There's no denying that "Mad Money" host Jim Cramer is entertaining, popular, and passionate. On many occasions, he's even right. So he's smart, funny, and the closest thing to a stock market rock star -- but is he smarter than you?

Cramming for Cramer
The Fool's free investing community, Motley Fool CAPS, aggregates the opinion of more than 135,000 members to assign ratings for each stock's likelihood of outperforming or underperforming the market.

Below, we look at some top stocks that Cramer picked and panned during last week's "lightning rounds," and compare them to how the CAPS community sees their future.

Stock

Lightning Round Show Date

Cramer's Rating 

CAPS Rating

Pfizer (NYSE:PFE)

Monday

Bearish

****

Terra Industries

Monday

Bearish

*****

Apple (NASDAQ:AAPL)

Tuesday

Bullish

***

IntercontinentalExchange

Tuesday

Bearish

****

Research In Motion (NASDAQ:RIMM)

Tuesday

Bearish

**

Wells Fargo (NYSE:WFC)

Wednesday

Bullish

***

Teck Resources (NYSE:TCK)

Wednesday

Bearish

****

Altria (NYSE:MO)

Thursday

Bullish

****

BP (NYSE:BP)

Thursday

Bullish

*****

Nordic American Tanker

Thursday

Bullish

****

Cramer says
Wachovia was once a conservatively run bank that stayed away from the exotica that imperiled many others. Then it bought Golden West Financial, whose specialty was option ARM mortgages, with 60% of its business in California. That move ultimately brought Wachovia to its knees. It was saved by Wells Fargo, but those Golden West chickens still haunt Wells' roost. Although he still likes the bank, Jim Cramer says the purchase was a big mistake:

Wells Fargo is a despised stock by many hedge fund managers. I frequently have to deal with that, because I own it for my charitable trust... I sit there and I think, the lies... the lies... the horror, the horror... and here's what I say... I think that the management at Wells obviously, obviously blew it when they bought Golden West... Mr. Stumpf, I wish, would come back on the show... I wish that Howard Atkins would come on the show... They tend to go on other shows. It does not hurt me... my feelings are not hurt, I'm not crushed... It bothers me immensely. Would you guys please come on the show. I like Wells Fargo.

CAPS says
The CAPS members who've rated Wells Fargo seem to agree, awarding the company a cautiously approving three-star rating. But BigFatBEAR sounds a cautionary note:

Tons of share dilution since last year, with a massive crater of long-term debt that's quite visible in its chart.

WFC looks like a safe underperform from here, with upside risk merely matching the market, but downside likely to score 20 or 30 points versus the market within a year. Stay away, especially from up here.

This Fool says
Wells Fargo certainly got a huge vote of investor confidence when Warren Buffett touted the bank as his favorite, saying it's the one he'd go all in on. Of course, that wouldn't be the first time people thought the Oracle was ready for the rubber room. It's possible that even Buffett was surprised to hear that Wells would have to raise so much equity capital after its stress test results came in.

The banking giant isn't out of the mortgage woods by any stretch. According to the latest quarterly report from the Mortgage Bankers Association, more than 13% of all Americans are either in foreclosure or behind on their payments. The situation continues to worsen (the same figure was 12% in the first quarter) and doesn't look like it will abate anytime soon. Prime mortgages are the loans now feeding the foreclosure fire, accounting for 58% of foreclosure starts.

Add in Wells Fargo's decision to stoke its investment banking arm, and to challenge Goldman Sachs even as many investors wonder whether the "universal bank" model is appropriate, and Wells' stock seems to carry considerable risk -- Buffett's endorsement notwithstanding.

Have your say
CAPS members may stand with Jim Cramer or on the opposite side of the field. But our investor intelligence community is more than the opinions of a handful of All-Stars -- even if they are TV personalities. What do you think? Is Cramer right, or off his rocker? Head over to CAPS to share your thoughts.

Motley Fool CAPS is a great place to start your own research on these stocks. Read a company's financial reports, scrutinize key data and charts, and examine the comments your fellow investors have made -- all from a stock's CAPS page. Best of all, it's free.

Apple is a Motley Fool Stock Advisor selection. Pfizer is a Motley Fool Inside Value recommendation. Try any of our Foolish newsletter services today, free for 30 days.

Fool contributor Rich Duprey does not have a financial position in any of the stocks mentioned in this article. You can see his holdings here. Give the Motley Fool's disclosure policy a full checkup.