Wells Fargo & Company Q4 Earnings Call Highlights

3 days ago 3

MarketBeat

Wed, January 14, 2026 astatine 11:20 AM CST 9 min read

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Wells Fargo reported beardown 2025 results with $21.3 billion nett income (EPS up 17%) and returned $23 billion to shareholders (13% dividend summation and $18 cardinal of buybacks), but expects buybacks to beryllium little successful 2026 arsenic it pursues integrated growth; absorption called the Fed’s removal of the asset cap “a pivotal moment” and reiterated a CET1 people of ~10–10.5% (Q4 CET1 10.6%).
Q4 results showed $5.4 cardinal successful net (EPS $1.62) with the strongest linked-quarter indebtedness maturation since Q1 2020 (period-end loans +5%) and deposit growth, and absorption guided 2026 nett involvement income to astir $50 billion (Markets NII ~ $2 billion), assuming 2–3 Fed complaint cuts.
Expense subject remains central—headcount is down much than 25% since mid‑2020 and Wells Fargo forecasts 2026 non-interest disbursal of astir $55.7 billion with ~$2.4 cardinal of gross ratio savings and an expected ~$700 cardinal diminution successful severance; recognition trends are described arsenic “strong” though commercialized existent property (office) has raised immoderate plus stress.
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Wells Fargo & Company (NYSE:WFC) executives highlighted higher earnings, equilibrium expanse growth, and continued disbursal subject during the bank’s fourth-quarter net call, portion besides outlining expectations for 2026 nett involvement income and expenses pursuing a twelvemonth marked by the removal of the Federal Reserve’s plus cap.

CEO Charlie Scharf said 2025 results reflected “significant momentum” crossed the company. Wells Fargo reported nett income of $21.3 cardinal for 2025, with diluted net per stock up 17% from a twelvemonth ago. Scharf said fee-based gross roseate 5% twelvemonth implicit year, describing the summation arsenic broad-based crossed user and commercialized businesses.

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Expense absorption remained a cardinal theme. Scharf noted the institution generated affirmative operating leverage and said Wells Fargo has reduced headcount for 22 consecutive quarters, with headcount down much than 25% since the 2nd 4th of 2020. The institution returned $23 cardinal of superior to shareholders successful 2025, including a 13% summation successful the communal dividend per stock and $18 cardinal of communal banal repurchases. Scharf said the slope expects stock repurchases to beryllium little successful 2026 fixed opportunities for integrated growth, and reiterated a people CET1 scope of astir 10% to 10.5%.