Bank of America Corporation
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+ FollowMarket Cap$130.25B
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Earnings Call Q3 2026
October 14, 2026 - AI Summary
Strong earnings from “Main Street” banking; markets/investment banking softer
- Reported net income $6.9B and EPS $0.91 in Q3.
- Core driver: consumer + wealth + commercial momentum—higher loans and deposits, strong wealth management flows, and higher NII.
- Offsetting weakness: sales & trading / investment banking lower vs prior periods; FICC micro businesses hit by rate/market regime shifts (e.g., credit mortgages and municipals).
Regulatory settlement charge is the key negative; adjusted profitability is materially stronger
- Included non-tax deductible regulatory settlement charge of ~$1.2B (about -$0.17 EPS).
- Excluding the charge: net income ~$8.1B (about ~$1.08 EPS), up vs last year.
- Management emphasizes remediation progress: invested billions in technology and dedicated thousands of employees; “embedded” ongoing remediation costs in expense base.
Net interest income (NII) and margin trend are improving; provides forward earnings support
- NII $16.6B (FTE), up 8% YoY and up $450M QoQ; net interest yield 2.16%, +15 bps YoY and +8 bps QoQ.
- Management states NII is moving closer to ~2.3% medium-term target.
- Loan/deposit growth: loans +$34B QoQ to $1.25T; deposits up $14B QoQ to $2T+; reduced short-term wholesale funding to support NII.
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$-3.86
121.2% downside
Current Fair Value
121.2% downsideOvervalued by 121.2% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $130.25 Billion |
|---|---|
| Enterprise Value | $484.26 Billion |
| Annual dividend | $1.13 |
| Dividend yield | 2.29% |
| Earnings per Share | $3.88 |
| Beta | 1.18 |
| Outstanding Shares | 7,152,700,000 |
Return
| Return on Equity | 10.86% |
|---|---|
| Return on Assets | 0.94% |
| Return on Invested Capital | 1.21% |
Valuation & Multiples
| P/E Ratio | 11.87 |
|---|---|
| PEG | -65.44 |
| Price to Sales | 0.76 |
| Price to Book Ratio | 0.44 |
| Enterprise Value to Revenue | 2.78 |
| Enterprise Value to EBIT | 11.87 |
| Enterprise Value to Net Income | 15 |
| Total Debt to Enterprise | 0.79 |
| Debt to Equity | 1.28 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 14, 2026
EPS Estimate
$1.10
Consensus analyst estimateRevenue Estimate
$30.58 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 15, 2027
EPS Estimate
$1.12
Consensus analyst estimateRevenue Estimate
$30.56 B
Consensus analyst estimateInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
About Bank Of America Corp.
213,000 employees
CEO: Brian Moynihan
Bank of America is one of the world’s leading financial institutions, serving individual consumers, small and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial a...