Investors are watching the six biggest U.S. banks as they prepare to release their fourth‑quarter results.
Earnings timeline
The reporting starts on January 13 with JPMorgan Chase, followed by Citigroup, Bank of America and Wells Fargo on January 14, and ends with Goldman Sachs and Morgan Stanley on January 15.
Why profits may jump
Investment banking activity has bounced back. Deal volume grew 42% in 2025, and global investment‑banking revenue rose about 15% year‑over‑year, reaching roughly $103 billion. This revival is expected to lift the banks’ earnings.
President Trump’s credit‑card rate call
President Donald Trump asked regulators to cap credit‑card interest rates at 10% for one year, starting Jan 20. He warned that lenders charging higher rates could be breaking the law.
Immediate market reaction
- Citigroup fell 3.5%
- JPMorgan Chase dropped 2%
- Bank of America down 1.7%
- Wells Fargo lost 2.1%
- Goldman Sachs edged up 0.05%
- Morgan Stanley slipped 0.8%
Outlook
Even with the short‑term dip, banks remain hopeful that a friendlier regulatory climate and steady economic growth will keep lending profits strong throughout the year.
Disclaimer
Remember, this is just my perspective, not a prediction. Do your own research and consider your own risk tolerance before making any investment decisions.