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Wells Fargo & Company reported Q2 2026 net income of $6.4 billion and diluted EPS of $2.00, up from $5.5 billion and $1.60 a year earlier. Total revenue rose 9% to $22.6 billion as both net interest income and noninterest income increased, while noninterest expense grew 2%.
Provision for credit losses declined to $914 million and credit metrics remained stable: the allowance for credit losses on loans was $14.4 billion, or 1.40% of total loans, and nonperforming assets were $7.9 billion, 0.77% of total loans. Loans reached $1.03 trillion and deposits $1.50 trillion at June 30, 2026. Capital and liquidity stayed above requirements, with a Common Equity Tier 1 ratio of 10.26% under the Standardized Approach versus an 8.50% minimum including buffers, a Total Loss Absorbing Capacity ratio of 22.81% versus a 21.50% minimum, and a Liquidity Coverage Ratio of 119% versus a 100% minimum.
Wells Fargo Finance LLC, fully guaranteed by Wells Fargo & Company, is offering market-linked notes tied to the S&P 500® Index. Each security has a $1,000 face amount, no periodic interest, and pays at maturity based on index performance.
If the index ending value is at or above the starting value of 7,509.20, holders receive $1,000 plus a contingent fixed return of at least 12.00%. If the index falls but stays at or above the 10% buffer threshold of 6,758.28, investors receive $1,000. Below the threshold, principal is reduced 1-to-1 beyond the 10% buffer, with up to a 90% loss of face amount.
The notes price at $1,000 with estimated value about $996.70 per security (not less than $966.70 on the pricing date). Agent discount is $1.00 and issuer proceeds are $999.00 per security. The notes are unsecured, subject to the credit of the issuer and guarantor, unlisted, and intended to be held to the August 26, 2027 stated maturity.
Wells Fargo Finance LLC is issuing Market Linked Securities (Medium-Term Notes, Series B) fully and unconditionally guaranteed by Wells Fargo & Company. These auto-callable notes are linked to the lowest performing of Amazon.com, Alphabet Class A, and NVIDIA common stock and mature on July 25, 2029.
Investors may receive a 12.50% per annum contingent coupon, paid quarterly only if the lowest performing stock on each calculation day is at or above its coupon threshold of 50% of its starting value; missed coupons can be repaid later via a memory feature. From January 2027 to April 2029, if the lowest performer is at or above its starting value on a calculation day, the notes are automatically called at par plus the applicable coupon(s).
If not called, principal repayment depends on the final level of the lowest performer. If it is at or above its downside threshold (50% of starting value), investors receive the $1,000 face amount; if below, they are fully exposed to downside from the starting value and can lose more than 50%, up to all principal. The notes offer no participation in stock appreciation or dividends and all payments are subject to Wells Fargo Finance LLC and Wells Fargo & Company credit risk.
Wells Fargo Finance LLC is issuing market-linked, auto-callable medium-term notes linked to the Class A common stock of CoreWeave, Inc., fully and unconditionally guaranteed by Wells Fargo & Company. Each security has a $1,000 face amount, a term to July 25, 2029, and no fixed interest.
The notes pay a 27.00% per annum contingent coupon, evaluated quarterly, only if the CoreWeave share price on the relevant calculation day is at or above the coupon threshold of $36.53 (50% of the $73.06 starting value). Missed coupons have a “memory” and are paid later if the threshold is again met. From January 2027 through April 2029, if the Underlier is at or above the starting value on a calculation day, the notes are automatically called for face value plus the applicable coupon(s).
If not called, principal repayment at maturity is contingent on performance. If the final CoreWeave price is at or above the downside threshold of $36.53, investors receive $1,000 per note; if below, repayment is $1,000 × (ending value / starting value), exposing investors to losses of more than 50% and up to total loss. The securities are unsecured obligations subject to Wells Fargo Finance LLC and Wells Fargo & Company credit risk, carry an estimated value of $891.31 per $1,000 note, and are not listed on any exchange, so liquidity may be limited.
Wells Fargo Finance LLC is offering market-linked, auto-callable notes, fully guaranteed by Wells Fargo & Company, tied to the lowest performing of the Nasdaq-100 Index®, Russell 2000® Index and S&P 500® Index, maturing on July 26, 2029.
The notes pay a contingent quarterly coupon at a rate set on the pricing date and at least 12.25% per annum, but only if on each calculation day the lowest performing index is at or above 70% of its starting value. They are automatically called at par plus coupon if from January 2027 through April 2029 the lowest performing index is at or above its starting value on a calculation day. If not called, principal repayment at maturity occurs only if the lowest performing index ends at or above 65% of its starting value; otherwise investors are fully exposed to downside and can lose more than 35%, up to all principal.
The original offering price is $1,000 per security, with an agent discount up to $3 and initial estimated value of about $990.10 per security (not less than $960.10). The notes are unsecured obligations subject to Wells Fargo’s credit risk, will not be listed on an exchange, and may have limited or no secondary market.
Wells Fargo Finance LLC is issuing Market Linked Securities, Series B medium-term notes fully and unconditionally guaranteed by Wells Fargo & Company, linked to the common stock of Oracle Corporation. Each security has a $1,000 face amount, original offering price of $1,000 and a stated maturity on July 25, 2029, unless automatically called earlier.
The notes pay a contingent coupon of 16.65% per annum, evaluated quarterly, only if Oracle’s closing value on the calculation day is at or above the coupon threshold of 50% of the starting value ($60.69). Missed coupons have a memory feature and can be paid later if the threshold is met. From January 2027 through April 2029, if Oracle’s closing value on any quarterly calculation day is at or above the starting value of $121.38, the notes are automatically called for the $1,000 face amount plus the applicable coupon(s).
If not called, at maturity investors receive $1,000 only if Oracle’s final value is at or above the downside threshold (also 50% of the starting value). If the final value is below this level, repayment is reduced in proportion to Oracle’s decline from the starting value, resulting in a loss of more than 50% and possibly all principal. Investors do not participate in any upside of Oracle and receive no dividends. All payments are subject to the credit risk of Wells Fargo Finance LLC and Wells Fargo & Company, and the current estimated value is $914.97 per $1,000 security, below the issue price.
Wells Fargo Finance LLC is issuing Medium-Term Notes, Series B market-linked securities fully guaranteed by Wells Fargo & Company, linked to the Class C common stock of Dell Technologies Inc. The notes have a face amount of $1,000 per security and are scheduled to mature on July 23, 2027, unless automatically called earlier.
Investors may receive a 30.00% per annum contingent coupon, paid monthly only if the Dell share closing value on each calculation day is at least the coupon threshold value, set at 60% of the $381.88 starting value, or $229.128. From January 2027 through June 2027, if on any monthly calculation day the Underlier is at or above the starting value, the notes are automatically called for $1,000 plus that month’s coupon.
If not called, principal repayment depends on Dell’s closing price on the final calculation day. Investors receive $1,000 only if the ending value is at or above the downside threshold of 60% of the starting value. Below that level, repayment is $1,000 multiplied by the performance factor, so a decline greater than 40% results in a corresponding loss of principal, up to total loss. Holders do not participate in any upside of the stock or receive dividends.
The original offering price is $1,000 per security, with an estimated value of $915.35 determined by Wells Fargo Securities, LLC. The total offering is $1,633,000, with agent discounts of $10.75 per security. All payments are unsecured obligations subject to the credit risk of Wells Fargo Finance LLC and Wells Fargo & Company. The notes will not be listed on an exchange, may have limited or no secondary market liquidity, and involve complex U.S. tax and withholding considerations, including potential 30% withholding on coupon payments to certain non-U.S. holders.
Wells Fargo Finance LLC is issuing market-linked notes tied to the S&P 500 Index, fully and unconditionally guaranteed by Wells Fargo & Company. Each security has a $1,000 face amount, no interest or dividends, and is designed to be held to the March 22, 2028 maturity.
At maturity, if the S&P 500 has risen from the starting value of 7,533.77, investors receive $1,000 plus 150% of the index gain, capped at a maximum return of 19.80%, for a maximum payment of $1,198 per security. If the index is flat or down but not below the 80% threshold, investors receive back the $1,000 face amount.
If the index falls more than the 20% buffer, repayment is reduced on a leveraged basis: investors lose 1.25% of face amount for each 1% decline beyond the buffer, and may lose up to all principal. The notes are unsecured obligations subject to the credit risk of Wells Fargo Finance LLC and Wells Fargo & Company, are not listed, and may have limited or no secondary market. The current estimated value is $989.05 per security, below the $1,000 offering price, reflecting selling, structuring, hedging and funding costs. U.S. tax treatment is based on treating the notes as prepaid derivative contracts, which the IRS could challenge.
Wells Fargo & Company senior executive Derek A. Flowers, Sr. EVP and Chief Risk Officer, reported a bona fide gift involving 67,966 shares of common stock on July 15, 2026. One transaction disposed of 67,966 directly held shares, while a related transaction recorded acquisition of the same amount indirectly through a trust, resulting in 341,739.566 common shares held via that trust and no directly held common stock. Additional indirect positions include 25 Preferred Shares, Series L through a trust, 15,139.7900 common share equivalents in a 401(k) ESOP fund as of June 30, 2026, and 362.7870 common shares in his spouse’s IRA, which a footnote states include shares acquired through a dividend reinvestment program.
Wells Fargo Finance LLC priced market-linked notes (Series B) linked to the S&P 500® Index that mature on July 20, 2029 and provide upside participation subject to a capped maximum return and a 20% buffer. The original offering price is $1,000 per security; the current estimated value is $960.90 (no less than $930.00 on the pricing date). If the ending value exceeds the starting value, holders receive 100% participation up to a maximum return of at least 30.38%. If the ending value falls more than the buffer, holders have 1-to-1 downside exposure and may lose up to 80% of the face amount. Payments are unsecured obligations of the issuer and guaranteed by Wells Fargo & Company; all payments are subject to credit risk. The pricing date is July 17, 2026 and the issue date is July 22, 2026.