Wells Fargo reported its fourth-quarter earnings with a net income of $5.079 billion and earnings per share (EPS) of $1.43, surpassing the consensus estimate of $1.34. However, the bank's revenue of $20.38 billion fell short of the expected $20.59 billion, representing a 0.5% decline year-over-year. The net interest income (NII) was reported at $11.84 billion, exceeding estimates of $11.70 billion, although it marked a 7% decrease from the previous year. The return on equity (ROE) for the quarter was 11.7%, up from 7.6% year-over-year. Wells Fargo's total average loans stood at $906.4 billion, while total average deposits were $1.35 trillion. The bank anticipates that its net interest income for 2025 will be 1% to 3% higher than in 2024. In pre-market trading, Wells Fargo shares rose by approximately 2.4%.