Released
FY2026 Q2
Earnings ReviewBAC
BEATBank of America
Bank of America · Financials/Banks
Tue, July 14, 2026·Before Market Open
Bank of AmericaBank of AmericaUS BanksQ2 EarningsEarnings
01Wall Street Consensus
EPS—
Revenue—
02Earnings Results
EPS$1.21+7.1%
Revenue$31.56BRevenue beat consensus (~$30.6B)
After-Hours Reaction+1.74%
Key Takeaways
- EPS $1.21 (beat consensus $1.13, YoY +34%)
- Total revenue $31.56B (YoY +15%) — beat consensus ~$30.6B
- Net income $9.1B (YoY +27%)
- NII $16.16B (FTE +9.1%), FY NII guidance raised (top of the 6-8% band)
- S&T ex-DVA +33% $7.16B — 17th straight quarter of improvement, IB +50.5% $1.15B
- Provisions $1.37B (YoY -14.2%), NCO $1.41B (-7.4%) — improving credit
- Moynihan: US economy 'stronger than expected' — no sign of a consumer/credit downturn
Key Checkpoints
- 01IB fees (M&A, ECM, DCM)
- 02Trading revenue (Equities + FICC)
- 03NIM trend
- 04Provision movement
- 05Tier 1 capital ratio and buyback guidance
Upside Catalysts
- NIM and loan-demand changes after the June FOMC rate cut
- Whether Q1 2026 trading/IB momentum continues
- Expanded capital return after CCAR
- Large M&A deal closings
Risk Factors
- Commercial real estate credit losses
- Credit-card and consumer-loan delinquency
- Provision surge under macro slowdown
- Higher regulatory capital requirements
Detail
EEPS History (Last 2 Quarters)
Actual EPS vs Consensus — Green Beat · Red Miss
Beat1
Miss0
Beat rate100%
1Coverage Initiation Note
Bank of America (BAC), as of 2026-04-20, offers consumer-franchise strength plus NIM leverage. Q1 2026 earnings have already been released (4/14-16); this entry previews Q2 2026. Actual consensus figures will be updated once finalized in early June to July.
Detail
SEPS 서프라이즈 히스토리
Beat2Miss0Beat률 100%
분기별 EPS 컨센서스 대비 서프라이즈(%) — 막대: EPS, 점선: 매출
컨센서스 대비 실제 EPS/매출 서프라이즈 (%)