Big Bank Earnings Today: JPM, GS, WFC, C Report Pre-Market

Six major US companies report earnings before the market opens on Tuesday, October 13, 2026, led by the biggest banks: JPMorgan Chase, Goldman Sachs, Wells Fargo and Citigroup, alongside Johnson & Johnson and UnitedHealth Group. This morning preview explains who reports and when, the consensus estimates on the table, and the practical checks a holder can run before the opening bell.

Who reports earnings today, October 13, 2026?

Six large-cap US companies report earnings before the market opens today, and four of them are major banks. All six are pre-market prints, meaning the numbers land before the 9:30am ET opening bell on the New York Stock Exchange and Nasdaq.

Here is the full slate for October 13, 2026, with the consensus EPS estimate for each. A consensus estimate is the average forecast analysts have published, and nothing more. It is a benchmark the market will measure the actual result against, not a prediction of what the company earned.

These are consensus estimates only. This preview does not forecast whether any company beat or missed them, and neither should you read any such claim into the numbers above.

What does a pre-market earnings print mean if you hold the stock?

A pre-market print means the earnings are released before regular trading opens, so the first chance most investors have to react is at the 9:30am ET open. The information is public before you can trade on it during normal hours.

How after-hours and pre-market moves reach your position

When news lands outside regular trading hours, the stock can still change hands in pre-market and after-hours sessions, which have thinner volume and wider spreads. For a holder, the practical consequence is a potential gap at the open.

• Pre-market reports (like all six today) can move a stock between the release and the 9:30am open, so the first regular-hours price you see may already differ from yesterday's close.
• After-hours reports (reported after the 4:00pm ET close) are digested overnight, and the stock can open the next morning at a very different level than it closed.
• A gap is simply the stock opening away from its last close. It is normal around earnings and is not a signal of anything in itself.

None of this tells you a direction. It tells you to expect that the opening price for today's six reporters may not match Monday's close, and to plan your morning around that.

What should a holder actually do this morning?

The most useful thing a holder can do before a pre-market print is check their own exposure and set alerts in advance. That is a preparation step, not a trading decision. Here is a clean checklist for the six names reporting today.

1. Find your real exposure. Open your portfolio and see how much of it sits in today's reporters. A 2% position in WFC and a 9% position in JPM are two very different mornings.
2. Account for overlap. Four of the six are banks. If you also hold a financials ETF or an S&P 500 fund, your true bank exposure is larger than the single-stock lines suggest.
3. Set your price alerts before the print, not after. Decide the levels you care about while markets are calm.
4. Know where each position sits against your own targets. A tracker can report status against levels you set yourself, such as still below target or a stop-loss level reached, without telling you what to do.

If you hold across more than one broker, this is exactly where a single dashboard helps. PortfolioTrackr lets you connect 42 brokers through the SnapTrade bridge, and Alpaca, Bybit and Interactive Brokers connect directly, so you can see your combined bank exposure in one view instead of flipping between apps. If you are weighing that against a manual sheet, our breakdown of a portfolio tracker versus a spreadsheet covers the trade-offs.

How do you set a price alert before an earnings report?

You set a price alert by choosing the levels you want to be told about before the report lands, so the alert is already live when the stock reacts. In PortfolioTrackr, every position can carry Target 1, Target 2 and a stop-loss, and every watchlist entry can carry a price above or below.

The alerting works like this:

• Every position and every watchlist level is checked once a minute while the market is open, and around the clock for crypto.
• A closed market is skipped, so stock alerts do not fire overnight, at weekends or on exchange holidays.
• When a level is hit during market hours, you hear within a minute by email, WhatsApp, Telegram or push on every plan, with SMS on Pro and Lifetime.

These are price levels only. There is no earnings alert or news alert, so the point is to translate the event you care about into a price you want to know about, and set it before the open. If you have not linked an account yet, our guide on connecting a brokerage account to a portfolio tracker walks through it, though manual entry and CSV import work on every plan if you prefer not to connect.

What should you watch inside the bank reports?

Watch whether the headline numbers fit the quarter's broader story, not just whether an EPS figure lands near the consensus estimate. For the four banks reporting today, holders typically read past the single EPS line.

The lines that tend to matter for banks

• Revenue against the quarter's narrative. For JPM, WFC and C, net interest income and loan activity carry the story. For GS, trading and investment-banking revenue often dominate.
• Credit and reserves. Provisions for loan losses signal how banks see the economy, which is why bank earnings are read as a read-through for the wider market.
• Guidance. Any forward commentary on net interest income or expenses can move a stock more than the quarter just reported.

For JNJ and UNH, the questions are different: product and segment revenue for Johnson & Johnson, and medical cost trends plus full-year guidance for UnitedHealth Group. In every case the job this morning is to read what the company said, not to guess it in advance. Bank results are also a macro signal, which sits alongside wider themes like the IMF's view on global growth.

How do you track today's reactions in one place?

You track them by keeping all your holdings in a single dashboard that updates in real time, so a gap in GS or C at the open shows up against your actual cost basis. A broker app shows one account; today's six reporters may be spread across several.

PortfolioTrackr brings them together, and the ALL PORTFOLIOS combined view is available on every plan for anyone holding more than one portfolio. For international holders, cost is converted at the exchange rate of the day each holding was bought and value at today's rate, with the currency gain or loss shown as its own line. If you want to see how the major trackers stack up on exactly this kind of multi-account view, our data comparison of six portfolio tools lays it out.

The bottom line

Six companies report pre-market today, October 13, 2026, including four major banks, with consensus EPS estimates ranging from $1.85 for WFC to $12.90 for GS. Those are benchmarks the results will be measured against, not predictions.

The practical morning is simple: check how much of your portfolio sits in today's reporters, set the price alerts you care about before the print lands, expect that pre-market prints can produce a gap at the open, and read the actual reports for revenue against the quarter's story and any guidance. Everything here is a check you run for yourself, which is not the same as deciding what to do with the position.

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