| Profitability | 60/100 |
| Growth | 51/100 |
| Momentum | 66/100 |
| Quality | 52/100 |
| Earnings Quality | 88/100 |
| Balance Sheet | 45/100 |
| Value | 83/100 |
| Risk (safety) | 100/100 |
| Overall | 42.7/100 |
| Symbol | IS Score |
|---|---|
| C | 16 |
| HSBC | 55 |
| BAC | 55 |
| UBS | 24 |
| JPM | 54 |
| GS | 13 |
| WFC | 43 |
These two disagree — business quality 43, price structure 64 out of 100, so the price reads better than the business does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.
| Trigger | Where it stands now | What it would mean |
|---|---|---|
| IS Score reaches 55 and holds two consecutive quarters | now 42.7 | would move us up one band |
| IS Score stops falling - one quarter higher than the prior | last four: 17 → 13 → 25 → 43 | the direction matters more than the level |
| Technical vote share back above 50% | now 64% | price structure no longer broken |
| Institutional holder count rises two quarters running | peak 2,911 → now 2,888 | fewer institutions willing to hold is our clearest warning |
This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.
| Quarter | Holders | 13F shares | Value | Reported own% |
|---|---|---|---|---|
| 2026 Q2 | 2,888 | 2358.1M | $191.7B | 77.3% |
| 2026 Q1 | 2,826 | 2315.3M | $181.8B | 75.9% |
| 2025 Q4 | 2,911 | 2404.2M | $220.6B | 78.8% |
| 2025 Q3 | 2,663 | 2390.1M | $197.5B | 78.4% |
| 2025 Q2 | 2,642 | 2485.5M | $196.4B | 81.5% |
| 2025 Q1 | 2,566 | 2521.9M | $178.0B | 82.7% |
| 2024 Q4 | 2,568 | 2527.1M | $174.7B | 82.9% |
| 2024 Q3 | 2,250 | 2527.0M | $139.9B | 82.9% |
| 2024 Q2 | 2,268 | 2573.2M | $147.6B | 84.4% |
| 2024 Q1 | 2,210 | 2674.2M | $148.7B | 87.7% |
| 2023 Q4 | 2,160 | 2711.1M | $127.9B | 88.9% |
| 2023 Q3 | 1,981 | 2695.6M | $108.6B | 88.4% |
| Insider | Role | Date | Type | Shares | Value | Post-Txn Owned |
|---|---|---|---|---|---|---|
| Sargent Ronald | director | 2026-10-01 | A-Award | 530 | — | 72,073 |
| Hewett Wayne M. | director | 2026-10-01 | A-Award | 452 | — | 42,707 |
| Black Steven D | director | 2026-10-01 | A-Award | 1,153 | — | 59,565 |
| Flowers Derek A. | Sr. EVP and Chief Risk Officer | 2026-07-15 | GIFT | 67,966 | — | 0 |
| Flowers Derek A. | Sr. EVP and Chief Risk Officer | 2026-07-15 | GIFT | 67,966 | — | 341,740 |
| Black Steven D | director | 2026-07-01 | A-Award | 1,076 | — | 58,079 |
| Sargent Ronald | director | 2026-07-01 | A-Award | 495 | — | 71,135 |
| Hewett Wayne M. | director | 2026-07-01 | A-Award | 422 | — | 42,014 |
| 6-mo decomposition (Form 4) | Txns | Shares | Value | Signal weight |
|---|---|---|---|---|
| S — Open-market sales | 2 | 90,000 | $7.9M | Counted |
| M — Exercises (paired A/D) | 12 | 1,166,428 | — | None — mechanics |
| F — Tax withholding | 12 | 597,662 | $50.2M | None — compensation |
| G — Gifts | 2 | 68,055 | — | None |
| P — Open-market purchases | 0 | 0 | $0 | Counted — none occurred |
| Member | Chamber | Trade | Size band | Traded | Disclosed |
|---|---|---|---|---|---|
| Ro Khanna | House | BUY | $1,001 - $15,000 | 2026-09-25 | 2026-10-09 |
| Ro Khanna | House | BUY | $15,001 - $50,000 | 2026-09-17 | 2026-10-09 |
| Ro Khanna | House | BUY | $1,001 - $15,000 | 2026-09-15 | 2026-10-09 |
| Mitch McConnell | Senate | BUY | $15,001 - $50,000 | 2026-09-01 | 2026-09-21 |
| Mitch McConnell | Senate | BUY | $1,001 - $15,000 | 2026-06-01 | 2026-06-30 |
| Addison Mitchell McConnell | Senate | BUY | $1,001 - $15,000 | 2026-06-01 | 2026-06-30 |
| Manager | Shares | Value |
|---|---|---|
| Assenagon Asset Management S.A. | 1.8M | $143M |
| Wealth Enhancement Advisory Servic | 1.5M | $109M |
| Banque Pictet & Cie Sa | 1.1M | $89M |
| Ferguson Wellman Capital Managemen | 991,358 | $79M |
| Mn Services Vermogensbeheer B.V. | 907,481 | $73M |
| Davenport & Co Llc | 895,341 | $72M |
| Fund | Weight | Position |
|---|---|---|
| VITSX | 0.3% | $7.7B |
| VTI | 0.3% | $7.7B |
| VSMPX | 0.3% | $7.7B |
| VTSAX | 0.3% | $7.7B |
| VFIAX | 0.4% | $6.4B |
| VFFSX | 0.4% | $6.4B |
| ATS Venue (4-wk) | Shares | Avg trade |
|---|---|---|
| Incr Intelligent Cross Llc | 11.3M | 80 sh |
| Ubsa Ubs Ats | 9.4M | 71 sh |
| Ebxl Level Ats | 7.1M | 50 sh |
| Pure Purestream | 5.8M | 59 sh |
| Bids Bids Ats | 4.8M | 454 sh |
| Sgmt Sigma X2 | 4.5M | 65 sh |
Moat score 59/100 — Narrow; primary source Efficient Scale.
| Officer | Title |
|---|---|
| Charles W. Scharf | Chief Executive Officer & Chairman |
| Kleber R. Santos | Senior EVP, Co-CEO of Consumer Banking & Lending |
| Fernando S. Rivas | Senior EVP & CEO of Corporate & Investment Banking |
| Michael Santomassimo | Senior EVP & CFO |
| Period | EPS est. | EPS actual | EPS surprise | Rev est. ($M) | Rev actual ($M) | Rev surprise |
|---|
| YoY growth | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | +1.0% | +0.4% | +38.2% | +8.7% | -1.5% |
| Gross profit | +38.6% | -12.6% | +6.0% | +1.0% | +2.7% |
| Operating income | +1080.2% | -47.1% | +38.4% | +8.0% | +7.9% |
| Net income | +554.7% | -38.1% | +40.0% | +3.0% | +8.2% |
| $B · FY ends | FY21 | FY22 | FY23 | FY24 | FY25 | Trend |
|---|---|---|---|---|---|---|
| Revenue | 83.1 | 83.4 | 115.3 | 125.4 | 123.5 | |
| Cost of revenue | -0.2 | 10.6 | 38.1 | 47.4 | 43.5 | |
| Gross profit | 83.3 | 72.8 | 77.2 | 78.0 | 80.0 | |
| R&D expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| SG&A expense | 36.1 | 35.6 | 37.3 | 37.2 | 40.5 | |
| Operating income | 29.6 | 15.6 | 21.6 | 23.4 | 25.2 | |
| EBITDA | 37.5 | 22.5 | 27.9 | 30.9 | 29.3 | |
| D&A | 7.9 | 6.8 | 6.3 | 7.6 | 4.1 | |
| Pretax income | 29.6 | 15.6 | 21.6 | 23.4 | 25.2 | |
| Income tax | 5.8 | 2.3 | 2.6 | 3.4 | 3.8 | |
| Net income | 22.1 | 13.7 | 19.1 | 19.7 | 21.3 | |
| Diluted EPS ($) | 4.99 | 3.14 | 4.83 | 5.37 | 6.32 | |
| Diluted shares (M) | 4,096 | 3,837 | 3,720 | 3,468 | 3,217 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | 159.2 | 237.2 | 203.4 | 174.2 | |
| ST investments | 113.6 | 125.4 | 160.1 | 297.3 | |
| Receivables (net) | 44.4 | 53.7 | 42.4 | 23.0 | |
| Total current assets | 317.1 | 416.3 | 405.8 | 494.5 | |
| PP&E (net) | 18.0 | 18.2 | 19.4 | 20.0 | |
| Goodwill + intangibles | 35.7 | 33.7 | 32.9 | 31.3 | |
| Total assets | 1,881.0 | 1,932.5 | 1,929.8 | 2,148.6 | |
| Accounts payable | 0.0 | 0.0 | 0.0 | 0.0 | |
| Short-term debt | 51.1 | 89.6 | 108.8 | 251.0 | |
| Deferred revenue | 0.0 | 0.0 | 0.0 | 0.0 | |
| Total current liabilities | 1,504.2 | 1,447.7 | 1,480.6 | 1,722.7 | |
| Long-term debt | 174.8 | 207.6 | 173.1 | 174.7 | |
| Total liabilities | 1,698.8 | 1,745.0 | 1,748.8 | 1,965.6 | |
| Shareholders' equity | 182.2 | 187.4 | 181.1 | 183.0 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Net income | 13.4 | 19.1 | 20.0 | 21.4 | |
| D&A | 6.8 | 6.3 | 7.6 | 7.7 | |
| Stock-based compensation | 0.0 | 0.0 | 0.0 | 0.0 | |
| Working capital change | 29.4 | 5.3 | (20.3) | (52.0) | |
| Operating cash flow | 27.0 | 40.4 | 3.0 | (19.0) | |
| Capital expenditures | 0.0 | 0.0 | 0.0 | 0.0 | |
| Investing cash flow | (42.5) | 16.0 | (15.7) | (192.4) | |
| Buybacks | (6.0) | (13.6) | (22.3) | (19.5) | |
| Dividends paid | (5.3) | (5.9) | (6.2) | (6.5) | |
| Debt issuance / (repay) | 50.7 | 64.6 | (7.9) | 149.9 | |
| Financing cash flow | (59.6) | 20.5 | (21.5) | 177.6 | |
| Free cash flow | 27.0 | 40.4 | 3.0 | (19.0) |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| PROFITABILITY | |||||||
| ROE | 11.6% | 7.3% | 10.5% | 10.8% | 11.8% | 13% | |
| ROA | 1.1% | 0.7% | 1.0% | 1.0% | 1.0% | 1.0% | |
| ROIC | -80.8% | 9.8% | 15.8% | 20.5% | 15.8% | 6.2% | |
| Gross margin | 100.3% | 87.3% | 66.9% | 62.2% | 64.8% | 63.9% | |
| Operating margin | 35.6% | 18.7% | 18.8% | 18.6% | 20.4% | 21.1% | |
| Net margin | 26.6% | 16.4% | 16.6% | 15.7% | 17.3% | 17.6% | |
| EBITDA margin | 45.1% | 26.9% | 24.2% | 24.7% | 23.8% | 25.6% | |
| FCF margin | -14.0% | 32.6% | 35.0% | 2.4% | -15.4% | — | |
| VALUATION | |||||||
| P/E | 7.98 | 10.93 | 8.96 | 11.72 | 14.05 | 11.6 | |
| P/B | 0.92 | 0.81 | 0.92 | 1.29 | 1.66 | 1.4 | |
| P/S | 2.09 | 1.76 | 1.49 | 1.84 | 2.42 | 1.94 | |
| P/FCF | -14.91 | 5.41 | 4.25 | 76.13 | -15.78 | 13.2 | |
| EV/EBITDA | -1.21 | 4.51 | 3.80 | 4.83 | 7.72 | 13.0 | |
| EV/Revenue | -0.54 | 1.20 | 0.92 | 1.19 | 2.05 | 3.3 | |
| Earnings yield | 12.5% | 9.1% | 11.2% | 8.5% | 7.1% | 9.10% | |
| FCF yield | -6.7% | 18.5% | 23.5% | 1.3% | -6.3% | 7.56% | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| LEVERAGE & SOLVENCY | |||||||
| Current ratio | 0.28 | 0.21 | 0.29 | 0.27 | 0.29 | 7.76 | |
| Quick ratio | 0.28 | 0.21 | 0.29 | 0.27 | 0.29 | 7.76 | |
| Debt / equity | 1.04 | 1.25 | 1.60 | 1.57 | 2.35 | 1.26 | |
| Debt / assets | 10.0% | 12.0% | 15.4% | 14.6% | 19.8% | 9.8% | |
| Net debt / EBITDA | -5.89 | -2.12 | -2.35 | -2.64 | -1.39 | 5.41 | |
| Interest coverage | 7.36 | 1.68 | 0.66 | 0.54 | 0.63 | — | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| EFFICIENCY | |||||||
| Asset turnover | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 | 0.06 | |
| Receivables turnover | 2.59 | 3.33 | 3.75 | 4.36 | 5.38 | 5.4 | |
| DSO (days) | 141 | 110 | 97 | 84 | 68 | — | |
| DPO (days) | — | 0 | 0 | 0 | 0 | — | |
| Cash conversion cycle | — | 110 | 97 | 84 | 68 | 68 | |
| GROWTH (YoY) | |||||||
| Revenue growth | 1.3% | 0.8% | 38.9% | 8.7% | -1.3% | — | |
| Net income growth | 614.7% | -37.9% | 43.0% | 3.0% | 8.2% | — | |
| EPS growth | 648.3% | -35.7% | 49.9% | 12.1% | 13.0% | — | |
| FCF growth | -661.9% | 334.7% | 49.2% | -92.5% | -726.1% | — | |
| PER SHARE ($) | |||||||
| EPS (diluted, TTM) | 5.43 | 3.49 | 5.23 | 5.87 | 6.63 | 7.63 | |
| Book value / share | 47.32 | 47.02 | 50.79 | 53.30 | 56.29 | 58.98 | |
| Revenue / share | 20.79 | 21.67 | 31.54 | 37.31 | 38.47 | 43.26 | |
| FCF / share | -2.91 | 7.06 | 11.04 | 0.90 | -5.91 | 6.36 | |
| Cash / share | 103.78 | 71.16 | 99.16 | 108.15 | 146.56 | 98.26 | |
| SHAREHOLDER RETURN & SCORES | |||||||
| Buyback yield | 12.3% | 4.1% | 7.9% | 9.6% | 6.5% | 5.89% | |
| Altman Z-Score | -0.42 | -0.49 | -0.34 | -0.33 | -0.35 | 0.5 | |
| Piotroski F-Score | 6 | 5 | 7 | 7 | 5 | 5/9 | |
| Beneish M-Score | -2.65 | -2.22 | -2.19 | -2.64 | -2.82 | -3.39 | |
| Model | Score | Zone | Note |
|---|---|---|---|
| Piotroski F-Score | 5 / 9 | Middling | |
| Altman Z-Score | 0.5 | Distress (<1.81) | Distress |
| Income quality | 0.83 | Accrual-heavy | OCF ÷ net income |
| Beneish M-Score | -3.39 | Non-manipulator | vs −2.22 threshold |
| DuPont Decomposition (TTM) | Value |
|---|---|
| Tax burden | 0.82 |
| Interest burden | 1.00 |
| Operating margin | 21.2% |
| Asset turnover | 0.06× |
| Financial leverage | 11.80× |
| = ROE | 13% |
| Growth Quality (live) | Value |
|---|---|
| Revenue stability | 0.92 |
| Earnings stability | 0.78 |
| Earnings persistence | 0.96 |
| Revenue CAGR 3y | 8.6% |
| EPS CAGR 3y | 18.7% |
| FCF CAGR 3y | -9.6% |
| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | Piotroski | 1-yr ret |
|---|---|---|---|---|---|---|---|
| C | $208.4B | 12.0 | 8% | 12.9% | +3.9% | 5/9 | +31.8% |
| HSBC | $324.6B | 13.5 | 14% | 23.2% | +8.7% | 7/9 | +44.1% |
| BAC | $358.2B | 12.0 | 11% | 18.4% | +3.0% | 8/9 | +2.1% |
| UBS | $146.0B | 16.1 | 10% | 15.6% | +1.4% | 5/9 | +22.7% |
| JPM | $903.0B | 14.2 | 18% | 25.7% | +8.0% | 8/9 | — |
| GS | $256.6B | 12.5 | 17% | 17.2% | -6.8% | 5/9 | — |
| MS | $284.8B | 14.2 | 19% | 16.2% | +16.7% | 7/9 | — |
| AXP | $211.8B | 19.0 | 34% | 14.4% | +9.4% | 9/9 | — |
| Consensus estimates | Revenue mean | High / Low | EPS mean | High / Low | # EPS est. |
|---|---|---|---|---|---|
| FY2026 | $88.43B | $88.67B / $88.16B | $7.33 | $7.46 / $6.95 | 17 |
| FY2027 | $93.06B | $93.99B / $91.93B | $8.04 | $8.35 / $7.77 | 17 |
| FY2028 | $97.94B | $99.43B / $97.32B | $9.14 | $9.60 / $7.88 | 14 |
| Window | Avg Target | vs. Price | # Targets |
|---|---|---|---|
| Last Month | $96.67 | +15.3% | 6 |
| Last Quarter | $96.67 | +15.3% | 6 |
| Last Year | $98.48 | +17.4% | 27 |
| All Time | $76.81 | -8.4% | 88 |
| Moving Average | Value | Distance | % Distance | Signal |
|---|---|---|---|---|
| SMA 20 | $81.96 | +1.91 | +2.33% | Above |
| SMA 50 | $85.20 | -1.33 | -1.56% | Below |
| SMA 200 | $84.06 | -0.19 | -0.23% | Below |
| EMA 9 | $82.31 | +1.56 | +1.90% | Above |
| EMA 21 | $82.83 | +1.04 | +1.26% | Above |
| EMA 50 | $84.07 | -0.20 | -0.24% | Below |
| EMA 200 | $83.53 | +0.34 | +0.41% | Above |
| Level | Value | Level | Value |
|---|---|---|---|
| Pivot / R1 / R2 | $82.24 / $83.61 / $84.46 | S1 / S2 | $81.39 / $80.02 |
| Bollinger (20,2) | $78.78 – $85.14 | Squeeze | Off |
| 52-wk range | $72.78 – $97.28 | Off 52-wk high | -13.8% |
| ATR (14) | $2.06 (2.5%) | Historical vol | 27.0% |
| Computed from live weekly prices | WFC | S&P 500 |
|---|---|---|
| Weekly volatility (σ, 1y) | 3.54% | 1.83% |
| Best / worst week (1y) | +6.3% / -8.4% | — |
| Max drawdown (5y, monthly) | -56.8% | — |
| 1-week VaR (95%) | -6.7% | — |
| Beta (5y) | 0.92 | 1.00 |
| Reading | WFC | Banks - Diversified n=179 | Financial Services n=24,134 | All US symbols n=70,435 |
|---|---|---|---|---|
| Overall | -6.7 | -22.3 | -16.3 | -20.5 |
| Trend | -41.1 | -27.5 | -12.5 | -21.3 |
| Momentum | +24.9 | -1.2 | -4.4 | -15.8 |
| Volume | +53.5 | -28.0 | +0.0 | -3.8 |
| Pillar (live disclosure scores) | Score |
|---|---|
| Environmental | 75 |
| Social | 72 |
| Governance | 68 |
| Composite ESG | 72 |
Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.
| Data domain | Source | Coverage for this report |
|---|---|---|
| Price & volume | market_db.historical_prices | 52 rows |
| Fundamentals | income_statements_annual | 6 rows · 2020 to 2025 |
| Reported vs consensus | fact/earnings_calendar | 24 rows · 2021-01-15 to 2026-10-13 |
| Analyst estimates | dim/forward_estimates | 3 rows · 2026-12-31 to 2028-12-31 |
| Institutional ownership (13F) | holdings_db.institutional_ownership_summary | 119 rows · 1996 to 2026 |
| Insider transactions (Form 4) | edgar/form4 | 12 rows · 2026-05-14 to 2026-10-01 |
| Proposed sales (Form 144) | edgar/form144 | not present for this symbol |
| Beneficial ownership (13D/G) | edgar/13dg | not present for this symbol |
| Short-sale volume (FINRA) | edgar/short_volume_daily | 60 rows · 2026-07-23 to 2026-10-15 |
| Dark pool (ATS, tier 1) | edgar/darkpool_weekly | 12 rows · 2026-06-15 to 2026-08-31 |
| ETF & fund holding | etf_holdings_changelog (30d) | 1 record |
| Peer set | stock_peers_dynamic | 8 rows |
| Industry medians | industry_medians | 1 record |
| Congressional trades | congress_db (House + Senate) | 1 record |
| ESG | fact/esg_disclosures | 1 record |
Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.
Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.