Wells Fargo (WFC) Q3 2026 Earnings Call: Guidance and Outlook
The company provided specific guidance for the fourth quarter and reiterated its full-year outlook for 2026. The management team expects continued growth in net interest income and stable margins heading into the end of the year.
About Wells Fargo. Wells Fargo & Company, a financial services company, provides diversified banking, investment, mortgage, and consumer and commercial finance products and services in the United States and internationally.
Management sees no signs of broad-based credit deterioration and notes that early-stage delinquencies remain at historically low levels.
Commercial credit
Credit remains strong with only 18 basis points of losses in the third quarter and nonaccrual loans down from the second quarter.
Economic environment
Management notes that while uncertainty persists due to inflation and geopolitical factors, strong labor markets and wage growth continue to support economic resilience.
AI investment
The company is actively investing in AI to improve internal efficiency, such as writing code and managing risk, and to enhance customer experience.
Commercial real estate
Management acknowledges that higher interest rates will pressure valuations but notes that stress will be specific to individual properties rather than a broad-based issue.
Markets business
Management expects to continue growing the markets business and sees opportunities to scale despite a more challenging environment late in the third quarter.
Dombey's summary of the Wells Fargo Q3 2026 earnings call held Oct 13, 2026, written from the call itself. Every figure on this page was checked against what was said on the call, and quoted lines are management's own words; we do not add estimates or prices. The tone score is our read of management's wording, guidance and answers. Check figures against the company's SEC filings before acting. This is research, not investment advice.
