TheStreet's Jim Cramer says he's particularly focused on Wells Fargo's (WFC) third quarter earnings results. Cramer say CEO John Stumpf told him that 'this time he's not going to let his interest rate margin go down just because they have to be stuck with that very low Fed funds rate, they are investing over the curve.' Cramer says that means 'they may actually produce a little more money with the money that they have.' He adds, that there was a nice note on Friday 'about how the buyback and dividends are shaping up. I think Wells Fargo is the cheapest. Notice the stock has not gone down unlike a lot of the other bank stocks, that's because I think the net interest margin is going to be very good.' 'Wells Fargo better than J.P. Morgan', says Cramer. Analysts polled by Reuters are expecting the bank to post earnings of $1.05 a share on revenue of $21.76 billion. Shares of Wells Fargo are down more than 4 percent year-to-date.