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The Screen · Financials · Banks - Diversified
Wells Fargo
WFC · a US exchange · USD · Market cap $266.0B · 200,999 employees
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.
FAIL · Does not pass the screen
87.96 USD
At the last full screen 2026-09-08
Screened 2026-09-08 · the tape above runs as of 11:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
Wells Fargo holds its Accumulation at $87.96. Consolidating, no directional conviction, held for 1 days.
As held on the ledger · 2026-09-08
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 1 days
Price at the screen
$87.96
Valuation
12.78 trailing · 11.13 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.92
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 25% discount to our $110.26 fair value, moderate competitive moat, 9.50% revenue growth.
Fair value range in USD, drawn from the 2026-09-08 screen. The gold marker is the market price at the same screen. A 25.4% margin of safety to the base estimate.
Third-party analyst targets: 23 covering, consensus Buy. The average target sits +16% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-08 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Wells Fargo, a Fallen Giant That Fails to Meet Ethical Standards
Wells Fargo is a familiar name in financial services, with its sprawling reach across the United States and international presence. But when you take a transaction at the local bank, little do you know, it's failing our ethical screen. The bank's activities are not up to par, and that's why it stands out - for all the wrong reasons.
Despite its low forward P/E ratio of 10.6x, which might seem like a steal, and a decent 10% revenue growth, Wells Fargo falls short in another crucial area - ethical standards. The market consensus is overwhelmingly bullish, with a median target price of $102, but the ethical failings can't be overlooked. This is a bank with a profit margin of 27% and a ROE of 13%, yet it's missing where it truly counts - in ethical practice.
Risks are high here, and not just from a financial standpoint. With a MODERATE moat and a failed business activity screen, Wells Fargo presents a significant ethical risk. It's not just about the numbers; it's about doing business the right way. And in this case, Wells Fargo is falling short. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
WFC trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-17Accumulation$87.96-1.4%Entry 5
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 1.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (23 analysts) rates it buy, with a mean price target of $101.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 8.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (22 analysts) rates it buy, with a mean price target of $96.
2026-07-18Markdown$81.94+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading neutral. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 22%. The street (22 analysts) rates it buy, with a mean price target of $96.
2026-07-03Markdown$81.94+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markdown$81.94Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
