WFC Earnings Predictions — 2026-07-14

Ticker Report or Guide KPI Prediction Answer Confidence
WFC Report EPS BEAT pred ~$1.86 vs. cons $1.71 HIGH
WFC Report Net Interest Income (NII) BEAT pred ~$12.50B vs. cons $12.36B MEDIUM
WFC Report Noninterest Expense BEAT pred ~$13.70B vs. cons $13.90B (lower=beat) MEDIUM
WFC Guide FY2026 Net Interest Income guidance UNCHANGED guide ~$50.0B vs. cons $50.0B (FY2026) MEDIUM
WFC Guide FY2026 Noninterest Expense guidance UNCHANGED guide ~$55.7B vs. cons $55.7B (FY2026) MEDIUM
WFC Guide Medium-term ROTCE target UNCHANGED guide ~17.5% vs. cons 17.5% (medium-term, 2027-2028) MEDIUM
WFC Return Day-1 residual (stock − beta × S&P 500) -0.5% MEDIUM
WFC Return 5-day cumulative residual -1.8% (FADE) Stock already ran from low-$80s to ~$87-88 into the print, pricing in a beat-and-cost-discipline quarter; a headline EPS beat driven mainly by expense control/buybacks rather than core NII reacceleration likely triggers modest sell-the-news on day 1. Over the next week, analysts digest reaffirmed (not raised) $50B NII guide, continued NIM compression commentary, and flagged H2 consumer credit risk from oil-price pass-through — pulling forward FY26/27 NII and EPS revisions down slightly even after the beat, consistent with implicit out-period cuts overwhelming the in-line-to-modest quarterly upside. MEDIUM