Wells Fargo & Company (WFC)

Over the past six months, Wells Fargo & Co. (WFC) stock price has seen a notable increase. From October 28, 2024, to October 24, 2025, the share price increased by 31.70%, and year-to-date, as of October 26, 2025, the stock climbed 23.1%. This positive performance has been influenced by shifts in the regulatory outlook, broad gains across the financial sector, and expectations for higher interest rates. The third-quarter earnings season for 2025 has also been a key event for market direction.

Demand for Wells Fargo's products and services is influenced by business cycles and the broader economy. While there isn't explicit information detailing traditional seasonal peaks and troughs, the company's performance is tied to economic conditions and consumer spending trends. Spending patterns and consumer use of debit and credit cards remained generally consistent and continued to grow year over year as of April 2024. There isn't a strong indication of predictable, calendar-based seasonality for its diverse range of financial products.

Wells Fargo & Company is a multinational financial services company and one of the "Big Four Banks" in the United States. It operates within the Financials sector, providing banking, investment, and mortgage products and services to individuals, businesses, and institutions globally. Its offerings include banking services such as checking and savings accounts, lending, and payment services; investment and wealth management services like asset management and stockbrokerage; and other services including insurance and investment banking.

Wells Fargo has a significant global presence, operating in 35 countries and serving over 70 million customers worldwide. Its corporate headquarters are in San Francisco, California, with executive headquarters in New York City, and it maintains a broad network of offices across the United States and internationally. Its international operations are organized into four regions: Asia Pacific, Canada, Europe, Middle East and Africa (EMEA), and India and the Philippines.

Wells Fargo's brand reputation in the past year has continued to be impacted by ongoing legal and regulatory issues, stemming from past scandals. In October 2025, Wells Fargo agreed to pay $85 million to settle a 2022 federal lawsuit alleging bogus interviews and $19.5 million in a class-action lawsuit in California over unauthorized phone call recordings. These events highlight continued scrutiny and efforts by the company to address past misconduct and rebuild trust.

Wells Fargo & Co. is a publicly owned company, with institutional investors holding a substantial portion of its shares, approximately 77% to 80% of WFC's outstanding shares. The largest institutional shareholders include Vanguard Group Inc., BlackRock, Inc., and Fmr Llc (Fidelity Management and Research Company). Individual insider ownership is comparatively small, at about 0.09% to under 1%. Notable individual insider shareholders as of April 2025 include Charles Scharf (CEO and President), Jonathan Weiss, and Michael Santomassimo.