Wells Fargo 本季度表现喜忧参半：每股收益1.87美元，超过预期的1.85美元，但营收218.7亿美元和净利息收入均不及预期。消费者趋势看起来强劲——支票账户连续14个季度增长——但说话者不喜欢 CFO 关于9月底交易明显放缓的报告。
逐段跳播
我们继续关注银行板块，今天来聊聊富国银行。我们来谈谈这家银行。是的，正如我们在整个板块看到的那样，业绩表现参差不齐，对吧？从利润和营收来看，富国银行的业绩也是参差不齐。虽然CEO表示消费者依然强劲，他们的消费者活动也很强劲，但整体业绩表现参差不齐。
As we continue to focus on banks, today we're discussing Wells Fargo. Let's talk about this bank. Yes, as we see in the sector as a whole, the results are mixed, aren't they? Wells Fargo's results are mixed when looking at profits and revenues.
Although the CEO said that the consumer is still strong and that their consumer activity is strong, the overall results were mixed.
每股收益为1.87美元。就净利润而言，这好于预期。分析师此前预期为1.85美元。营收达到218.7亿美元。分析师此前预期为223.2亿美元。因此，营收弱于预期。这在这方面被视为一个挫折。
所以，利润略有改善，但营收和净利息收入均低于预期。
Earnings amounted to $1.87 per share . That was better than expected in terms of net profit. Analysts had been expecting $1.85. Revenues reached $21.87 billion. Analysts had expected $22.32 billion.
Therefore, revenues were weaker than expected. This is considered a setback in this regard. So, a slight improvement in profits, but revenue and net interest income came in below estimates.
净利息收入增长5%，达到125.2亿美元，但弱于预期。这是富国银行在向储户支付利息后，从贷款和投资中赚到的钱。这是各银行的投资者经常关注的一个关键指标。
Net interest income rose 5% to $12.52 billion, but was weaker than expected. This is the money Wells Fargo makes from loans and investments after paying interest to depositors.
It is a key metric that investors across banks often look at here.
更大的贷款和投资余额，以及较早的固定价格资产，起到了帮助作用。这些资产在利率上升时被重新调整。这是一个促成因素，但这种增长被浮动利率资产利率下降以及存款成本上升所抵消，因为更多企业客户持有带息账户。
Larger loan and investment balances, along with older fixed-price assets, helped. Which were readjusted with higher interest rates here. This was a contributing factor, but this growth was countered by lower interest rates on variable-rate assets and higher deposit costs as more business customers held interest-bearing accounts.
消费者行为似乎有所改善。总体而言，CEO表示消费者支出增加，违约率仍然较低，存款和投资余额有所增长。事实上，在显现势头的零售银行方面，基本支票账户已连续14个季度同比增长。他们新增了超过65万个信用卡账户。
据他们所说，高端客户的资产增长了10%。平均消费贷款增长了4%。
Consumer behavior appears to be in better shape. Overall, the CEO says consumers are spending more, defaults remain low, and deposit and investment balances have grown. In fact, with regard to retail banking, where the momentum is showing, basic checking accounts have grown year-on-year for 14 consecutive quarters.
They have added more than 650,000 credit card accounts. The assets of premium clients have increased by 10%, they say. Average consumer loans grew by 4%.
所以，富国银行正在增加新客户，这是一个亮点。但投资者更关注的是弱点，你可以看到，该股今早略微收窄了跌幅，但仍面临压力，延续了富国银行今年迄今所显现的部分疲软。
So, Wells Fargo is adding new customers, and that's a bright side. But investors are focusing more on the weaknesses, and you can see that as the stock is paring its losses slightly this morning, but it is still under pressure, extending some of the weakness we have seen so far this year at Wells Fargo.
是的，在上午9点27分，富国银行的首席财务官表示，9月最后几周的交易活动急剧放缓，这正是你所提到的。我并不一定喜欢这件事的这一部分。
Yes, here at 9:27 a.m., the chief financial officer of Wells Fargo said that trading activity slowed sharply in the final weeks of September, which is what you referred to. I don't necessarily like this part of the story.
这个频道对 $WFC 的历次判断
Schwab Network 在这只股票上共 2 条判断，这里只列相邻的几条。