---
title: "富国银行的收益得益于消费者和资本市场"
description: "富国银行报告季度利润增长 9%，达到 56 亿美元，超出分析师预期。首席执行官查理·沙夫被任命为董事长，尽管股东反对，仍完成了过渡。该银行的强劲表现得益于消费和投资银行业务的增长，总收入为 214 亿美元。富国银行还将其有形普通股权益回报率目标提高至 17%-18%。首席财务官迈克·桑托马西莫指出，业绩持续稳定，信用指标改善，成功归因于美国经济的韧性和客户财务健康状况良好"
type: "news"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/261098701.md"
published_at: "2025-10-14T14:30:12.000Z"
---

# 富国银行的收益得益于消费者和资本市场

> 富国银行报告季度利润增长 9%，达到 56 亿美元，超出分析师预期。首席执行官查理·沙夫被任命为董事长，尽管股东反对，仍完成了过渡。该银行的强劲表现得益于消费和投资银行业务的增长，总收入为 214 亿美元。富国银行还将其有形普通股权益回报率目标提高至 17%-18%。首席财务官迈克·桑托马西莫指出，业绩持续稳定，信用指标改善，成功归因于美国经济的韧性和客户财务健康状况良好

-   **Bottom line:** Wells Fargo's third quarter profit jumped 9%, eclipsing analysts' expectations by a wide margin.
-   **Expert quote:** "Wages have kept up with inflation for many folks, and we continue to see unemployment be quite low historically," Chief Financial Officer Mike Santomassimo said.
-   **Forward look:** Wells Fargo increased its target for return on tangible common equity to 17%-18%, up from its previous 15% guidance

Wells Fargo firmly beat third-quarter earnings estimates Tuesday, paced by strong growth in its consumer and investment banking business lines.  
The San Francisco-based bank reported net income totaling $5.6 billion, up 9% from the same period in 2024. The result equaled $1.66 per share. Analysts had been expecting earnings per share of about $1.54, according to Zacks investment research.

Along with its third-quarter earnings, Wells announced that CEO Charlie Scharf has become the company's chairman. The move completed a transition the company first announced in August. It came despite opposition from a shareholder activist group that had urged Wells Fargo to keep the two roles separate.

During the third quarter, strength across multiple business lines drove spread income and fee income higher, Scharf said. Total quarterly revenue reached $21.4 billion, a 5% annual increase.

"I'm excited about the continued progress we are making on our strategic priorities which is improving our financial performance," Scharf said in a press release. "I am more optimistic than ever about our path forward as we continue to leverage our strong franchise to position us for long-term growth."

The gains were not accompanied by credit issues, as Wells Fargo reported declines in both net chargeoffs and nonaccrual loans compared with the same three-month period in 2024. Chief Financial Officer Mike Santomassimo said on a conference call with reporters that Wells Fargo was experiencing "good consistent performance," especially on the consumer side.

"We've continued to see higher payments on credit cards than what we had modeled now for a few quarters, we continue to see delinquencies perform better than what we had modeled," Santomassimo said. "The performance has been quite consistent for a number of quarters, and I think it's been good."

Auto loan originations totaled $8.8 billion in the third quarter, up from $4.1 billion a year ago. Similarly, credit card spending volume rose 9% from the third quarter in 2024, topping $47 billion.

Both Scharf and Santomassimo credited the results to underlying strength in the U.S. economy. "Wages have kept up with inflation for many folks, and we continue to see unemployment be quite low historically," Santomassimo said.

Wells Fargo also got boosts from its investment banking, wealth and equities businesses, all of which reported solid annual gains. Revenue from wealth and investment management activities totaled $4.2 billion, up 8% from a year earlier. Meanwhile, both investment banking and equities trading produced double-digit revenue increases — in line with broader, nationwide increases in debt issuances, initial public offerings and merger-and-acquisition transactions, according to Moody's Investment Research.

Wells Fargo increased its projections for full-year 2025 noninterest expenses to $54.6 billion, up from the prior $54.2 billion estimate, due in part to higher revenue-linked compensation costs, which Santomassimo called "a good thing."

The company maintained its prior net interest income guidance, which called for a full-year total of $47.7 billion. At the same time, it lifted its medium-term return-on-tangible-common-equity target to 17%-18% from its previous 15% guidance.

"While some economic uncertainty remains, the U.S. economy has been resilient and the financial health of our clients and customers remains strong," Scharf said in the press release.

The three-month period ending Sept. 30 was Wells Fargo's first full quarter since regulators terminated a cap that had limited total assets to $1.95 trillion. The cap had been imposed in 2018 as punishment for the bank's fraudulent accounts scandal.

### Related Stocks

- [WFC.US - 富国银行](https://longbridge.com/zh-CN/quote/WFC.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| 富国银行希望通过大规模招聘顶尖交易员，将其曾经被忽视的投资银行提升至前五名 | 富国银行希望通过对精英交易员的大规模招聘，将其曾被遗忘的投资银行提升至前五名 | [Link](https://longbridge.com/zh-CN/news/275590682.md) |
| 富国银行在重大比赛前推出了与喜剧演员 Marcello Hernández 合作的广告 \| WFC 股票新闻 | 富国银行推出了一项名为 “庆祝每一个胜利” 的新广告活动，邀请喜剧演员 Marcello Hernández 参与，旨在强调日常财务胜利的重要性。该活动由纽约 BBDO 创作，强调富国银行移动银行应用在帮助客户实现个人财务目标方面的作用。完 | [Link](https://longbridge.com/zh-CN/news/275137196.md) |
| 富国银行首席财务官 Mike Santomassimo 表示，信贷表现依然非常良好 | 富国银行首席财务官迈克·桑托马西莫表示，信贷表现仍然非常良好 | [Link](https://longbridge.com/zh-CN/news/275473185.md) |
| 美国运通在做什么？Bilt 是否为每个人提供 5 倍积分？ | 美国运通更新及 Bilt 的 5 倍餐饮奖励！及时了解最新的信用卡优惠，包括富国银行的 Autograph Journey 卡和奖金优惠 | [Link](https://longbridge.com/zh-CN/news/275209766.md) |
| 美国银行业正迎来史上最疯狂 “抱团取暖”，谁能挑战摩根大通与美银？ | 美国银行业迎来 “抱团取暖” 式并购潮，如 PNC 以 41 亿美元、Fifth-Third 以 109 亿美元收购同业，试图挑战摩根大通与美银的主导地位。此轮热潮由监管松绑与资本充裕驱动，核心悬念在于摆脱束缚的富国银行会否重返战场，从而真 | [Link](https://longbridge.com/zh-CN/news/273375974.md) |

---

> **免责声明**：本文内容仅供参考，不构成任何投资建议。