Bank of America Corporation
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+ FollowMarket Cap$127.46B
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Earnings Call Q3 2026
October 14, 2026 - AI Summary
Strong diversified earnings; regulatory settlement charge pressured reported results (but underlying momentum solid).
- Reported net income: $6.9B and EPS: $0.91.
- Included non-tax-deductible regulatory settlement charge: $1.2B (~$0.17/share); excluding it: net income ~$8.1B (~$1.08/share).
- Management emphasized resilience across Consumer, Wealth, and Commercial (“Main Street businesses”), while Markets / Investment Banking were weaker vs prior periods.
Key operating momentum: loans, deposits, wealth flows, and NII improving.
- NII: $16.6B (FTE), up 8% YoY, and up $450M QoQ; net interest yield: 2.16%, +15 bps YoY and +8 bps QoQ, moving toward ~2.3% medium-term target.
- Balance sheet: Loans $1.25T (+$34B QoQ) and deposits ~$2.0T (up $14B vs Q2; end-Q3 +$31B vs prior year quarter); assets $3.4T (-2% vs Q2).
- Loan growth: 10 consecutive quarters of loan growth; Commercial loans +8% YoY with broad segment gains (e.g., global corporate +10%, GWIM custom lending +22%).
- Wealth: ~$38B quarterly net client flows; AUM ~ $2.4T (+12%) and client balances > $5T for first time.
Credit quality stable/improving; provision modest.
- Provision ~ $1.3B, lower than Q2.
- Net charge-off ratio: 44 bps (improved).
- Card loss rate: 3.22% (improved QoQ; delinquencies declined for six straight quarters YoY).
- Commercial criticized assets declined to lowest on a rate basis since 4Q 2019, and non-performing loans fell vs Q2.
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$-3.86
121.7% downside
Current Fair Value
121.7% downsideOvervalued by 121.7% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $127.46 Billion |
|---|---|
| Enterprise Value | $481.47 Billion |
| Annual dividend | $1.25 |
| 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 | 0.74 |
| Price to Book Ratio | 0.43 |
| Enterprise Value to Revenue | 2.76 |
| Enterprise Value to EBIT | 11.8 |
| Enterprise Value to Net Income | 14 |
| 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 Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.00%0% |
|---|---|
| Total Invested | $51,304▲ 60.07% |
| Investors Holding | 20% |
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...