business. It's down 1.6% year-over-year with the tape at 41% of the 52-week range, waiting on the October 13 earnings print.

  • The financial base supports a re-rating: 12x trailing PE, 2x sales, 12% ROE and consensus EPS moving from ~$7.29 this year to $9.94 by 2029 as post-asset-cap operating leverage compounds.
  • The earnings cadence has been strong: last quarter EPS printed $1.96 vs $1.73 estimated — a 13% beat — and the last four quarters have all beaten by mid-single-digits or better.
  • The insider tape is empty on transactions but leadership is transitioning: new Chief Risk Officer Scott Powell (COO) named for January 2027 as Derek Flowers retires — a governance-clean handoff, not a red flag.

October 13 Q3 earnings and any color on Q4 NII trajectory plus consumer credit trends decides the next leg — a re-affirmed FY guide with clean loan growth and post-asset-cap operating leverage visible restarts the tape; a soft NII print or a consumer-credit deterioration flag is what keeps this stalled at the range midpoint.

Agrees with X sentimentAgrees with the Munger-anchor read directionally — WFC as 42% of Charlie's book (via the estate management) is a real endorsement, and the operating metrics support it — the customer-complaints and service-outage points aren't durable directional signals.

What to watch: October 13 Q3 earnings — Q4 NII trajectory, consumer credit trends and any post-asset-cap operating leverage color; a re-affirmed FY with clean loan growth restarts the tape, a soft NII print or credit deterioration flag keeps this stalled.

On the calendar: 2026-10-13 — Q3 earnings

Read the AI verdict on $WFC

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

U.S. mega-bank providing consumer banking, commercial banking, investment banking, and wealth management with ongoing regulatory remediation.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $WFC.

Banks - Diversified · Financial Services

No material change from last week — Capital markets recovery (IPO and M&A pipeline) and sustained higher-for-longer net interest margins are the dual structural drivers.

What this means for $WFC

Neutral — U.S. mega-bank providing consumer banking, commercial banking, investment banking, and wealth management with ongoing regulatory remediation.

Top industry ETF

$KBESPDR S&P Bank ETF
+5.1%YTD
+6.7%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
12.8How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
3.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
20.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
12.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
64.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
2.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 14, 2026$1.96$1.73+13.3%
Q1 2026Apr 14, 2026$1.56$1.58-1.3%
Q4 2025Jan 14, 2026$1.62$1.66-2.4%
Q3 2025Oct 14, 2025$1.73$1.55+11.6%
Next earningsTue, Oct 13·consensus EPS $1.85

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$31.8B+7.3%63.9%18.4%$1.62$9.1B
Q4 FY25$31.8B+4.0%64.4%20.5%$1.69$4.1B
Q3 FY25$31.9B+0.7%65.1%21.7%$1.68$-869.0M
Q2 FY25$30.2B-4.6%64.8%21.3%$1.61$-11.2B

Forward consensus

4-year forecast · up to 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$88.9B$88.3B – $89.4B$7.29$6.93 – $7.479
FY27$92.8B$91.2B – $94.7B$7.98$7.46 – $8.409
FY28$97.5B$97.3B – $97.7B$9.16$7.62 – $9.752
FY29$129.2B$127.5B – $131.5B$9.94$9.77 – $10.161

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.31%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-7.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-5.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 3.0B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 18 other (14 awards · 2 gifts · 1 exempt · 1 inkind) in window

See when $WFC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

SC 13D/AActivist amendmentSep 25SC 13D/A
AI summary

Wells Fargo & Company and subsidiary Wells Fargo Municipal Capital Strategies, LLC filed Amendment No. 5 to Schedule 13D on Nuveen Quality Municipal Income Fund regarding that fund's Munifund Preferred Shares (not WFC common stock). The combined holding is 1,738 preferred shares (11.76% of that class), all with shared voting and dispositive power; funds sourced from working capital. This is a routine institutional disclosure of a position in a closed-end muni bond fund's preferred shares; immaterial to WFC equity.

8-KOfficer or director changeSep 238-K — Item 5.02: Officer or director change
AI summary

Wells Fargo & Company (WFC) announced on September 23, 2026 the appointment of Scott E. Powell as Chief Risk Officer effective January 15, 2027, at which point he will cease serving as Chief Operating Officer. No COO successor or compensation terms were disclosed. This is an internal senior leadership transition — an existing executive moving from COO to CRO — consistent with WFC's ongoing organizational evolution.

8-KCharter amendmentAug 198-K — Item 5.03: Charter amendment
AI summary

Wells Fargo filed a Certificate of Designation with the Delaware Secretary of State on August 17, 2026, creating a new series of Preferred Stock pursuant to Article FOURTH of its Restated Certificate of Incorporation. The specific series name, dividend rate, and terms are not fully captured in the excerpt. Standard bank capital management action; new preferred series likely issued to institutional investors as part of Tier 1 capital planning.

8-KPress release / Reg FDJul 148-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Wells Fargo & Company (WFC) filed an 8-K on July 14, 2026, furnishing its Q2 2026 earnings press release and the 2Q26 Quarterly Supplement for the quarter ended June 30, 2026. The earnings release and supplemental financial data are included as exhibits. This covers Items 2.02 (financial results) and 7.01 (Regulation FD). Detailed financial results are available in the attached exhibits.

SC 13D/AActivist amendmentJun 12SC 13D/A
8-KOfficer or director changeApr 308-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
SC 13D/AActivist amendmentApr 29SC 13D/A
SC 13D/AActivist amendmentApr 29SC 13D/A
+ 24 other (11 13Gs · 3 13Fs · 2 earnings 8-Ks · 2 10-Qs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Wells Fargo Gears Up For Q3 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analystsbenzinga.com·21h agoShe Split $500,000 Between Two Banks for FDIC Protection. If They Merge, Half Her Coverage Could Expire Six Months Later247wallst.com·1d ago20 Years on Wall Street, 1 Core Strategy: How I Play Rising Rates247wallst.com·2d agoWells Fargo & Company (NYSE:WFC) Stock Bought Sen. Mitch McConnelldefenseworld.net·6d agoWells Fargo Names COO Powell as Next Chief Risk Officerwsj.com·6d ago

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Voices on X · last 7 days

No standout posts about $WFC on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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