Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+0.00%
$60.62
100% positive prob.
5-Day Prediction
+0.00%
$60.62
100% positive prob.
20-Day Prediction
+0.00%
$60.62
95% positive prob.
SEC 8-K filings with transcript text
Jul 14, 2026 · 100% conf.
1D
+0.00%
$60.62
Act: +1.65%
5D
+0.00%
$60.62
Act: +0.99%
20D
+0.00%
$60.62
Act: +5.58%
2 bac06302026ex991.htm
bac06302026ex991
1 2Q26 Financial Highlights3(B) 2Q26 Business Segment Highlights1,3,4(B) Consumer Banking • Net income of $3.3 billion • Revenue of $11.3 billion, up 5% • Average deposits of $957 billion were up 1% and up 33% from pre- pandemic levels (4Q19); #1 in U.S. Consumer Deposits5 • Average loans and leases of $321 billion, up $2 billion, or 1% • #1 Small Business Lender for 20 consecutive quarters5 • Combined credit / debit card spend of $266 billion, up 9% • Client Highlights – Added 160K+ net new consumer checking accounts; completed 30 consecutive quarters of net growth – 38.7 million consumer checking accounts; 92% are primary6 – 4+ million small business checking accounts – $640 billion in consumer investment assets, up 18%7 – $1.2 trillion in payments, up 5%8 – 13.3 million clients enrolled in BofA Rewards; ~2 million new enrollments in 2Q2610 – 4.4 billion digital logins; 70% of total sales were digitally-enabled Global Wealth and Investment Management • Net income of $1.4 billion • Revenue of $6.9 billion, up 16%, driven by higher asset management fees, up 19% to $4.4 billion, reflecting higher market valuations and solid assets under management (AUM) flows, as well as higher NII • Client balances of $4.9 trillion, up 12%, driven primarily by higher market valuations • Average loans and leases of $270 billion, up $33 billion, or 14% • Client Highlights – $2.3 trillion of AUM balances, up 17% – Added ~6K net new $500K+ relationships across Merrill and Private Bank – 87% of Merrill and Private Bank clients digitally active Global Banking • Net income of $2.0 billion • Total Corporation investment banking fees (excl. self-led) of $2.1 billion, up 50% • $652 billion in average deposits, up 8% • Average loans and leases increased 7%, with growth across corporate, commercial and business banking • 10% improvement in treasury service charges Global Markets • Net income of $2.6 billion • Sales and trading revenue of $7.1 billion, incl. net debit valuation adjustment (DVA) losses of $57 million. Up 33% incl. and excl. net DVA.(E) 17th consecutive quarter of year-over-year growth – Equities revenue up 70% to $3.6 billion, incl. and excl. net DVA(E) – Fixed Income, Currencies and Commodities (FICC) revenue up 9% to $3.5 billion, incl. and excl. net DVA(E) From Chair and CEO Brian Moynihan: The team delivered one of our strongest quarters to date, with earnings per share up 34% year-over-year. Every business segment reported double digit net income growth and strong returns on equity. Revenue increased 15% from last year as we deepened relationships with existing clients and welcomed new ones. Against a healthy economic backdrop, resilient consumers and businesses are turning to Bank of America to spend, borrow and invest. It was also an exceptional quarter for our markets-facing businesses, with investment banking fees up 50% year-over-year. Near-term, pipelines remain strong, and commercial borrowing has picked up. Disciplined expense management, coupled with investments for growth, helped drive 6.6% operating leverage and a roughly 360 basis point improvement in our efficiency ratio from a year ago. Going forward, we remain focused on what we do best, delivering for clients at every stage of their financial lives. Bank of America Reports 2Q26 Net Income of $9.1 Billion; EPS of $1.21, Up 34% YoY 2Q26 Revenue Up 15% YoY to $31.6 Billion,1 Net Interest Income Up 9% YoY to $16.0 Billion ($16.2 Billion FTE)(A) Operating Leverage of 6.6%2 See page 10 for endnotes. Amounts may not total due to rounding. 1 Revenue, net of interest expense. 2 Operating leverage calculated as the year-over-year percentage change in revenue, net of interest expense, less the percentage change in noninterest expense. 3 Financial Highlights and Business Segment Highlights are compared to the year-ago quarter unless noted. 4 The Corporation reports the results of operations of its four business segments and All Other on a fully taxable-equivalent (FTE) basis. 5 Source: Federal Financial Institutions Examination Council (FFIEC) Call Reports, 1Q26. 6 Represents the percentage of consumer checking accounts that are estimated to be the customer’s primary account based on multiple relationship factors (e.g., linked to their direct deposit). 7 End of period. Consumer investment assets include client brokerage assets, deposit sweep balances, brokered CDs, and AUM in Consumer Banking. 8 Total payments represent payments made from Bank of America accounts using credit card, debit card, ACH, wires, billpay, person-to-person, cash and checks. 9 Return on average tangible common shareholders’ equity ratio represents a non-GAAP financial measure. For more information, see page 19. 10 Clients enrolled in BofA Rewards include legacy Preferred Rewards clients and new enrollments since launch of BofA Rewards on May 27, 2026. New client enrollment as of
Apr 15, 2026
2 bac03312026ex991.htm
bac03312026ex991
1 1Q26 Financial Highlights3(B) 1Q26 Business Segment Highlights1,3,4(B) Consumer Banking • Net income of $3.1 billion • Revenue of $11.0 billion, up 5% • Average deposits of $951 billion were modestly higher and up 32% from pre-pandemic levels (4Q19); #1 in U.S. Consumer Deposits5 • Average loans and leases of $322 billion, up $7 billion, or 2% • Average Small Business loans grew 5%; #1 Small Business Lender for 19 consecutive quarters5 • Combined credit / debit card spend of $245 billion, up 7% • Client Highlights – Added ~100K net new consumer checking accounts; completed 29 consecutive quarters of net growth – 38.5 million consumer checking accounts; 91% are primary6 – 4.1 million small business checking accounts – $573 billion in consumer investment assets, up 15%7 – $1.1 trillion in payments, up 5%8 – 4.3 billion digital logins; 71% of total sales were digitally-enabled Global Wealth and Investment Management • Net income of $1.3 billion • Revenue of $6.7 billion, up 12%. The increase was driven primarily by higher asset management fees, up 15% to $4.2 billion, reflecting higher market valuations and strong assets under management (AUM) flows • Client balances of $4.6 trillion, up 10%, driven by higher market valuations and positive net client flows • Average loans and leases of $262 billion, up $30 billion, or 13% • Client Highlights – $2.1 trillion of AUM balances, up 14% – Added ~4K net new $500K+ relationships across Merrill and Private Bank – 88% of Merrill and Private Bank clients digitally active Global Banking • Net income of $2.1 billion • Total Corporation investment banking fees (excl. self-led) of $1.8 billion, up 21% • $648 billion in average deposits, up 13% • Average loans and leases increased 5%, with growth across corporate, commercial and business banking • 10% improvement in treasury service charges Global Markets • Net income of $2.0 billion • Sales and trading revenue of $6.4 billion, up 13%, incl. net debit valuation adjustment (DVA) gains of $63 million. Excl. net DVA, up 12%.(E) 16th consecutive quarter of year-over-year growth – Equities revenue up 30% to $2.8 billion, incl. and excl. net DVA(E) – Fixed Income, Currencies and Commodities (FICC) revenue up 2% to $3.5 billion. Excl. net DVA, up 1%(E) From Chair and CEO Brian Moynihan: Earnings per share rose 25% year-over-year, starting 2026 with strong momentum. Net income of $8.6 billion reflected the team’s disciplined execution. The team produced 290 basis points of operating leverage. This resulted in strong year-over- year improvement in returns on equity and assets. Revenue growth of 7% year-over-year included net interest income that was better than we expected, up 9%, as well as double-digit growth in sales and trading revenue, investment banking fees and asset management fees. We remain watchful of evolving risks. However, we saw healthy client activity, including solid consumer spending and stable asset quality, indicating a resilient American economy. Bank of America Reports 1Q26 Net Income of $8.6 Billion; EPS of $1.11, Up 25% YoY 1Q26 Revenue Up 7% YoY to $30.3 Billion,1 Net Interest Income Grew 9% YoY to $15.7 Billion ($15.9 Billion FTE)(A) Operating Leverage of 2.9%2 See page 10 for endnotes. Amounts may not total due to rounding. 1 Revenue, net of interest expense. 2 Operating leverage calculated as the year-over-year percentage change in revenue, net of interest expense, less the percentage change in noninterest expense. 3 Financial Highlights and Business Segment Highlights are compared to the year-ago quarter unless noted. 4 The Corporation reports the results of operations of its four business segments and All Other on a fully taxable-equivalent (FTE) basis. 5 Source: Federal Financial Institutions Examination Council (FFIEC) Call Reports, 4Q25. 6 Represents the percentage of consumer checking accounts that are estimated to be the customer’s primary account based on multiple relationship factors (e.g., linked to their direct deposit). 7 End of period. Consumer investment assets include client brokerage assets, deposit sweep balances, brokered CDs, and AUM in Consumer Banking. 8 Total payments represent payments made from Bank of America accounts using credit card, debit card, ACH, wires, billpay, person-to-person, cash and checks. 9 Return on average tangible common shareholders’ equity ratio represents a non-GAAP financial measure. For more information, see page 18. 10 Tangible book value per common share represents a non-GAAP financial measure. For more information, see page 18. • Net income of $8.6 billion compared to $7.4 billion, up 17% – Diluted earnings per share of $1.11 compared to $0.89, up 25% • Revenue, net of interest expense, of $30.3 billion ($30.4 billion FTE),(A) up 7%, reflected higher net interest income (NII), sales and trading revenue, asset management fees and investmen
Jan 14, 2026
2 bac12312025ex991.htm
bac12312025ex991
1 4Q25 Financial Highlights2,3(B) 4Q25 Business Segment Highlights1,2,3,4(B) Consumer Banking • Net income of $3.3 billion • Revenue of $11.2 billion, up 5% • Average deposits of $945 billion were modestly higher and up 31% from pre-pandemic levels (4Q19); #1 in U.S. Consumer Deposits5 • Average loans and leases of $323 billion, up $7 billion, or 2% • Average Small Business loans grew 6%; #1 Small Business Lender for 18 consecutive quarters6 • Combined credit / debit card spend of $255 billion, up 6% • Client Highlights – Added ~680,000 net new consumer checking accounts in 2025; completed 28 consecutive quarters of net growth – 38.4 million consumer checking accounts; 92% are primary7 – ~4 million small business checking accounts – $599 billion in consumer investment assets, up 16%8 – $1.2 trillion in payments, up 5%9 – 4.3 billion digital logins; 69% of total sales were digitally-enabled Global Wealth and Investment Management • Net income of $1.4 billion • Revenue of $6.6 billion, up 10%. The increase was driven primarily by higher asset management fees, up 13% to $4.1 billion, reflecting higher market valuations and strong assets under management (AUM) flows • Client balances of $4.8 trillion, up 12%, driven by higher market valuations and positive net client flows • Average loans and leases of $257 billion, up $28 billion, or 12% • Client Highlights – Added ~21,000 net new relationships across Merrill and Private Bank in 2025 – ~$2.2 trillion of AUM balances, up 16% – 86% of Merrill and Private Bank clients digitally active Global Banking • Net income of $2.1 billion • Total Corporation investment banking fees (excl. self-led) of $1.7 billion, up 1% • #3 investment banking fee ranking for 202512 • $656 billion in average deposits, up 13% • 10% improvement in treasury service charges Global Markets • Net income of $1.0 billion • Sales and trading revenue of $4.5 billion, up 10%, including and excluding net debit valuation adjustment (DVA) losses of $17 million.(E) 15th consecutive quarter of year-over-year growth – Fixed Income, Currencies and Commodities (FICC) revenue up 2% to $2.5 billion. Excluding net DVA, up 1%(E) – Equities revenue up 23% to $2 billion, including and excluding net DVA(E) From Chair and CEO Brian Moynihan: Bank of America’s fourth quarter results capped off a strong year of earnings as we delivered more than $30 billion in net income and EPS grew 19% over 2024. And with solid revenue growth, positive operating leverage and a lower efficiency ratio, we improved returns year-over- year for both the full year and the quarter. With consumers and businesses proving resilient, as well as the regulatory environment and tax and trade policies coming into sharper focus, we expect further economic growth in the year ahead. While any number of risks continue, we are bullish on the U.S. economy in 2026. I want to thank our teammates for their hard work this year. With their dedication and the economy positioned for growth, we feel confident in our ability to maintain this momentum in 2026 and beyond. Bank of America Reports 4Q25 Net Income of $7.6 Billion; EPS of $0.98, Up 18% YoY 4Q25 Revenue up 7% YoY to $28.4 Billion,1 Net Interest Income Grew 10% YoY to $15.8 Billion ($15.9 Billion FTE)(A) Full-Year 2025 Net Income of $30.5 Billion; EPS of $3.81, Up 19% YoY See page 10 for endnotes. Amounts may not total due to rounding. 1 Revenue, net of interest expense. 2 Results for 4Q25 presented in this release reflect Bank of America Corporation’s (Corporation) election to change its accounting methods for certain tax-related equity investments effective 4Q25, which were applied on a retrospective basis as disclosed in the Current Report on Form 8-K furnished with the U.S. Securities and Exchange Commission on January 6, 2026. Results for 3Q25 and 4Q24 presented in this release have been updated to reflect such changes to conform to current period presentation. For more information, see Endnote F on page 10. 3 Financial Highlights and Business Segment Highlights are compared to the year-ago quarter unless noted. 4 The Corporation reports the results of operations of its four business segments and All Other on a fully taxable-equivalent (FTE) basis. 5 Source: Federal Financial Institutions Examination Council (FFIEC) Call Reports, 3Q25. 6 Source: Federal Deposit Insurance Corporation (FDIC), 3Q25. 7 Represents the percentage of consumer checking accounts that are estimated to be the customer’s primary account based on multiple relationship factors (e.g., linked to their direct deposit). 8 End of period. Consumer investment assets include client brokerage assets, deposit sweep balances, brokered CDs, and AUM in Consumer Banking. 9 Total payments represent payments made from Bank of America accounts using credit card, debit card, ACH, wires, billpay, person-to-p
This page provides Bank of America Corporation (BAC) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on BAC's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.