JOE vs. WFC
JOE (The St. Joe Company) and WFC (Wells Fargo & Company) are both stocks. JOE operates in Real Estate - Diversified (Real Estate), while WFC operates in Banks - Diversified (Financial Services). Over the past 10 years, JOE returned 13.53%/yr vs 9.18%/yr for WFC. At a 0.33 correlation, their price movements are largely independent.
Performance
JOE vs. WFC - Performance Comparison
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Returns By Period
In the year-to-date period, JOE achieves a 4.14% return, which is significantly higher than WFC's -4.50% return. Over the past 10 years, JOE has outperformed WFC with an annualized return of 13.53%, while WFC has yielded a comparatively lower 9.18% annualized return.
JOE
- 1D
- 0.03%
- 1M
- -4.41%
- 6M
- -5.61%
- YTD
- 4.14%
- 1Y
- 23.70%
- 3Y*
- 5.83%
- 5Y*
- 9.15%
- 10Y*
- 13.53%
WFC
- 1D
- 0.64%
- 1M
- 3.55%
- 6M
- 0.05%
- YTD
- -4.50%
- 1Y
- 12.63%
- 3Y*
- 28.49%
- 5Y*
- 17.54%
- 10Y*
- 9.18%
JOE vs. WFC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
JOE The St. Joe Company | 4.14% | 33.68% | -24.64% | 57.12% | -25.07% | 23.45% | 114.56% | 50.57% | -27.04% | -5.00% |
WFC Wells Fargo & Company | -4.50% | 35.57% | 46.48% | 22.94% | -11.92% | 61.15% | -41.65% | 21.44% | -21.83% | 13.21% |
Correlation
The correlation between JOE and WFC is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.31 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.38 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.36 |
Correlation (All Time) Calculated using the full available price history since Mar 10, 1992 | 0.33 |
The correlation between JOE and WFC shifts across timeframes, from 0.18 (1 year) to 0.38 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
JOE:
$3.53B
WFC:
$269.51B
JOE:
$1.94
WFC:
$7.11
JOE:
31.65
WFC:
12.38
JOE:
2.18
WFC:
1.07
JOE:
6.85
WFC:
2.17
JOE:
4.62
WFC:
1.65
JOE:
$518.10M
WFC:
$129.11B
JOE:
$519.40M
WFC:
$83.28B
JOE:
$193.85M
WFC:
$33.13B
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Return for Risk
JOE vs. WFC — Risk / Return Rank
JOE
WFC
JOE vs. WFC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The St. Joe Company (JOE) and Wells Fargo & Company (WFC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| JOE | WFC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.30 | ||
| Sortino ratioReturn per unit of downside risk | +0.53 | ||
| Omega ratioGain probability vs. loss probability | 1.16 | 1.10 | +0.06 |
| Calmar ratioReturn relative to maximum drawdown | 1.34 | 0.55 | +0.79 |
| Martin ratioReturn relative to average drawdown | 3.27 | 1.19 | +2.08 |
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Drawdowns
JOE vs. WFC - Drawdown Comparison
The maximum JOE drawdown since its inception was -84.33%, which is greater than WFC's maximum drawdown of -79.01%. Use the drawdown chart below to compare losses from any high point for JOE and WFC.
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Drawdown Indicators
| JOE | WFC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.33% | -79.01% | -5.32% |
Max Drawdown (1Y)Largest decline over 1 year | -17.78% | -23.02% | +5.24% |
Max Drawdown (3Y)Largest decline over 3 years | -35.71% | -24.73% | -10.98% |
Max Drawdown (5Y)Largest decline over 5 years | -48.43% | -37.10% | -11.33% |
Max Drawdown (10Y)Largest decline over 10 years | -48.43% | -64.46% | +16.03% |
Current DrawdownCurrent decline from peak | -21.26% | -7.66% | -13.60% |
Average DrawdownAverage peak-to-trough decline | -51.19% | -15.34% | -35.85% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.26% | 10.64% | -3.38% |
Volatility
JOE vs. WFC - Volatility Comparison
The St. Joe Company (JOE) and Wells Fargo & Company (WFC) have volatilities of 8.13% and 7.80%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| JOE | WFC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.13% | 7.80% | +0.33% |
Volatility (6M)Calculated over the trailing 6-month period | 21.30% | 20.69% | +0.61% |
Volatility (1Y)Calculated over the trailing 1-year period | 30.71% | 26.57% | +4.14% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 32.27% | 29.99% | +2.28% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.42% | 32.29% | +0.13% |
Dividends
JOE vs. WFC - Dividend Comparison
JOE's dividend yield for the trailing twelve months is around 1.01%, less than WFC's 2.04% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
JOE The St. Joe Company | 1.01% | 0.98% | 1.16% | 0.73% | 1.03% | 0.61% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
WFC Wells Fargo & Company | 2.04% | 1.82% | 2.14% | 2.64% | 2.66% | 1.25% | 4.04% | 3.57% | 3.56% | 2.54% | 2.75% | 2.71% |
Financials
JOE vs. WFC - Financials Comparison
This section allows you to compare key financial metrics between The St. Joe Company and Wells Fargo & Company. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
JOE vs. WFC - Profitability Comparison
JOE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, The St. Joe Company reported a gross profit of 77.49M and revenue of 99.04M. Therefore, the gross margin over that period was 78.2%.
WFC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Wells Fargo & Company reported a gross profit of 21.71B and revenue of 33.59B. Therefore, the gross margin over that period was 64.6%.
JOE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, The St. Joe Company reported an operating income of 18.18M and revenue of 99.04M, resulting in an operating margin of 18.4%.
WFC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Wells Fargo & Company reported an operating income of 8.05B and revenue of 33.59B, resulting in an operating margin of 24.0%.
JOE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, The St. Joe Company reported a net income of 13.93M and revenue of 99.04M, resulting in a net margin of 14.1%.
WFC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Wells Fargo & Company reported a net income of 6.41B and revenue of 33.59B, resulting in a net margin of 19.1%.
Frequently Asked Questions
JOE and WFC have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
JOE has higher volatility (8.13%) compared to WFC (7.80%). In terms of maximum drawdown, JOE dropped -84.33% vs WFC's -79.01%.
JOE currently has the higher Sharpe Ratio (0.78 vs 0.48), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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