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Bank Of America Earnings Calls
| Release date | Oct 15, 2025 |
| EPS estimate | $0.95 |
| EPS actual | $1.06 |
| EPS Surprise | 11.34% |
| Revenue estimate | 27.515B |
| Revenue actual | 28.088B |
| Revenue Surprise | 2.08% |
| Release date | Jul 16, 2025 |
| EPS estimate | $0.86 |
| EPS actual | $0.93 |
| EPS Surprise | 8.14% |
| Revenue estimate | 27.765B |
| Revenue actual | 46.666B |
| Revenue Surprise | 68.07% |
| Release date | Apr 15, 2025 |
| EPS estimate | $0.82 |
| EPS actual | $0.95 |
| EPS Surprise | 16.52% |
| Revenue estimate | 26.826B |
| Revenue actual | 12.923B |
| Revenue Surprise | -51.83% |
| Release date | Jan 16, 2025 |
| EPS estimate | - |
| EPS actual | $0.84 |
| Revenue estimate | 26.554B |
| Revenue actual | 25.347B |
| Revenue Surprise | -4.55% |
Last 4 Quarters for Bank Of America
Below you can see how BAC-PQ performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 16, 2025 |
| Price on release | $18.52 |
| EPS estimate | - |
| EPS actual | $0.84 |
| Date | Price |
|---|---|
| Jan 10, 2025 | $18.11 |
| Jan 13, 2025 | $17.88 |
| Jan 14, 2025 | $17.97 |
| Jan 15, 2025 | $18.50 |
| Jan 16, 2025 | $18.52 |
| Jan 17, 2025 | $18.55 |
| Jan 21, 2025 | $18.85 |
| Jan 22, 2025 | $18.72 |
| Jan 23, 2025 | $18.63 |
| 4 days before | 2.26% |
| 4 days after | 0.594% |
| On release day | 0.162% |
| Change in period | 2.87% |
| Release date | Apr 15, 2025 |
| Price on release | $17.06 |
| EPS estimate | $0.82 |
| EPS actual | $0.95 |
| EPS surprise | 16.52% |
| Date | Price |
|---|---|
| Apr 09, 2025 | $17.75 |
| Apr 10, 2025 | $17.25 |
| Apr 11, 2025 | $16.99 |
| Apr 14, 2025 | $17.06 |
| Apr 15, 2025 | $17.06 |
| Apr 16, 2025 | $17.10 |
| Apr 17, 2025 | $17.14 |
| Apr 21, 2025 | $17.04 |
| Apr 22, 2025 | $17.19 |
| 4 days before | -3.89% |
| 4 days after | 0.762% |
| On release day | 0.234% |
| Change in period | -3.15% |
| Release date | Jul 16, 2025 |
| Price on release | $17.29 |
| EPS estimate | $0.86 |
| EPS actual | $0.93 |
| EPS surprise | 8.14% |
| Date | Price |
|---|---|
| Jul 10, 2025 | $17.69 |
| Jul 11, 2025 | $17.56 |
| Jul 14, 2025 | $17.43 |
| Jul 15, 2025 | $17.32 |
| Jul 16, 2025 | $17.29 |
| Jul 17, 2025 | $17.53 |
| Jul 18, 2025 | $17.45 |
| Jul 21, 2025 | $17.49 |
| Jul 22, 2025 | $17.39 |
| 4 days before | -2.26% |
| 4 days after | 0.578% |
| On release day | 1.39% |
| Change in period | -1.70% |
| Release date | Oct 15, 2025 |
| Price on release | $18.26 |
| EPS estimate | $0.95 |
| EPS actual | $1.06 |
| EPS surprise | 11.34% |
| Date | Price |
|---|---|
| Oct 09, 2025 | $18.08 |
| Oct 10, 2025 | $17.97 |
| Oct 13, 2025 | $18.11 |
| Oct 14, 2025 | $18.13 |
| Oct 15, 2025 | $18.26 |
| Oct 16, 2025 | $18.23 |
| Oct 17, 2025 | $18.16 |
| Oct 20, 2025 | $18.32 |
| Oct 21, 2025 | $18.30 |
| 4 days before | 1.00% |
| 4 days after | 0.219% |
| On release day | -0.164% |
| Change in period | 1.22% |
Bank Of America Earnings Call Transcript Summary of Q3 2025
Bank of America reported a strong Q3 with broad-based revenue and earnings growth driven by operating leverage and core loan/deposit expansion. Total revenue was $28.2B (+11% YoY) and EPS $1.06 (+31% YoY); return on tangible common equity rose to 15.4% and the efficiency ratio fell below 62%. Net interest income (FTE) reached a record ~$15.4B, supported by commercial loan and deposit growth and fixed-rate asset repricing. Investment banking fees exceeded $2B (+43% YoY) and sales & trading revenue grew 8% (14th consecutive quarter of YoY growth). Consumer Banking, Global Wealth & Investment Management, Global Banking and Global Markets all contributed to earnings growth — notably consumer after-tax earnings of $3.4B (+28%) and GWIM net income near $1.3B (+19%). Asset quality improved: net charge-offs declined ~10% and certain CRE reservable exposures and NPLs decreased materially. Balance sheet highlights: total assets ~$3.4T, deposits just over $2T (up YoY), CET1 ratio 11.6% (well above regulatory minimum), and $7.4B returned to shareholders (dividends + repurchases). Guidance/comments: management expects Q4 NII to be at the higher end of prior guidance (roughly $15.6B+ FTE) and projects 2026 NII growth broadly similar to 2025 (roughly 5–7% year-over-year) driven by core loan/deposit growth and fixed‑rate asset repricing. Expenses are expected roughly flat Q4 vs Q3 (headcount managed closely); the firm intends to continue deploying AI/digital investments to drive client engagement and efficiency. Investor Day in November will provide additional multi-year targets and detail.
