A shell-shocked economy, spiraling debt at financial institutions, or just plain bad management -- on any given day, investors can name a number of reasons to sell a stock. Yet while panic never helps investors, it's still a good idea to play devil's advocate with investments.

In Motley Fool CAPS, more than 135,000 members have weighed in on nearly 5,300 stocks, sharing bullish and bearish opinions alike.

Consider big-name bank Wells Fargo (NYSE:WFC). The company is emerging from the financial collapse, but in Motley Fool CAPS, a significant number of the 4,156 members weighing in on the company still offer reasons to be bearish. I've already plucked out some of the common bullish rationale backing Wells Fargo today, so here are three counterpoints, courtesy of CAPS:

1. Consumers still a drag: Wells Fargo peer JPMorgan Chase reported strong quarterly results, yet showed large consumer credit losses and predicts further commercial real estate losses. While some may anticipate a strong second quarter from Wells Fargo, many expect its large commercial and residential mortgage portfolios acquired through the Wachovia acquisition to continue to rear their ugly head.

2. Government bankrolled: While banks like US Bancorp (NYSE:USB), Morgan Stanley (NYSE:MS), and American Express (NYSE:AXP) have paid back TARP funds to the U.S. government, Wells Fargo stands with Bank of America (NYSE:BAC), Citigroup (NYSE:C), and other banks that are still on the hook. It also has yet to assemble the full $13.7 billion required after the government’s stress tests, potentially leaving it at a disadvantage to peers.

3. The ground is still shaky: High unemployment and rising consumer credit default rates are putting pressure on consumer-focused banks like Wells and Capital One (NYSE:COF). And meeting stress test requirements doesn’t guarantee that banks can’t go insolvent at some point, leaving some investors wary of relying on stress test forecasts given through rose-colored glasses.

Of course, Wells Fargo has survived and thrived despite dozens of obstacles in the past. But the question about whether the company can weather the current storm is why CAPS is such a great resource to augment your own analysis.

To see what the very best CAPS members are saying now about Wells Fargo, just click on over to Motley Fool CAPS and have a look -- it's all free, and even open to your opinion.

More Foolishness:

The Motley Fool Inside Value team looks for beaten-down and left-for-dead stocks that are selling at bargain prices well below their intrinsic value. To see the full list of companies recommended today, take a free 30-day trial.

Fool contributor Dave Mock learned at a young age that free money never comes without strings attached. He owns no shares of companies mentioned here. American Express is an Inside Value selection and the Fool owns shares. The Fool's disclosure policy was reportedly strong-armed into taking TARP funds.