[8-K] Wells Fargo & Co. Reports Material Event

Rhea-AI Filing Summary

On 15 July 2025, Wells Fargo & Company (NYSE: WFC) filed a Form 8-K to disclose that it has released its second-quarter 2025 operating results and related investor materials.

• Exhibit 99.1: Press release announcing Q2-25 results (deemed “filed”).
• Exhibit 99.2: 2Q25 Quarterly Supplement with additional detail (deemed “filed”).
• Exhibit 99.3: Investor presentation for the earnings call (furnished, not filed).

The company will host a live conference call and webcast on 15 July 2025 to review the quarter and answer investor questions. Beyond identifying the exhibits and scheduling information, the filing supplies no quantitative financial data or guidance; investors must refer to the attached exhibits for numerical results.

This routine disclosure satisfies Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD) requirements and confirms availability of the materials on Wells Fargo’s investor relations website.

Insights

Financial Analyst

TL;DR: Routine 8-K announces Q2-25 earnings release; no financial metrics disclosed—neutral market impact.

The filing merely notifies investors that the press release, detailed supplement, and slide deck are available. With no revenue, EPS, or credit-quality figures embedded, the document itself offers no new valuation inputs. Investors must consult Exhibit 99.1/99.2 for actual performance. As a result, the 8-K is procedural; it does not alter the investment thesis until the numerical data are reviewed.

Corporate Disclosure Specialist

TL;DR: Standard compliance filing under Items 2.02 and 7.01; exhibits posted, presentation classified as “furnished.”

Wells Fargo follows best practice by clearly separating “filed” versus “furnished” materials—important for liability under Section 18. The inclusion of an interactive data cover (Exhibit 104) aligns with SEC Inline XBRL requirements. Overall, disclosure quality is adequate, but the lack of embedded numbers means limited standalone significance for analysts.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): July 15, 2025

WELLS FARGO & COMPANY

(Exact name of registrant as specified in its charter)

Delaware

001-02979

No.

41-0449260

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

420 Montgomery Street, San Francisco, California 94104

(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: 415-371-2921

    Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

    ☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

    ☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

    ☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

    ☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class			Trading Symbol			Name of Each Exchange on Which Registered
Common Stock, par value $1-2/3			WFC			New York Stock Exchange (NYSE)
7.5% Non-Cumulative Perpetual Convertible Class A Preferred Stock, Series L			WFC.PRL			NYSE
Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series Y			WFC.PRY			NYSE
Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series Z			WFC.PRZ			NYSE
Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series AA			WFC.PRA			NYSE
Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series CC			WFC.PRC			NYSE
Depositary Shares, each representing a 1/1000th interest in a share of Non-Cumulative Perpetual Class A Preferred Stock, Series DD			WFC.PRD			NYSE
Guarantee of Medium-Term Notes, Series A, due October 30, 2028 of Wells Fargo Finance LLC			WFC/28A			NYSE

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act (17 CFR 230.405) or Rule 12b-2 of the Exchange Act (17 CFR 240.12b‑2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02    Results of Operations and Financial Condition.

On July 15, 2025, Wells Fargo & Company (the “Company”) issued a news release regarding its results of operations and financial condition for the quarter ended June 30, 2025, and posted on its website its 2Q25 Quarterly Supplement, which contains certain additional information about the Company’s financial results for the quarter ended June 30, 2025. The news release is included as Exhibit 99.1 and the 2Q25 Quarterly Supplement is included as Exhibit 99.2 to this report, and each is incorporated by reference into this Item 2.02. The information included in Exhibit 99.1 and Exhibit 99.2 is considered to be “filed” for purposes of Section 18 under the Securities Exchange Act of 1934.

Item 7.01 Regulation FD Disclosure.

On July 15, 2025, the Company intends to host a live conference call that will also be available by webcast to discuss the Company’s second quarter 2025 financial results and other matters relating to the Company. In connection therewith, the Company has posted on its website presentation materials containing certain historical and forward-looking information relating to the Company. The presentation materials are included as Exhibit 99.3 to this report and are incorporated by reference into this Item 7.01. Exhibit 99.3 shall not be considered “filed” for purposes of Section 18 under the Securities Exchange Act of 1934 and shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933.

Item 9.01    Financial Statements and Exhibits.

(d)    Exhibits

Exhibit No.			Description			Location
99.1			News Release dated July 15, 2025			Filed herewith
99.2			2Q25 Quarterly Supplement			Filed herewith
99.3			Presentation Materials – 2Q25 Financial Results			Furnished herewith
104			Cover Page Interactive Data File			Embedded within the Inline XBRL document

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:			July 15, 2025			WELLS FARGO & COMPANY
						By:			/s/ MUNEERA S. CARR
									Muneera S. Carr
									Executive Vice President, Chief Accounting Officer and Controller

FAQ

When did Wells Fargo (WFC) file its Q2 2025 Form 8-K?

15 July 2025, the same day the earnings materials were released.

What exhibits accompany the Q2 2025 8-K for Wells Fargo?

Exhibit 99.1 press release, Exhibit 99.2 quarterly supplement, Exhibit 99.3 investor presentation, and Exhibit 104 cover-page XBRL.

Is the investor presentation in Exhibit 99.3 considered “filed” or “furnished”?

It is furnished under Item 7.01 and is not deemed filed for Section 18 purposes.

How can investors access Wells Fargo’s Q2 2025 earnings call?

A live conference call and webcast will be hosted on 15 July 2025; access details are posted on the company’s investor relations site.

Which Form 8-K items were triggered by this filing?

The company reported under Item 2.02 (Results of Operations) and Item 7.01 (Regulation FD).