The company achieved 12.3% ROE and 14.5% ROTCE in Q4 2025, with revenue of $21.3 billion up 4% and pre-tax pre-provision profit of $7.6 billion, up 17%. Wells Fargo has been executing efficiency initiatives and rebalancing its business portfolio across consumer banking, commercial banking, and corporate investment banking segments to enhance profitability.
Cyborg Score Rationale
Wells Fargo beat Q4 2025 earnings expectations with EPS of $1.76 versus $1.66 expected, demonstrating strong operational execution. The company's substantial asset base and diversified revenue streams provide resilience, though regulatory scrutiny and legacy issues remain headwinds.
Top Insights
Net income excluding severance was $5.8 billion or $1.76 per diluted share in Q4 2025, with average deposits of $1.4 trillion up 2% and average loans up 5%
Strong pre-tax pre-provision profit growth of 17% YoY demonstrates improving operational leverage and credit quality
Consumer, Small and Business Banking segment drove growth with lower deposit pricing, higher deposit and loan balances in Q4 2025
Company maintains substantial deposit base and loan portfolio serving diverse customer segments across consumer and commercial markets
Named Competitors
Chase — Leading U.S. financial services conglomerate
Bank of America — Major retail and commercial banking provider
Citigroup — Global financial services competitor
Recent Developments
(January 2026) Wells Fargo reported Q4 2025 earnings beat with $1.76 EPS and 4% revenue growth to $21.3B
(Q4 2025) Pre-tax pre-provision profit surged 17% YoY to $7.6B with improved efficiency metrics
(2025) Strategic business transfers to optimize segment performance, including movement of $8B in loans to Consumer Banking
Open the full interactive Wells Fargo & Company report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.