Wells FargoWFC +0.29%73 5-Year Yield-on-Cost % is 3.99 as of Jul. 11, 2026, which is 23% below its 10-year median of 5.16. GuruFocus rates WFC with a GF Score™ of 73/100 and a GF Value™ of $76.04 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,253 Banks companies, Wells Fargo ranks better than 51.32% on this metric.
Wells Fargo's yield on cost for the quarter that ended in Mar. 2026 was 3.99.
The historical rank and industry rank for Wells Fargo's 5-Year Yield-on-Cost % or its related term are showing as below:
WFC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.52 Med: 5.16 Max: 16.62
Current: 3.99
During the past 13 years, Wells Fargo's highest Yield on Cost was 16.62. The lowest was 1.52. And the median was 5.16.
WFC's 5-Year Yield-on-Cost % is ranked better than 51.32% of 1253
companies
in the Banks industry
Industry Median: 3.89
vs WFC: 3.99
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Wells Fargo 5-Year Yield-on-Cost % Related Terms
WFC vs C, BAC, BNY: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Wells Fargo's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Wells Fargo 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Wells Fargo's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Wells Fargo's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Wells Fargo is calculated as
Wells Fargo (WFC) has a 5-Year Yield-on-Cost % of 3.99 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Wells Fargo and its competitors. This is 23% below median its historical median of 5.16. Over the past decade, Wells Fargo's 5-Year Yield-on-Cost % has ranged from 1.52 to 16.62. According to the industry distribution chart, Wells Fargo ranks #610 out of 1253 companies in the Banks industry, placing it in the top 48.7%.
Is Wells Fargo's 5-Year Yield-on-Cost % too high?
Wells Fargo's current 5-Year Yield-on-Cost % of 3.99 is 23% below median its 10-year median of 5.16. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 16.62. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Wells Fargo's value of 3.99 is 2.6% above this industry median. Based on the distribution chart, Wells Fargo ranks #610 out of 1253 companies in the Banks industry, which is above the industry midpoint. Overall, Wells Fargo has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wells Fargo's 5-Year Yield-on-Cost % compare to C and BAC?
According to the Banks industry distribution chart, Wells Fargo ranks #610 out of 1253 companies for 5-Year Yield-on-Cost %. This puts Wells Fargo in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Wells Fargo's value of 3.99 is 2.6% above this benchmark. Historically, Wells Fargo's own 5-Year Yield-on-Cost % has ranged from 1.52 to 16.62 over the past decade. While the company's 10-year median is 5.16 vs. the industry median of 3.89, Wells Fargo has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wells Fargo's current 5-Year Yield-on-Cost % of 3.99 is 2.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Wells Fargo and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wells Fargo's current 5-Year Yield-on-Cost % is 3.99, which is 23% below median its own 10-year median of 5.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wells Fargo stock overvalued right now?
Based on GuruFocus' analysis, Wells Fargo (WFC) is currently considered Modestly Overvalued. The stock's GF Value™ is $76.04, compared to a current price of $87.16 — trading 14.6% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.99, which is 23% below median its 10-year median of 5.16 and 2.6% above the Banks industry median of 3.89. Wells Fargo's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Wells Fargo (WFC), the current 5-Year Yield-on-Cost % is 3.99 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Wells Fargo (WFC) Overvalued in 2026?
Based on GuruFocus' analysis, Wells Fargo stock appears to be overvalued.
The current stock price of $87.16 is trading 14.6% above its estimated GF Value™ of $76.04.
GuruFocus considers Wells Fargo to be Modestly Overvalued.
Key valuation signals for WFC:
5-Year Yield-on-Cost %: 3.99 (23% below median its 10-year median of 5.16)
GF Value™: $76.04 vs. price of $87.16 (14.6% above fair value)
Industry Position: 2.6% above the Banks median (#610 of 1253)
No single metric tells the full story. See the WFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wells Fargo is a premier, North American-focused banking titan that commands a $2.2 trillion balance sheet and the third-highest deposit market share in the United States. The bank uses a dense, expansive network of 4,093 branches to champion retail consumers and the middle market, where the firm has built a particularly strong reputation. Following the removal of its federal asset cap in 2025, the firm is set to deploy its legacy excess liquidity to expand each of its four segments: consumer & business lending, commercial banking, corporate & investment banking, and wealth & investment management.
73GF Score
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