The earnings call presented a balanced view of Bank of America's performance, with strong revenue and earnings growth, solid deposit and market performance, and technological advancements being major positives. However, challenges in commercial real estate, regulatory costs, and expense growth highlighted areas of concern.

Company Guidance -

Q3 2025

In the Bank of America's second-quarter 2025 earnings call, the company provided detailed guidance on several key metrics. The bank reported a revenue of $26.6 billion on an FTE basis, with a net income of $7.1 billion after tax, resulting in earnings per share of $0.89. They achieved a 4% year-over-year revenue growth and a 7% growth in earnings per share. The return on assets was 83 basis points, and the return on tangible common equity was 13.4%. Notably, net interest income (NII) reached a record $14.8 billion, growing 7% from the previous year, attributed to disciplined deposit pricing and continuous organic growth. The bank's market-related revenue saw a 15% increase over the prior year's quarter, bolstered by investment banking fees exceeding $1.4 billion. Operational expenses were reported below $17.2 billion, a reduction of $600 million from the first quarter of 2025. Furthermore, the bank repurchased $5.3 billion in shares and paid $2 billion in dividends, marking a 40% increase in total capital return compared to the first half of 2024. The bank also emphasized its ongoing investment in AI and technology to enhance productivity and client experience, with nearly 80% of consumer households now fully digitally engaged.

Record Revenue and Earnings Growth

Bank of America reported revenue of $26.6 billion, net income of $7.1 billion, and earnings per share of $0.89 for Q2 2025. Year-over-year, revenue grew by 4% and earnings per share by 7%.

Net Interest Income Growth

Net interest income reached a record $14.8 billion, growing 7% from Q2 2024. This marks the fourth consecutive quarter of NII growth.

Strong Deposit Growth

Deposits have grown for eight consecutive quarters. Average consumer deposits increased for the third consecutive quarter, with balances up year-over-year for the first time since 2022.

AI and Technology Advancements

Bank of America is leveraging AI and machine learning, with 1,400 AI patents and over 250 AI models. AI applications like Erica are enhancing efficiency and customer interaction.

Global Markets Performance

Global Markets reported a record second quarter level of sales and trading revenue, with revenue up 15% over the prior year quarter.

Capital Return to Shareholders

In Q2, the bank repurchased $5.3 billion in shares and paid $2 billion in dividends, totaling $13.7 billion in capital returned in the first half of 2025, 40% higher than the first half of 2024.

Bank of America (BAC) Earnings, Revenues Date & History

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BAC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	0.93 / -	0.81	―	―	―
Jul 16, 2025	2025 (Q2)	0.86 / 0.89	0.83	7.23% (+0.06)
Apr 15, 2025	2025 (Q1)	0.82 / 0.90	0.76	18.42% (+0.14)
Jan 16, 2025	2024 (Q4)	0.77 / 0.82	0.35	134.29% (+0.47)
Oct 15, 2024	2024 (Q3)	0.76 / 0.81	0.9	-10.00% (-0.09)
Jul 16, 2024	2024 (Q2)	0.80 / 0.83	0.88	-5.68% (-0.05)
Apr 16, 2024	2024 (Q1)	0.76 / 0.76	0.94	-19.15% (-0.18)
Jan 12, 2024	2023 (Q4)	0.53 / 0.35	0.85	-58.82% (-0.50)
Oct 17, 2023	2023 (Q3)	0.83 / 0.90	0.81	11.11% (+0.09)
Jul 18, 2023	2023 (Q2)	0.84 / 0.88	0.73	20.55% (+0.15)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BAC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 16, 2025	$46.15	$46.03	-0.26%
Apr 15, 2025	$36.46	$37.77	+3.59%
Jan 16, 2025	$46.53	$46.08	-0.97%
Oct 15, 2024	$41.17	$41.40	+0.56%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.