Waller just (https://www.cnbc.com/2026/07/13/waller-says-fed-shouldnt-fight-the-last-war-on-inflation-but-warns-hikes-still-possible.html) if inflation stays hot, and that's a problem for every bank expecting to print fat guidance on stable funding costs. WFC trades at 52-week lows — not because the business broke, but because the market already knows what earnings will show: deposit rates rising faster than loan yields repricing.

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