WFC
Wells Fargo & Company Financial Services - Banking Investor Relations →
Wells Fargo & Company (WFC) closed at $86.45 as of 2026-07-31, trading 42.6% above its 200-week moving average of $60.62. The stock is currently moving closer to the line, down from 43.0% last week. The 14-week RSI sits at 64, indicating neutral momentum.
Trading volume is running at 1.1x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.90 ratio) is neutral — neither side is clearly dominating.
Over the past 2778 weeks of data, WFC has crossed below its 200-week moving average 31 times. On average, these episodes lasted 14 weeks. Historically, investors who bought WFC at the start of these episodes saw an average one-year return of +16.3%.
With a market cap of $261.4 billion, WFC is a large-cap stock. Return on equity stands at 12.6%. The stock trades at 1.6x book value.
The company has been aggressively buying back shares, reducing its share count by 19.3% over the past three years.
Over the past 33.6 years, a hypothetical investment of $100 in WFC would have grown to $3762, compared to $3098 for the S&P 500. That represents an annualized return of 11.4% vs 10.8% for the index — confirming WFC as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -100% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: WFC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After WFC Crosses Below the Line?
Across 19 historical episodes, buying WFC when it crossed below its 200-week moving average produced an average return of +7.3% after 12 months (median +5.0%), compared to +6.1% for the S&P 500 over the same periods. 53% of those episodes were profitable after one year. After 24 months, the average return was +25.9% vs +25.7% for the index.
Each line shows $100 invested at the moment WFC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices WFC would reach each dislocation threshold.
Dislocation Price Levels
Prices where WFC's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $31.76 | Unusually cheap — potential buy zone |
| Value | +1σ | $60.11 | Cheap vs. own history |
| Fair Value | +0σ | $559.99 | Historical mean behavior |
| Expensive | -1σ | N/A | Expensive vs. own history |
| Deep Expensive | -2σ | N/A | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from WFC's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
WFC has crossed below its 200-week MA 31 times with an average 1-year return of +16.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| May 1973 | May 1973 | 1 | 0.8% | -14.8% | +48281.5% |
| Apr 1974 | Nov 1975 | 80 | 51.4% | -25.4% | +47044.5% |
| Nov 1975 | Jan 1976 | 6 | 7.1% | +12.4% | +52573.7% |
| Mar 1976 | Mar 1976 | 1 | 1.0% | +20.3% | +52682.3% |
| Feb 1980 | Apr 1980 | 10 | 16.2% | +34.2% | +43386.2% |
| Jan 1982 | Jan 1982 | 1 | 2.4% | +17.5% | +39022.0% |
| Feb 1982 | Oct 1982 | 34 | 21.5% | +16.0% | +38983.7% |
| Jul 1984 | Jul 1984 | 4 | 1.9% | +22.4% | +30683.1% |
| Oct 1984 | Jan 1985 | 12 | 8.5% | +14.4% | +32454.2% |
| Sep 1985 | Sep 1985 | 1 | 0.2% | +53.1% | +28814.8% |
| Oct 1985 | Oct 1985 | 1 | 4.7% | +61.0% | +30078.8% |
| Sep 1990 | Oct 1990 | 4 | 5.8% | +123.1% | +11496.3% |
| Oct 2001 | Nov 2001 | 3 | 3.1% | +32.1% | +775.7% |
| Dec 2007 | Jan 2008 | 6 | 16.2% | -7.4% | +370.0% |
| Feb 2008 | Apr 2008 | 11 | 8.0% | -31.8% | +374.5% |
| May 2008 | Jul 2008 | 12 | 23.8% | +0.1% | +372.2% |
| Aug 2008 | Aug 2008 | 2 | 2.0% | -3.8% | +360.4% |
| Oct 2008 | Oct 2008 | 1 | 6.3% | +6.6% | +384.0% |
| Nov 2008 | Oct 2009 | 48 | 70.4% | -5.8% | +359.9% |
| Oct 2009 | Mar 2010 | 18 | 10.8% | -4.7% | +382.0% |
| May 2010 | Nov 2010 | 26 | 15.1% | -2.2% | +375.1% |
| May 2011 | Jun 2011 | 2 | 3.2% | +14.9% | +385.8% |
| Aug 2011 | Dec 2011 | 20 | 12.6% | +38.7% | +415.3% |
| Sep 2016 | Nov 2016 | 8 | 3.3% | +17.1% | +149.2% |
| Dec 2018 | Sep 2019 | 42 | 11.0% | +12.5% | +111.0% |
| Jan 2020 | Apr 2021 | 64 | 51.9% | -30.2% | +114.4% |
| Jun 2021 | Jun 2021 | 1 | 1.1% | -6.1% | +133.6% |
| Jun 2022 | Jul 2022 | 5 | 6.3% | +8.0% | +138.9% |
| Sep 2022 | Oct 2022 | 1 | 0.3% | +4.5% | +136.5% |
| Mar 2023 | May 2023 | 9 | 9.3% | +57.2% | +148.7% |
| Oct 2023 | Oct 2023 | 1 | 0.2% | +71.4% | +138.5% |
| Average | 14 | — | +16.3% | — |
Frequently Asked Questions
Is WFC below its 200-week moving average?
No. Wells Fargo & Company (WFC) is currently 42.6% above its 200-week moving average of $60.62. It would need to fall to $60.62 to cross below the line.
What is WFC's 200-week moving average price?
Wells Fargo & Company's 200-week moving average is $60.62 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when WFC drops below its 200-week moving average?
WFC has crossed below its 200-week moving average 31 times in our data. On average, buying at that moment produced a one-year return of +16.3%. These dips have historically been decent entry points. These episodes lasted 14 weeks on average.
Is WFC a good value right now?
Here's what our data says about WFC as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 64. Return on equity is 12.6%. Price-to-book is 1.6x. This is not a buy or sell recommendation — always do your own research.
How does WFC compare to the S&P 500?
Over the past 33.6 years, $100 invested in WFC would have grown to $3762, compared to $3098 for the S&P 500. That's 11.4% annualized vs 10.8% for the index. WFC has outperformed the broader market over this period.
Does WFC pay a dividend?
Yes. Wells Fargo & Company currently pays a dividend yield of 234.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31