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Bank Of America Earnings Calls
| Release date | Oct 15, 2025 |
| EPS estimate | $0.95 |
| EPS actual | $1.10 |
| EPS Surprise | 15.55% |
| Revenue estimate | 27.515B |
| Revenue actual | -56084000000 |
| Revenue Surprise | -303.83% |
| Release date | Jul 16, 2025 |
| EPS estimate | $0.86 |
| EPS actual | $0.93 |
| EPS Surprise | 8.14% |
| Revenue estimate | 27.305B |
| Revenue actual | 46.666B |
| Revenue Surprise | 70.91% |
| 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 | 26.887B |
| Revenue actual | 25.347B |
| Revenue Surprise | -5.73% |
Last 4 Quarters for Bank Of America
Below you can see how BAC-PS 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 | $20.69 |
| EPS estimate | - |
| EPS actual | $0.84 |
| Date | Price |
|---|---|
| Jan 10, 2025 | $20.18 |
| Jan 13, 2025 | $19.94 |
| Jan 14, 2025 | $20.09 |
| Jan 15, 2025 | $20.64 |
| Jan 16, 2025 | $20.69 |
| Jan 17, 2025 | $20.69 |
| Jan 21, 2025 | $21.07 |
| Jan 22, 2025 | $20.96 |
| Jan 23, 2025 | $20.89 |
| 4 days before | 2.53% |
| 4 days after | 0.97% |
| On release day | 0% |
| Change in period | 3.52% |
| Release date | Apr 15, 2025 |
| Price on release | $19.21 |
| EPS estimate | $0.82 |
| EPS actual | $0.95 |
| EPS surprise | 16.52% |
| Date | Price |
|---|---|
| Apr 09, 2025 | $19.74 |
| Apr 10, 2025 | $19.32 |
| Apr 11, 2025 | $19.07 |
| Apr 14, 2025 | $19.15 |
| Apr 15, 2025 | $19.21 |
| Apr 16, 2025 | $19.23 |
| Apr 17, 2025 | $19.28 |
| Apr 21, 2025 | $19.15 |
| Apr 22, 2025 | $19.30 |
| 4 days before | -2.68% |
| 4 days after | 0.475% |
| On release day | 0.104% |
| Change in period | -2.22% |
| Release date | Jul 16, 2025 |
| Price on release | $19.44 |
| EPS estimate | $0.86 |
| EPS actual | $0.93 |
| EPS surprise | 8.14% |
| Date | Price |
|---|---|
| Jul 10, 2025 | $19.79 |
| Jul 11, 2025 | $19.70 |
| Jul 14, 2025 | $19.59 |
| Jul 15, 2025 | $19.44 |
| Jul 16, 2025 | $19.44 |
| Jul 17, 2025 | $19.68 |
| Jul 18, 2025 | $19.63 |
| Jul 21, 2025 | $19.65 |
| Jul 22, 2025 | $19.56 |
| 4 days before | -1.74% |
| 4 days after | 0.592% |
| On release day | 1.23% |
| Change in period | -1.16% |
| Release date | Oct 15, 2025 |
| Price on release | $20.56 |
| EPS estimate | $0.95 |
| EPS actual | $1.10 |
| EPS surprise | 15.55% |
| Date | Price |
|---|---|
| Oct 09, 2025 | $20.43 |
| Oct 10, 2025 | $20.25 |
| Oct 13, 2025 | $20.43 |
| Oct 14, 2025 | $20.40 |
| Oct 15, 2025 | $20.56 |
| Oct 16, 2025 | $20.43 |
| Oct 17, 2025 | $20.40 |
| Oct 20, 2025 | $20.64 |
| Oct 21, 2025 | $20.73 |
| 4 days before | 0.636% |
| 4 days after | 0.83% |
| On release day | -0.632% |
| Change in period | 1.47% |
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, loan and deposit growth, and fee income. Revenue was $28.2B (up 11% YoY), EPS $1.06 (up 31% YoY), ROTC 15.4%, and net interest income (FTE) reached a record ~$15.4B. Key drivers: commercial loan growth (+13% YoY), continued consumer deposit/ checking account gains (27th consecutive quarter of net new checking growth), strong wealth management flows (AUM up, $84B flows over last 12 months), and an unusually strong investment banking quarter (firmwide fees > $2B, +43% YoY). Expense discipline kept expense growth to 5% YoY, producing ~560 bps of operating leverage and an efficiency ratio below 62%. Credit trends remained healthy with net charge-offs down ~10% and modest reserve release. Balance sheet: assets ~$3.4T, deposits > $2T (up $72B YoY), CET1 ratio 11.6% (well above regulatory minimum), and $7.4B returned to shareholders in the quarter. Outlook/guideposts: Q4 NII expected at the higher end of prior guidance (~$15.6B+ FTE) and management expects full-year 2026 NII growth roughly similar to 2025 (about 5–7%), driven by core loan & deposit growth and fixed-rate asset repricing. Management emphasized ongoing investments in applied technology/AI to improve client experience and productivity, but noted careful, controlled implementation required in a regulated bank.
