Vibe from each earnings call
Amex: Youthful: Laser focused on growth among Millennials and Gen Zs
BofA: Expansive: Mega growth, yet Average Line FICO 778 (better than prior quarter and YAG)
Chase: Dominant: 2.5 Million new CC accounts booked. 82 million existing customers.
Citi: Transformative: As Citi exits global markets, it's focus on the markets it operates in is higher.
Discover: Changing: The new merged entity (DiscoOne, anyone?) will likely look bigger and bolder.
PNC: Resilient: Diverse revenue streams offering the ability to navigate economic headwinds from a position of strength
US Bank: Disciplined: Balance sheet optimization and strategic focus on profitability and long-term stability
Wells Fargo: Adaptive: Embracing digital growth, Wells is optimizing its branch network to meet evolving consumer preferences
