Bank of America Corporation (BAC) earnings date & stock reaction
BAC · Bank of America Corporation · Financials
“Excluding the regulatory settlement charge, our net income was $8.1 billion, or approximately $1.08 per share, up from last year.”
“For 2027, we currently expect full-year growth of NII to be 8% or more, higher than 2026.”
- ▲Sustained NII Growth
- Net interest income reached $16.6 billion, up 8% vs last year.
- Net interest yield improved to 2.16%, up 15bps vs last year.
- ▲Broad-based Loan Expansion
- Commercial loans grew 8% vs last year across all segments.
- Card balances increased nearly 5%, meeting medium-term targets.
- ▲Strong Wealth Management Performance
- GWIM revenue rose 13% vs last year to $7.1 billion.
- GWIM net income increased 22% to over $1.5 billion.
- ▼Impact of One-time Regulatory Charge
- A $1.2 billion regulatory settlement charge reduced net income to $6.9 billion.
- Adjusted net income excluding this charge was $8.1 billion.
- ▼Weakness in IB and Trading
- FICC revenue declined 17% vs last year.
- Investment banking fees decreased compared to the strong year-ago period.
- ▼Decline in Capital Ratios
- CET1 ratio fell to 10.9%, down approximately 35bps vs Q2.
- Capital distributions exceeded net income, impacting capital composition.
Price after the latest report
Bank of America Corporation (BAC) rose the day after earnings in 6 of its last 12 reports (50%), moving ±2.8% on average. It has fallen despite beating the consensus estimate 3 times.
When results drop, check the metric above vs last quarter and whether guidance beats expectations.
The real bar for this stock
Beating estimates isn't enough. Here's where the real surprise started.
How this stock reacts to earnings
Traits seen across its recent earnings reactions
Earnings number vs guidance: which drives it?
How often the beat/miss matched the actual price move
3/9 beats fell next day · watches Net interest margin · provisions · capital return
- Sep 2026 report-6.0%
- Jun 2026 report+1.9%
- Mar 2026 report+1.8%
- Dec 2025 report-3.8%
- Sep 2025 report+4.4%
- Jun 2025 report-0.3%
Earnings timeline · bars = next-day move, ▲▼ = beat/miss
Earnings trend · last 12 quarters
Earnings history and price reaction
| Quarter ended | Reported (ET) | vs market expectation (consensus) | Earnings day | After 5 days |
|---|---|---|---|---|
| 9/2026 | 2026-10-14 | -17.9% | -6.0% | — |
| 6/2026 | 2026-07-14 | +7.7% | +1.9% | +1.6% |
| 3/2026 | 2026-04-15 | +8.8% | +1.8% | +0.2% |
| 12/2025 | 2026-01-14 | +2.2% | -3.8% | -4.5% |
| 9/2025 | 2025-10-15 | +11.4% | +4.4% | +2.9% |
| 6/2025 | 2025-07-16 | +3.6% | -0.3% | +3.5% |
12 reports, quarters ending 12/2023 to 9/2026. The earnings-day move is the first trading day that reflects the report; the five-day figure is the cumulative move from that point.
Frequently asked questions
When is the next Bank of America Corporation earnings date?
The next Bank of America Corporation (BAC) earnings report is expected Wed, January 13 (estimated). This is an estimate based on past reporting dates, not a confirmed date.
Does Bank of America Corporation (BAC) stock usually go up after earnings?
Over the last 12 earnings reports, the stock rose on 6 of them (50%). The average move on earnings day was ±2.8%.
Does Bank of America Corporation react more to the earnings numbers or to guidance?
In 3 of the last 12 reports (25%), the stock moved the opposite way from whether it beat or missed the forecast. A high share means guidance and expectations drive the move more than the reported numbers.
Can Bank of America Corporation stock fall even when earnings are good?
Yes. In 3 of the last 12 reports, Bank of America Corporation fell on the earnings day despite growing EPS. Expectations already priced in, or guidance, can matter more than the reported numbers.
Does Bank of America Corporation stock keep moving after the earnings day?
Over the last 11 reports, the move continued in the same direction for the following five trading days 36% of the time. This tendency is known as post-earnings announcement drift.