AIVL1.485%
as of Oct 23
WFC
GrowthWELLS FARGO & CO
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. It operates through four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The company's financial products and services includes checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services.
Close · 3M
-0.90%
Held by 2 AI ETFs
PQUS0.990%
as of Oct 23
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals19
Win rate0% (0/19)
Avg buy return-4.53%
AIVL · Weight decrease · 2d
weight 1.527% → 1.484% (-0.043 pp)·stock down 5.0% in the 30 days before
Oct 20·entry $82.20·now $82.39
+0.23%
since Oct 20
AIVL · Accumulation · 5d
weight 1.493% → 1.527% (+0.034 pp)·stock down 3.5% in the 30 days before
Oct 16·entry $83.87·now $82.39Fresh
-1.76%
since Oct 16
AIVL · Weight increase · 2d
weight 1.476% → 1.505% (+0.029 pp)·stock down 4.9% in the 30 days before
Oct 15·entry $82.75·now $82.39Fresh
-0.44%
since Oct 15
AIVL · Weight decrease · 2d
weight 1.533% → 1.476% (-0.057 pp)·stock down 9.0% in the 30 days before
Oct 13·entry $80.74·now $82.39
+2.04%
since Oct 13
AIVL · Weight increase · 2d
weight 1.493% → 1.533% (+0.040 pp)·stock down 6.6% in the 30 days before
Oct 9·entry $83.55·now $82.39Fresh
-1.39%
since Oct 9
AIVL · Weight decrease · 2d
weight 1.518% → 1.494% (-0.025 pp)·stock down 8.8% in the 30 days before
Oct 7·entry $80.26·now $82.39
+2.65%
since Oct 7
AIVL · Weight decrease · 3d
weight 1.555% → 1.518% (-0.038 pp)·stock down 7.3% in the 30 days before
Sep 30·entry $80.05·now $82.39
+2.92%
since Sep 30
AIVL · Weight decrease · 2d
weight 1.555% → 1.519% (-0.037 pp)·stock down 7.2% in the 30 days before
Sep 29·entry $80.48·now $82.39
+2.37%
since Sep 29
AIVL · Weight increase · 2d
weight 1.525% → 1.555% (+0.030 pp)·stock down 2.7% in the 30 days before
Sep 25·entry $82.97·now $82.39Fresh
-0.70%
since Sep 25
AIVL · Weight decrease · 2d
weight 1.604% → 1.526% (-0.078 pp)·stock down 3.3% in the 30 days before
Sep 23·entry $81.90·now $82.39
+0.60%
since Sep 23
AIVL · Weight decrease · 3d
weight 1.661% → 1.602% (-0.059 pp)·stock up 0.2% in the 30 days before
Sep 18·entry $86.12·now $82.39
-4.33%
since Sep 18
AIVL · Weight decrease · 2d
weight 1.661% → 1.612% (-0.050 pp)·stock down 0.6% in the 30 days before
Sep 17·entry $86.89·now $82.39
-5.18%
since Sep 17
AIVL · Accumulation · 5d
weight 1.610% → 1.661% (+0.051 pp)·stock up 1.0% in the 30 days before
Sep 15·entry $89.72·now $82.39Fresh
-8.17%
since Sep 15
AIVL · Accumulation · 5d
weight 1.567% → 1.663% (+0.096 pp)·stock up 1.5% in the 30 days before
Sep 11·entry $90.29·now $82.39Fresh
-8.75%
since Sep 11
AIVL · Accumulation · 5d
weight 1.559% → 1.657% (+0.098 pp)·stock up 2.3% in the 30 days before
Sep 10·entry $89.45·now $82.39Fresh
-7.89%
since Sep 10
AIVL · Accumulation · 5d
weight 1.530% → 1.653% (+0.123 pp)·stock up 2.5% in the 30 days before
Sep 9·entry $89.67·now $82.39Fresh
-8.12%
since Sep 9
-6.33%
since Sep 8
-8.43%
since Sep 4
-7.62%
since Sep 3
-7.71%
since Sep 2
-4.63%
since Aug 31
-4.96%
since Aug 28
-2.83%
since Aug 25
-2.75%
since Aug 24
-1.57%
since Aug 20
PQUS · Accumulation · 5d
weight 0.950% → 1.010% (+0.060 pp)·stock down 3.5% in the 30 days before
Oct 16·entry $83.87·now $82.39Fresh
-1.76%
since Oct 16
PQUS · Weight increase · 2d
weight 0.950% → 0.980% (+0.030 pp)·stock down 4.9% in the 30 days before
Oct 15·entry $82.75·now $82.39Fresh
-0.44%
since Oct 15
PQUS · Weight increase · 2d
weight 0.950% → 0.980% (+0.030 pp)·stock down 6.6% in the 30 days before
Oct 9·entry $83.55·now $82.39Fresh
-1.39%
since Oct 9
-2.75%
since Aug 22
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of Oct 11
AIVL has been mixed, trimming in late September and early October before adding +0.0395pp on 2026-10-09 to reach 1.53%, while PQUS added +0.03pp to 0.98% the same day, and LQAI exited entirely on 2026-09-29. The accumulation by AIVL and PQUS conflicts with a Fail verdict that rests on sub-15% ROE and no obvious discount, though LQAI's exit and AIVL's earlier trims are more consistent with this read. The small size of the moves suggests rebalancing rather than strong conviction either way.
- Circle of CompetenceA large diversified bank's earning power (net interest income, fees, credit costs) is the kind of business this framework has historically judged predictable over a ten-year view, even though credit cycles add volatility.
- Economic MoatA low-cost deposit franchise, national scale, and sticky consumer and commercial relationships give a real but narrower moat than a payment network, and the asset cap and regulatory history show it can be constrained.
- ManagementCandour and skin in the game cannot be judged from the data provided, and the history of sales-practice scandals and regulatory consent orders is a real concern that recent improvements only partly offset.
- Financial HealthROE of 12.55% is below the 15% threshold, a bank's leverage is structural, and the EV/EBITDA of 36.39 and 72.75% revenue growth are distorted by how banks are measured, so owner earnings cannot be cleanly derived.
- Margin of SafetyA PER of 10.55 looks modest, but a PBR of 1.62 against a 12.55% ROE suggests a fair price at best, which does not provide a clear margin of safety.
Wells Fargo sits inside the circle of competence and has a credible, if limited, moat, but its 12.55% ROE misses the quality bar and a 1.62x book multiple leaves little margin of safety. Management quality could not be fully verified, and the company's regulatory past weighs on that stage. Under this framework it is a decent bank at a fair price rather than a wonderful business at a discount.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.