Wells Fargo (WFC) Reports Q4 2025: $5.36B Net Income Amid Revenue Miss
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 15 2026
0mins
Should l Buy WFC?
Source: NASDAQ.COM
- Performance Overview: Wells Fargo's Q4 2025 total revenue reached $21.29 billion, a 4% year-over-year increase, yet it fell short of the analyst expectation of $21.64 billion, leading to a 4.6% drop in stock price due to concerns over revenue growth.
- Net Income Results: The bank reported a net income of $5.36 billion, or $1.76 per share, reflecting a nearly 6% increase from the previous year; however, despite beating profit expectations, the revenue miss raised market apprehensions about future growth prospects.
- Loan and Deposit Growth: Average loans rose by 5% to nearly $956 billion, while average deposits increased by 4% to just under $1.38 trillion, indicating strong competitiveness in the lending market, although overall performance lagged behind other major banks.
- Credit Card and Auto Lending: The credit card segment saw a robust 20% increase in new accounts, and auto loan balances surged by 19%, suggesting a rebound in consumer spending, which, despite the mixed overall results, may lay a foundation for future growth.
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Analyst Views on WFC
Wall Street analysts forecast WFC stock price to rise
17 Analyst Rating
10 Buy
6 Hold
1 Sell
Moderate Buy
Current: 80.570
Low
74.00
Averages
98.66
High
113.00
Current: 80.570
Low
74.00
Averages
98.66
High
113.00
About WFC
Wells Fargo & Company is a financial services company. The Company provides a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, to individuals, businesses and institutions. The Company operates through four segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. The Company provides consumer financial products and services, including checking and savings accounts, credit and debit cards, and auto, residential mortgage, and small business lending. In addition, the Company offers financial planning, private banking, investment management, and fiduciary services. It also provides financial solutions to businesses through products and services including traditional commercial loans and lines of credit, letters of credit, asset-based lending and leasing, trade financing, treasury management, and investment banking services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Bank of America Upgrades Vale: Bank of America upgraded Vale from hold to buy, suggesting that now is an attractive entry point for investors in the iron ore producer, despite Vale's stock dropping nearly 7% since the Iran conflict began, while iron ore prices have risen about 8%.
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- Tech Stock Buying Opportunities: Sameer Samana from Wells Fargo notes that the sharp pullback in equities has created opportunities for high net worth investors to buy tech stocks at more reasonable valuations, particularly in the software and hardware sectors, reflecting confidence in future growth potential.
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- Massive IPO Potential: The anticipated IPOs of companies like OpenAI and SpaceX, with SpaceX valued at $1.75 trillion and collaborating with banks like Goldman Sachs and Wells Fargo, highlight strong market demand for large transactions that could significantly boost banks' revenues.
- Interest Rate Policy Impact: The potential for a new Fed chair to implement more accommodative monetary policy could lead to lower borrowing costs; while this may compress banks' net interest income, it could also stimulate loan demand, supporting revenue growth for Goldman Sachs and Wells Fargo.
- Earnings Outlook Positive: Upcoming earnings reports from Goldman Sachs and Wells Fargo are highly anticipated, particularly with Goldman expected to see a 25% year-over-year revenue increase in its investment banking division, and Wells Fargo projecting net interest income of $50 billion, indicating robust growth potential.
See More
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- Nike Downgrade: Following another disappointing earnings report, Nike was downgraded to a hold-equivalent 2 rating; despite beating revenue and sales expectations, the weak guidance has forced Wall Street to lower future expectations, highlighting ongoing challenges for the company.
- Boeing Share Surge: Boeing shares rallied another 5% on Wednesday after analysts initiated coverage with a buy rating and a price target of $250, reflecting market optimism about future orders, with Jim Cramer expressing strong support for the stock's recovery.
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- RH's Poor Earnings Report: Luxury home furnishings maker RH fell short on key metrics in its fourth quarter, and its current quarter guidance was also weak, impacted by tariffs and a sluggish housing market, leading to an 18% drop in shares, although its full-year cash flow guidance improved, the overall outlook remains bleak.
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- Disney Upgrade: Raymond James upgrades Disney from Market Perform to Outperform with a price target of $115, viewing the current macro backdrop and international visitation challenges as an attractive investment opportunity, reflecting optimism about its valuation.
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