Should Wells Fargo’s New Long-Dated Notes and Hires Reframe Its Earnings Story for WFC Investors?

• In early January 2026, Wells Fargo & Company announced a series of fixed-rate, callable senior unsecured notes maturing between 2030 and 2041, alongside preparations to release its fourth quarter 2025 earnings on January 14 and recent leadership hires in its capital markets and wealth businesses.
• Taken together, these funding moves, management additions, and upcoming results highlight Wells Fargo’s efforts to support long-term lending and fee businesses while investors reassess its earnings outlook.
• Against this backdrop, we’ll examine how anticipation around Wells Fargo’s upcoming fourth quarter earnings call could reshape its existing investment narrative.

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Wells Fargo Investment Narrative Recap

To own Wells Fargo today, you need to be comfortable with a large, diversified U.S. bank leaning on steady net interest income, growing fee businesses, and ongoing expense control, while regulatory and competitive pressures remain front of mind. The latest fixed-rate, callable senior unsecured note offerings and upcoming fourth quarter 2025 earnings call do not materially change the key near term catalyst, which is how management frames loan growth and margin trends, or the biggest risk around execution in a crowded, highly competitive banking market.

The most relevant recent development here is Wells Fargo’s series of new fixed-income offerings across maturities from 2030 to 2041, all in senior unsecured, callable form. For shareholders, these transactions matter mainly because they speak to how Wells Fargo funds its balance sheet to support lending and capital markets activity over time, which ties directly into whether the post asset cap growth opportunity in loans and fee income can be realized without adding undue funding or interest rate risk.

Yet while the funding side looks orderly, investors should still be aware that competitive pressure on loan yields and deposit pricing could...

Read the full narrative on Wells Fargo (it's free!)

Wells Fargo's narrative projects $90.6 billion revenue and $22.1 billion earnings by 2028.

Uncover how Wells Fargo's forecasts yield a $94.50 fair value, in line with its current price.

Exploring Other Perspectives

Five Simply Wall St Community fair value estimates span roughly US$74.70 to US$121.40, reflecting a wide spread of individual views. When you weigh that against Wells Fargo’s reliance on balance sheet growth after the asset cap removal, it underlines why different investors can reach very different conclusions about future performance and why it helps to review several perspectives before making up your mind.

Explore 5 other fair value estimates on Wells Fargo - why the stock might be worth as much as 29% more than the current price!

Build Your Own Wells Fargo Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Wells Fargo research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision.
• Our free Wells Fargo research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Wells Fargo's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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