In 2025, U.S. banks saw strong profits and rising stock prices due to high interest rates and consumer spending. However, political risks are looming in 2026, including potential credit card interest rate caps. Wells Fargo, Bank of America, and Citigroup all returned significant capital to shareholders last year. Wells Fargo reported solid fourth-quarter earnings and the lifting of regulatory constraints, signaling growth opportunities. Bank of America reported strong fourth-quarter earnings with revenue climbing 7%. Citigroup announced layoff plans to eliminate jobs as part of a larger restructuring effort, while focusing on shareholder returns and record revenues.

Read more at Yahoo Finance: Bank earnings show a monster 2025 and shareholders reap rewards