TickerTalks
Browse all tickers →
TickerTalks›$WFC
WFWFC

Wells Fargo & Company

$WFC·$265B·Banks - Diversified·Financial Services
$88.79+0.8%YTD-5.3%1Y+11.8%
Mentions · last 7 days
2026-08-08: 9 posts2026-08-09: 5 posts2026-08-10: 18 posts2026-08-11: 38 posts2026-08-12: 19 posts2026-08-13: 24 posts2026-08-14: 19 posts132+20%
Price updated 9h ago·X counts updated 7h ago
WFWFC
$WFCWells Fargo & Company
$88.79+0.77%132 posts+20%
AI analysisFundamentalsVoices on X
Loading…

AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $WFC, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-13

The move is getting stronger, with heavier trading behind it.

Big bank at 65% of 52w range — Scharf's tokenized deposits announcement adds an AI-financing narrative.

Wells Fargo is one of the four largest US commercial banks with a huge consumer franchise. The stock is up 12% over 12 months as the multi-year post-scandal recovery plus the interest-rate cycle plus a fresh tokenized-deposits announcement converge on the accelerating setup.

  • The Q2 print is genuinely strong: revenue $22.62B, EPS $1.96 vs $1.73 estimate (+13% beat), and the last four EPS surprises were +13%, -1%, +5% — analysts model FY26 revenue at $88.8B rising to $92.8B by FY27 with EPS from $7.26 to $7.97, so this is a slow-and-steady regional-plus-national bank compounder.
  • The strategic catalyst is fresh: CEO Charlie Scharf announced WFC will launch tokenized deposits for corporate and commercial clients — that's a real modernization move that positions the equity in the AI/blockchain-financing narrative alongside the broader Nvidia $500B AI-infra story.
  • The counterweights are honest: 12.8x trailing P/E and 2.05x sales at 65% of 52w range with 2.5x D/E on 0.5% FCF yield, plus Derek Flowers made a large G-Gift of 135,932 shares on July 15 — that's a genuine insider distribution event the crowd should acknowledge alongside the tokenization enthusiasm.

The October 13 Q3 print is the next gate — continued NII expansion plus a specific tokenized-deposits customer launch disclosure is what extends the accelerating tape above $95. A specific credit-cycle deterioration (consumer loan losses accelerating), a yield-curve reversal that compresses NII, or a specific tokenization regulatory setback is what would take a name at 65% of 52w range off the highs first.

Agrees with X sentimentThe bullish 'CEO Charlie Scharf announcing tokenized deposits for corporate and commercial clients, WFC in financials cluster leading offense with JPM/AMP at same score, back above .786 fib with $89/$90 breakout levels' framing on X aligns with the print and the tokenization catalyst.

What to watch: October 13 Q3 print — continued NII expansion plus a tokenized-deposits customer launch disclosure extends the accelerating tape above $95; a credit-cycle deterioration, a yield-curve reversal, or a tokenization regulatory setback takes it off the highs.

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

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment40 posts analyzed · as of 2026-08-11

Wells Fargo posters cheer CEO Charlie Scharf announcing WFC will launch tokenized deposits for corporate and commercial clients (CNBC exclusive). Technicians flag WFC back above the .786 daily fib with $89/$90 key breakout levels opening $95/$98/$100+ upside. WFC in the financials cluster leading offense with JPM/AMP at the same score. Sentiment is decisively bullish on the tokenization catalyst and technical setup.

Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
Free, forever. No credit card.

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 — elevated NIM has padded bank earnings through 2025, but markets pricing Fed cuts through 2026 compress margins on the way down.

What this means for $WFC

Partial — U.S. mega-bank providing consumer banking, commercial banking, investment banking, and wealth management with ongoing regulatory remediation; partial earnings exposure to banks - diversified demand dynamics through its product portfolio.

Top industry ETF

$KBESPDR S&P Bank ETF
+17.4%YTD
+21.8%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 $1.84

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$88.8B$88.3B – $89.3B$7.26$6.91 – $7.458
FY27$92.8B$91.2B – $94.9B$7.97$7.47 – $8.409
FY28$97.4B$97.2B – $97.6B$9.17$7.61 – $9.712
FY29$129.2B$127.4B – $131.7B$9.94$9.75 – $10.181

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.0.6×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.64%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.+3.7%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.+4.5%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 today0.3% 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.β0.925-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

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.

+ 43 other (18 awards · 11 exempts · 11 inkinds · 2 gifts · 1 other) 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
Free, forever. No credit card.

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

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
SC 13D/AActivist amendmentApr 29SC 13D/A
8-KPress release / Reg FDApr 148-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KCharter amendmentMar 188-K — Item 5.03: Charter amendment
+ 30 other (12 13Gs · 3 proxys · 2 10-Qs · 2 13Fs) in window

Recent news

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

Wells Fargo & Company Declares Cash Dividends on Preferred Stockbusinesswire.com·22h agoWFC Stock Gains 20.5% in 3 Months: Buy, Hold or Sell the Stock Now?zacks.com·2d agoWhy Is Wells Fargo (WFC) Up 1.6% Since Last Earnings Report?zacks.com·2d agoWhich Banking ETF Is the Better Buy: iShares' European EUFN or Invesco's U.S.-Focused KBWB?fool.com·3d agoWells Fargo Brings the Stablecoin Fight Inside the Bankpymnts.com·4d ago

More in Banks - Diversified

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$JPM$BAC$C$MUFG$USB$RY$TD$HSBC
Voices on X · top 1 · 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.

PrivacyTermsSupport