Wells Fargo Company is a large Western and Midwestern Company that has been providing the financial services to more than 23 million customers. The branches of Wells Fargo Bank have been dispersed to 6000 locations and more than 150000 people are the employees of the bank. The total assets of the bank are $500 billion. The bank has been offering various services to its customers, however, the services to the bank are not only limited to deposits and lending money and half of its revenues come from interest income. The other business areas of Wells Fargo Bank include as brokerage services, asset management, and investment banking. Moreover, the company also generates huge revenues from venture capital investments. The analysis of the company is considering various aspects of the company and not only its services. 

Wells Fargo Bank has been giving a great focus on cross-selling because the aim of the company is to double its products and number of customers. Through cross selling the bank has been able to generate huge profitability because expenses are decreased relative to revenues. If a financial institution offers a wide range of financial services, then it’s good not only from the perspective of the seller but also from the perspective of the customers. Keeping this thing in its philosophy, the Wells Fargo Bank has been always satisfying its customers. The practices and performance of the company shows that there are three basic elements which are contributing to the overall success of the company including positive experience of the customers, trust and quality of services. 

Financial information of the company is also very important in its analysis. Therefore, if we consider the share yield of Wells Fargo Bank, we will see that its yield is above than 3% which is a very good value. The reason is that in the current economic crisis, the major sufferer is the banking industry and most of the banks have shown very poor share yields. In such a big crisis, Wells Fargo Bank is able to maintain its yield which shows its profitability. In addition the price to earnings ratio of the bank is less than 15 and the price to book ratio is just below 2.75. Moreover, Wells Fargo Bank has also performed very well as compared to the S&P 500.

Wells Fargo Bank is the only company in the United States which has earned the highest Moody’s rating. The major stockholder of the stocks of the company is Berkshire Hathaway. The double digit growth has been seen in the earnings and revenues of the company and the return on equity is more than 20%. Wells Fargo Bank has also plans to diversify its services in future which will further increase the streams of revenues to the company.  Wells Fargo Bank is a distinctive bank because of its extraordinary growth and profitability. The two major opportunities which are used by the company for its growth include the geographical expansion and cross selling. The investors argue that there is still plenty of room to expand and grow. The market value of Wells Fargo Bank is very high and after investing in Wells Fargo Bank, you will actually find a great worth of your money. 

In conclusion, Wells Fargo Bank is one of the leading banks in the United States. It has been showing growth not only in its profits but also in the overall expansion of its operations. Therefore, Wells Fargo Bank’s ratings by Moody are reliable for the investors.