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Why Wells Fargo's Turnaround Just Hit High Gear
Written by Jeffrey Neal Johnson. Published 10/17/2025.
Key Points
- The bank's impressive quarterly performance was driven by broad strength across its fee-based businesses and stable interest income.
- With key regulatory constraints removed, management has set more ambitious profitability targets for the company's medium-term future.
- A strong commitment to enhancing shareholder value is evident through significant stock repurchases and a recent dividend increase.
Wells Fargo & Company (NYSE: WFC) delivered third-quarter results on Oct. 14, 2025, that significantly outpaced expectations and prompted a strong investor response.
Wells Fargo’s stock price rose more than 7% in a single trading session on higher-than-average volume, a clear sign of market confidence. The move suggests the bank's multi-year turnaround strategy is not only on track but accelerating.
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The robust results prompt fresh questions about the stock's current valuation and whether a fundamental shift in the company's growth trajectory is underway.
A Look Inside the Strong Quarter
The positive market reaction was grounded in a report that showed strength across multiple business lines. Wells Fargo posted earnings per share (EPS) of $1.66, comfortably above the consensus estimate of $1.55. Total revenue totaled $21.44 billion, a 5.3% increase from the year-ago period. That growth reflected a balanced performance across core operations rather than a single driver.
A closer look at the results reveals two engines of growth that powered the quarter:
- Fee-Based Income Strength: Noninterest income, which includes service fees, rose about 9% year-over-year to $9.5 billion. Investment banking fees were a standout, jumping roughly 25%. These gains indicate the company’s strategic investments in its corporate and investment banking businesses are paying off and helping diversify revenue.
- Interest Income Stability: The bank’s core lending business also showed resilience, with net interest income up 2% to $12.0 billion. That stability was supported by repricing fixed-rate assets into a favorable interest-rate environment.
Credit quality also improved. The provision for credit losses fell to $681 million from $1.07 billion in the third quarter a year earlier, reflecting better underlying credit performance.
This disciplined risk management strengthens the company’s ability to pursue growth responsibly.
Loan growth provided additional momentum, particularly in the consumer segment: loan balances rose quarter-over-quarter for the first time in more than two years, driven by credit card and auto lending.
New Targets, New Freedom: Life After the Asset Cap
Arguably the most significant development underpinning Wells Fargo's renewed outlook predates the earnings release. The Federal Reserve’s removal of the bank's restrictive asset cap on June 3, 2025, was a pivotal moment, freeing the bank from a major constraint that had limited growth for years.
The impact of that freedom is visible: total assets surpassed the $2 trillion mark for the first time in the third quarter.
With greater operational latitude, management set a more ambitious medium-term financial target: a 17–18% Return on Tangible Common Equity (ROTCE). ROTCE is a key metric investors use to assess a bank's profitability.
The new target marks a meaningful step up from the 15.2% ROTCE reported in Q3 and signals an intent to narrow the profitability gap with top-tier financial services peers like JPMorgan Chase (NYSE: JPM), which recently reported a ROTCE near 20%.
The bank is already using its expanded balance-sheet flexibility. Trading-related assets, an important part of its Markets business, have climbed about 50% since the end of 2023, illustrating how Wells Fargo can deploy capital more effectively to serve clients.
That confidence is translating into shareholder-friendly actions. In the third quarter, Wells Fargo repurchased $6.1 billion of common stock and raised its dividend by 12.5%. Those moves are part of a broader plan supported by a $40 billion share repurchase authorization approved in April 2025, signaling a sustained effort to return capital to investors.
A Valuation Re-Evaluation?
Wells Fargo's third-quarter performance builds a persuasive case that the company is transitioning from turnaround mode into a new phase of growth. The combination of stronger results, validated strategic investments, and relief from regulatory constraints provides a firmer foundation for the investment thesis.
That raises the question of valuation. Even after the recent rally, Wells Fargo’s price-to-book (P/B) ratio is roughly 1.62, which still lags some industry leaders that typically trade closer to a P/B of 2.0.
The gap suggests the market may not have fully priced in the bank's potential to reach its higher return targets. Analysts appear to agree, with a consensus 12-month price target of $85.41 and a high target of $98.00, implying additional upside from current levels.
For investors, the evidence from the third quarter suggests Wells Fargo has turned an important corner, making a compelling case for a closer re-evaluation of the stock.
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