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Wells Fargo Financial Analysis

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Purpose The Purpose of this report is to identify possible investment opportunities for Wells Fargo, to give an analysis report of the financial data, and other types of information and recommendations. This report shows the analysis of Wells Fargo's exposure to various sub-sectors and other financial information that helps the company grow as a whole. The reason we chose Wells Fargo was because of its rapid growth in the community and its overall perseverance since 1918 when Wells Fargo was just left with one bank in San Francisco when the Federal Government took over the nations express network.
History and Background Wells Fargo was founded on March 18, 1852, by Henry Wells and Will Fargo. They opened offices in the Gold Rush Port …show more content…

In the commercial banking segment, Wells Fargo has over 2,000 stand-alone mortgage branches throughout the country and also has many mini branches that are located inside grocery stores that offer basic teller services and ATMs. Wells Fargo services in over 1.8 trillion in home mortgages which is the second servicing portfolio in the U.S. Wells Fargo also offers student loans to college students. In their wholesale banking, they have products that are sold to large and small commercial companies. This includes lending, treasury management, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and capital market and investment banking through Wells Fargo Securities. The most profitable being asset-based lending. In the Wealth and Investment Management segment, Wells Fargo offers investment opportunities through their subsidiaries, Wells Fargo Investments, LLC and Wells Fargo Advisors, LLC as well as through national broker/dealer firms. Mutual funds are offered under the Wells Fargo Advantage Funds brand name. Wells Fargo Advisors is the brokerage subsidiary of Wells Fargo located in St. Louis, Missouri and is the third largest Brokerage firm in the U.S... Wells Fargo Securities is the investment banking division of Wells Fargo and generates between three and four billion per year in revenue. Wells Fargo two main competitors are Bank of America and J.P. Morgan Chase which generates revenue of 5.5 to 6 billion dollars yearly. Wells Fargo also operates internationally with offices in Hong Kong, London, Dubai, Singapore, Tokyo, Toronto, and

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As a diversified, community-based financial services company, Wells Fargo provides a series of services, including banking, insurance, investments, mortgage, and consumer and commercial finance through 8,700 locations. Its total assets at the end of 2009 were only $1243 billion while in 2015 this data have risen to more than $1787 billion which is a significant growth. When it comes to the equity, the percentage is basically smooth and steady with only a slightly increase less than 2% in 2013 from 9.2% to 11.2%. And the Tier 1 ratio also goes up smoothly during these years and reaches 12.56% in 2015 from 9.25% in 2009. As to the impaired loans over equity ratio, it experiences a lasting decrease during 2009 to 2015 where is only 12.89% with

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Wells Fargo has been in business for over 160 years and was founded on March 18, 1852, by Henry Wells and William Fargo. The company opened its first office, in San Francisco, on July 1852. Wells Fargo served the West with banking needs, which included gold and paper bank drafts, and offered quick delivery of gold or other valuables. In1855, the first of many financial dilemmas took place when a drought made it impossible to mine for gold, and this caused almost 200 businesses in San Francisco to fail, but Wells Fargo didn’t fail, they prospered. In the early1860s, Wells Fargo acquired almost all the stage lines from the Missouri River to California, giving them a monopoly on transcontinental delivery services.

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