WFC Wells Fargo

bank · 2026-10-20

N/A

fair · 60

Owner-earnings value$82.47

Price$81.80

Margin of safety +0.8%

Quality gate · 60/100

Returns on capital 12.4/30

Consistency 19.1/22

Margins / pricing power 4/16

Balance sheet 14.0/16

Cash conversion 5.0/10

Capital allocation 6/6

Median ROE10.7%

FCF conversion70%

Share count / yr-6.9%

Profitable years4/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)	22.61B
Owner-earnings yield	9.2%
Free-cash-flow yield	7.8%
Growth used (normalized)	4.0%
Terminal growth	3.0%
Discount rate (hurdle)	9.4%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

Date	Quality	Price	Value	MoS	Rating
2026-10-20	60	$81.80	$82.47	+0.8%	N/A
2026-10-01	60	$80.05	$81.89	+2.3%	N/A
2026-09-14	60	$90.29	$83.70	-7.3%	N/A
2026-08-26	60	$84.79	$85.65	+1.0%	N/A
2026-08-07	60	$87.59	$85.45	-2.4%	N/A
2026-07-21	60	$86.33	$84.64	-2.0%	N/A
2026-07-02	60	$85.94	$84.17	-2.1%	N/A
2026-06-25	64	$84.30	$84.64	+0.4%	N/A
2026-06-23	64	$84.13	$84.06	-0.1%	N/A

Date

Quality

Price

Value

MoS

Rating

2026-10-20

$81.80

$82.47

+0.8%

N/A

2026-10-01

$80.05

$81.89

+2.3%

N/A

2026-09-14

$90.29

$83.70

-7.3%

N/A

2026-08-26

$84.79

$85.65

+1.0%

N/A

2026-08-07

$87.59

$85.45

-2.4%

N/A

2026-07-21

$86.33

$84.64

-2.0%

N/A

2026-07-02

$85.94

$84.17

-2.1%

N/A

2026-06-25

$84.30

$84.64

+0.4%

N/A

2026-06-23

$84.13

$84.06

-0.1%

N/A

Quality gate · 60/100

Moat & management

Owner-earnings inputs

History