Stock Spotlight: Wells Fargo & Company (NYSE:WFC)

This week's Stock Spotlight is NYSE-listed Wells Fargo & Company.


About Wells Fargo & Company.


Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally. The company operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment offers a suite of capital markets, banking, and financial products and services, such as corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services to corporate, commercial real estate, government, and institutional clients. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors in brokerage and wealth offices, consumer bank branches, independent offices, and digitally through WellsTrade and Intuitive Investor. The company was founded in 1852 and is headquartered in San Francisco, California.


Source: Yahoo Finance



Key Stats

Source: Yahoo Finance. Data as of 19/02/25.


Price Performance

Growth Potential


  • Material share price performance over the past 6-12mths.
  • Cost out program to support earnings over the long-term.
  • Ongoing removals of consent orders as WFC improves its operational risk and compliance infrastructure.
  • Uncertain timing to end of the U.S. Federal Reserve capital-imposed restrictions.
  • Revenue growth driven by consumer and business.
  • Credit quality remains solid.
  • Positive changes to the regulatory environment.
  • Improving ROTCE (aiming to hit 15% over the medium-term).
  • Leveraged to the U.S. economy vs other large peers in the U.S. who have extensive global operations (which come with their own risks).

Key Risks


  • Declining net interest margins from low yields and Fed cuts.
  • Lack of future management direction with no permanent CEO installed.
  • Intense competition to loan growth.
  • Funding pressures for deposits and wholesale funding.
  • Political and regulatory changes affecting the banking legislation.
  • Credit risk with potential default of mortgages, personal and business loans and credit cards.
  • Legal fees associated with ongoing investigations.

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Disclaimer: This article does not constitute financial advice nor a recommendation to invest in the securities listed. The information presented is intended to be of a factual nature only. Past performance is not a reliable indicator of future performance. As always, do your own research and consider seeking financial, legal and taxation advice before investing.

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