Wells Fargo & Company (WFC)

Wells Fargo's stock price has fluctuated, with a 36.35% increase from July 22, 2024, to $80.64 as of July 18, 2025. Key events include the Q2 2025 earnings report, where the company beat analyst expectations but cut its full-year guidance for net interest income, leading to a stock drop. Analysts have shown growing confidence in WFC, and members of Congress have traded WFC stock. The company disclosed $690,000 in lobbying and pays quarterly dividends.

Demand for Wells Fargo's products and services is influenced by seasonal patterns and economic cycles. Consumer spending increases in the spring, leading to higher loan demand. Businesses finalize budgets in the spring, increasing demand for corporate financing. Deposit flows generally follow seasonal trends. Noninterest expenses can be affected by seasonally higher personnel expenses in the first quarter. Mortgage loan originations increased in Q2 2025, and the company has seen strong new account growth in credit cards and slightly higher auto and other consumer loans.

Wells Fargo & Company, one of the Big Four Banks in the U.S., operates as a bank holding company with four main segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. It offers a range of financial products and services, including checking and savings accounts, loans, capital markets solutions, and wealth management services.

Wells Fargo has a substantial geographic footprint, operating banking stores in numerous U.S. states and globally operates in 35 countries, serving over 70 million customers worldwide. It has international offices in major cities and back-offices in India and the Philippines.

Wells Fargo has been actively working to rebuild its brand reputation, focusing on addressing past challenges, simplifying its businesses, and investing to better serve customers. Efforts to reduce non-performing assets, improve financial performance, and reduce expenses have been positive signs for investor confidence.

Wells Fargo & Company is predominantly owned by institutional investors, holding approximately 75.72% to 78% of the company's stock. Major institutional owners include Vanguard Group Inc. and BlackRock, Inc. Insiders own approximately 0.12% to 31.44% of the company, with Berkshire Hathaway Inc. being the largest individual shareholder. Key individual insider shareholders include CEO and President Charles Scharf.