HomeCompareWFC vs MOS

WFC vs MOS: Dividend Comparison 2026

WFC yields 2.34% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $929.99M in total portfolio value
10 years
WFC
WFC
● Live price
2.34%
Share price
$76.80
Annual div
$1.80
5Y div CAGR
36.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$56.7K
Annual income
$12,102.64
Full WFC calculator →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — WFC vs MOS

📍 MOS pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodWFCMOS
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, WFC + MOS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
WFC pays
MOS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

WFC
Annual income on $10K today (after 15% tax)
$199.22/yr
After 10yr DRIP, annual income (after tax)
$10,287.24/yr
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $749,648,945.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of WFC + MOS for your $10,000?

WFC: 50%MOS: 50%
100% MOS50/50100% WFC
Portfolio after 10yr
$465.05M
Annual income
$440,982,070.61/yr
Blended yield
94.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on WFC right now

WFC
Analyst Ratings
27
Buy
29
Hold
4
Sell
Consensus: Hold
Price Target
$98.75
+28.6% upside vs current
Range: $74.00 — $113.00
Altman Z
-0.4
Piotroski
5/9
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

WFC buys
0
MOS buys
0
No recent congressional trades found for WFC or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricWFCMOS
Forward yield2.34%3.52%
Annual dividend / share$1.80$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR36.7%100%
Portfolio after 10y$56.7K$930.05M
Annual income after 10y$12,102.64$881,952,038.58
Total dividends collected$32.6K$926.56M
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusHoldHold
Analyst price target$98.75$33.80

Year-by-year: WFC vs MOS ($10,000, DRIP)

YearWFC PortfolioWFC Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,020$320.39$11,405$704.56$385.00MOS
2$12,243$451.09$13,705$1,501.91$1.5KMOS
3$13,740$640.23$18,038$3,373.54$4.3KMOS
4$15,620$917.96$27,600$8,299.26$12.0KMOS
5$18,047$1,333.21$53,268$23,735.99$35.2KMOS
6$21,278$1,967.87$142,624$85,627.61$121.3KMOS
7$25,731$2,964.23$581,146$428,538.38$555.4KMOS
8$32,112$4,579.67$3,885,667$3,263,840.61$3.85MMOS
9$41,662$7,301.75$44,947,834$40,790,171.07$44.91MMOS
10$56,681$12,102.64$930,046,221$881,952,038.58$929.99MMOS

WFC vs MOS: Complete Analysis 2026

WFCFinancials

Wells Fargo & Company, a diversified financial services company, provides 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 Consumer Banking and Lending segment offers diversified financial products and services for consumers and small businesses. Its financial products and services include checking and savings accounts, and credit and debit cards, as well as home, auto, personal, and small business lending services. The Commercial Banking segment provides financial solutions to private, family owned, and certain public companies. Its products and services include banking and credit products across various industry sectors and municipalities, secured lending and lease products, and treasury management services. The Corporate and Investment Banking segment offers a suite of capital markets, banking, and financial products and services to corporate, commercial real estate, government, and institutional clients. Its products and services comprise corporate banking, investment banking, treasury management, commercial real estate lending and servicing, equity, and fixed income solutions, as well as sales, trading, and research capabilities services. The Wealth and Investment Management segment provides personalized wealth management, brokerage, financial planning, lending, private banking, and trust and fiduciary products and services to affluent, high-net worth, and ultra-high-net worth clients. It also operates through financial advisors. Wells Fargo & Company was founded in 1852 and is headquartered in San Francisco, California.

Full WFC Calculator →

MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS Calculator →
📬

Get this WFC vs MOS comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

WFC vs SCHDWFC vs JEPIWFC vs OWFC vs KOWFC vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.