<p>富国银行（WFC）一直在悄悄地回馈耐心的股东，过去一年股价上涨约 35%，年初至今上涨约 33%，远远超过大盘表现。</p>
<p>查看我们对富国银行的最新分析。</p>
<p>富国银行股价最近上涨至约 93.01 美元，反映出投资者对稳定的收益、改善的信用趋势和更清晰的监管环境的认可。短期股价动能和长期股东总回报均表现积极。</p>
<p>如果富国银行的表现让你重新考虑银行投资，值得关注那些内部持股比例高的快速增长股票，寻找其他被管理团队用自有资本支持的低调公司。</p>
<p>随着收益和信用趋势朝着正确的方向发展，股价略低于分析师目标，现在的关键问题很简单：富国银行是否仍被低估，还是市场已经在定价未来的增长？</p>
<h2>最受欢迎的叙述：1.6% 被低估</h2>
<p>富国银行最近收盘价为 93.01 美元，而叙述的公允价值为 94.50 美元，故事倾向于由收益质量驱动的适度上涨。</p>
<blockquote>
<p><em>分析师对富国银行的共识目标价为 87.0 美元，基于他们对未来收益增长、利润率和其他风险因素的预期。然而，分析师之间存在一定的分歧，最乐观的分析师报告的目标价为 95.0 美元，而最悲观的分析师报告的目标价仅为 72.0 美元。</em></p>
</blockquote>
<p>阅读完整叙述。</p>
<p>想看看什么因素支持高于市场目标的公允价值吗？叙述依赖于稳定的增长、韧性的利润率和更高的未来收益倍数。想知道哪些具体的长期利润假设支撑这一观点吗？打开完整叙述，查看这一估值判断背后的数字。</p>
<p><strong>结果：公允价值为 94.50 美元（被低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，持续的监管负担或数字化转型进展缓慢可能会侵蚀利润率，并阻碍支撑这一乐观观点的重新评级。</p>
<p>了解富国银行叙述的关键风险。</p>
<h2>价值的另一种角度</h2>
<p>我们的 DCF 模型表明，较叙述的公允价值有更强的上涨潜力。富国银行的交易价格约低于其估计的内在价值 113.02 美元的 17.7%。如果现金流支持的价格远高于市场情绪所暗示的，市场是否低估了这里的长期收益能力？</p>
<p>了解 SWS DCF 模型如何得出其公允价值。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/277f24ea-a3cc-4a35-95f9-2be9b77fdcd1/chart/dcf?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1706" height="760" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/277f24ea-a3cc-4a35-95f9-2be9b77fdcd1/chart/dcf"/></p>
<p>截至 2025 年 12 月的 WFC 折现现金流</p>
<h2>构建你自己的富国银行叙述</h2>
<p>如果你有不同的看法或想自己深入研究数据，可以在几分钟内制定个性化的观点：按你的方式进行。</p>
<p>你对富国银行研究的一个很好的起点是我们的分析，强调 3 个关键回报和 1 个可能影响你投资决策的重要警示信号。</p>
<h2>寻找更多投资想法？</h2>
<p>在继续之前，通过使用我们强大的数据驱动的 Simply Wall Street 筛选器，将富国银行与其他高潜力机会进行比较。</p>
<ul>
<li>通过扫描这些 913 只基于现金流的被低估股票，利用错误定价的机会，这些股票是基于严格的现金流分析而非炒作。</li>
<li>通过瞄准塑造明天经济的创新者，利用这 24 只处于前沿的 AI 便士股票，乘势而上。</li>
<li>通过寻找这些 12 只收益率超过 3% 的可靠分红股票，增强你的被动收入策略。</li>
</ul>
<p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，采用无偏见的方法，我们的文章并不构成财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 对提到的任何股票没有持仓。</em></p>
<p>用于国防和灾难的移动基础设施</p>
<p>下一波机器人技术不是人形的，而是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，随时随地。</p>
<p>在下一轮合同之前获取投资者简报</p>
<p>由 CiTech 赞助</p>

富国银行

<p>富国银行的股票在过去一年中上涨了约 35%，当前价格为 93.01 美元。分析师对其估值持有不同看法，目标价范围从 72.0 美元到 95.0 美元不等。该股票被认为低估了 1.6%，合理价值为 94.50 美元，但 DCF 模型显示其内在价值更高，达到 113.02 美元。主要风险包括监管负担和数字化转型挑战。该分析基于历史数据和预测，并不构成财务建议</p>

<p>Wells Fargo (WFC) has been quietly rewarding patient shareholders, with the stock up about 35% over the past year and roughly 33% year to date, comfortably outpacing the broader market.</p>
<div class="lb-trans"><p>富国银行（WFC）一直在悄悄地回馈耐心的股东，过去一年股价上涨约 35%，年初至今上涨约 33%，远远超过大盘表现。</p>
</div><p>See our latest analysis for Wells Fargo.</p>
<div class="lb-trans"><p>查看我们对富国银行的最新分析。</p>
</div><p>The recent leg higher in Wells Fargo’s share price, now around $93.01, reflects investors warming to steadier earnings, improving credit trends, and a cleaner regulatory backdrop. Both short term share price momentum and long term total shareholder returns are firmly positive.</p>
<div class="lb-trans"><p>富国银行股价最近上涨至约 93.01 美元，反映出投资者对稳定的收益、改善的信用趋势和更清晰的监管环境的认可。短期股价动能和长期股东总回报均表现积极。</p>
</div><p>If Wells Fargo’s run has you rethinking your bank exposure, it might be worth scanning fast growing stocks with high insider ownership for other under the radar names that management teams are backing with their own capital.</p>
<div class="lb-trans"><p>如果富国银行的表现让你重新考虑银行投资，值得关注那些内部持股比例高的快速增长股票，寻找其他被管理团队用自有资本支持的低调公司。</p>
</div><p>With earnings and credit trends moving in the right direction and the share price sitting just below analyst targets, the key question now is simple: Is Wells Fargo still undervalued or is the market already pricing in future growth?</p>
<div class="lb-trans"><p>随着收益和信用趋势朝着正确的方向发展，股价略低于分析师目标，现在的关键问题很简单：富国银行是否仍被低估，还是市场已经在定价未来的增长？</p>
</div><h2>Most Popular Narrative: 1.6% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：1.6% 被低估</h2>
</div><p>With Wells Fargo last closing at $93.01 against a narrative fair value of $94.50, the story leans toward modest upside driven by earnings quality.</p>
<div class="lb-trans"><p>富国银行最近收盘价为 93.01 美元，而叙述的公允价值为 94.50 美元，故事倾向于由收益质量驱动的适度上涨。</p>
</div><blockquote>
<p><em>The analysts have a consensus price target of $87.0 for Wells Fargo based on their expectations of its future earnings growth, profit margins and other risk factors. However, there is a degree of disagreement amongst analysts, with the most bullish reporting a price target of $95.0, and the most bearish reporting a price target of just $72.0.</em></p>
</blockquote>
<div class="lb-trans"><blockquote>
<p><em>分析师对富国银行的共识目标价为 87.0 美元，基于他们对未来收益增长、利润率和其他风险因素的预期。然而，分析师之间存在一定的分歧，最乐观的分析师报告的目标价为 95.0 美元，而最悲观的分析师报告的目标价仅为 72.0 美元。</em></p>
</blockquote>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Want to see what justifies a higher fair value than the Street target? The narrative leans on steady growth, resilient margins, and a richer future earnings multiple. Curious which specific long range profit assumptions power that view? Open the full narrative to see the numbers behind this valuation call.</p>
<div class="lb-trans"><p>想看看什么因素支持高于市场目标的公允价值吗？叙述依赖于稳定的增长、韧性的利润率和更高的未来收益倍数。想知道哪些具体的长期利润假设支撑这一观点吗？打开完整叙述，查看这一估值判断背后的数字。</p>
</div><p><strong>Result: Fair Value of $94.50 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 94.50 美元（被低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, persistent regulatory burdens or a slower than expected digital transformation could erode margins and stall the rerating that underpins this optimistic view.</p>
<div class="lb-trans"><p>然而，持续的监管负担或数字化转型进展缓慢可能会侵蚀利润率，并阻碍支撑这一乐观观点的重新评级。</p>
</div><p>Find out about the key risks to this Wells Fargo narrative.</p>
<div class="lb-trans"><p>了解富国银行叙述的关键风险。</p>
</div><h2>Another Angle on Value</h2>
<div class="lb-trans"><h2>价值的另一种角度</h2>
</div><p>Our DCF model suggests a stronger upside case than the narrative fair value. Wells Fargo is trading about 17.7% below its estimated intrinsic value of $113.02. If cash flows support a much higher price than sentiment implies, is the market underestimating the long term earnings power here?</p>
<div class="lb-trans"><p>我们的 DCF 模型表明，较叙述的公允价值有更强的上涨潜力。富国银行的交易价格约低于其估计的内在价值 113.02 美元的 17.7%。如果现金流支持的价格远高于市场情绪所暗示的，市场是否低估了这里的长期收益能力？</p>
</div><p>Look into how the SWS DCF model arrives at its fair value.</p>
<div class="lb-trans"><p>了解 SWS DCF 模型如何得出其公允价值。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/277f24ea-a3cc-4a35-95f9-2be9b77fdcd1/chart/dcf" alt="" original-src="https://images.simplywall.st/company/277f24ea-a3cc-4a35-95f9-2be9b77fdcd1/chart/dcf"/></p>
<p>WFC Discounted Cash Flow as at Dec 2025</p>
<div class="lb-trans"><p>截至 2025 年 12 月的 WFC 折现现金流</p>
</div><h2>Build Your Own Wells Fargo Narrative</h2>
<div class="lb-trans"><h2>构建你自己的富国银行叙述</h2>
</div><p>If you see things differently or want to dig into the numbers yourself, you can craft a personalized view in just a few minutes: Do it your way.</p>
<div class="lb-trans"><p>如果你有不同的看法或想自己深入研究数据，可以在几分钟内制定个性化的观点：按你的方式进行。</p>
</div><p>A great starting point for your Wells Fargo research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision.</p>
<div class="lb-trans"><p>你对富国银行研究的一个很好的起点是我们的分析，强调 3 个关键回报和 1 个可能影响你投资决策的重要警示信号。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>Before you move on, put Wells Fargo in context by comparing it with other high potential opportunities using our powerful, data driven Simply Wall Street Screener.</p>
<div class="lb-trans"><p>在继续之前，通过使用我们强大的数据驱动的 Simply Wall Street 筛选器，将富国银行与其他高潜力机会进行比较。</p>
</div><ul>
<li>Capitalize on mispriced opportunities by scanning these 913 undervalued stocks based on cash flows built on rigorous cash flow analysis rather than hype.</li>
<li>Ride structural growth trends by targeting innovators shaping tomorrow’s economy with these 24 AI penny stocks at the forefront.</li>
<li>Strengthen your passive income strategy by hunting for reliable payers via these 12 dividend stocks with yields &gt; 3% delivering yields above 3%.</li>
</ul>
<div class="lb-trans"><ul>
<li>通过扫描这些 913 只基于现金流的被低估股票，利用错误定价的机会，这些股票是基于严格的现金流分析而非炒作。</li>
<li>通过瞄准塑造明天经济的创新者，利用这 24 只处于前沿的 AI 便士股票，乘势而上。</li>
<li>通过寻找这些 12 只收益率超过 3% 的可靠分红股票，增强你的被动收入策略。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们提供基于历史数据和分析师预测的评论，采用无偏见的方法，我们的文章并不构成财务建议。</strong> 它不构成买入或卖出任何股票的推荐，也不考虑你的目标或财务状况。我们旨在为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 对提到的任何股票没有持仓。</em></p>
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<div class="lb-trans"><p>用于国防和灾难的移动基础设施</p>
</div><p>The next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.</p>
<div class="lb-trans"><p>下一波机器人技术不是人形的，而是完全自主的塔楼，在 30 分钟内提供 5G、ISR 和雷达，随时随地。</p>
</div><p>Get the investor briefing before the next round of contracts</p>
<div class="lb-trans"><p>在下一轮合同之前获取投资者简报</p>
</div><p>Sponsored On Behalf of CiTech</p>
<div class="lb-trans"><p>由 CiTech 赞助</p>
</div>

在富国银行（WFC）股价强劲上涨后评估其估值