Bank of America (0Q16) Earnings Dates, Call Summary & Reports

Q: What is the P/E ratio of Bank of America stock?

The P/E ratio of {name} is N/A.

Compare

3 Followers

Earnings Data

Report Date

Apr 15, 2026

Before Open (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

Last Year’s EPS

0.9

Same Quarter Last Year

Analyst Consensus

Strong Buy

Based on 19 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 14, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presented a broad set of positive operational and financial results — strong revenue and NII growth, robust loan growth, improving asset quality, record Global Markets performance, meaningful operating leverage and substantial shareholder returns. Notable near-term challenges include a modest deposit growth backdrop, the capital impact of an accounting change, ongoing expense and investment needs, rate-sensitivity risks, and regulatory uncertainties (including potential policy actions affecting card yields). On balance, the positive results, forward guidance (NII 5%–7% and continued operating leverage), and momentum across wealth, markets and lending significantly outweigh the disclosed challenges.

Company Guidance

Management guided 2026 NII growth of 5%–7% (Investor Day range) and said Q1 NII should be roughly +7% y/y (using Q4 as a base after a ~$100m markets shift and two fewer interest days), noting a 100 bps instantaneous rate cut would reduce 12‑month NII growth by about $2.0bn while a 100 bps rise would add ≈$700m; they expect $12–15bn of MBS/mortgage assets to roll off quarterly and be replaced at ~150–200 bps higher. On costs, Q1 expense is expected to be ~4% above Q1 ’25 and the firm targets roughly 200 bps of operating leverage for 2026 (vs. a 200–300 bps medium‑term range), after delivering 330 bps in Q4 and 250 bps for FY25. Credit guidance assumes continued stability (Q4 net charge‑offs $1.3bn; NCO ratio 44 bps, down 10 bps y/y; provision $1.3bn). Capital/other metrics: CET1 11.4% (vs 11.6% prior), supplemental leverage ratio 5.7% (vs minimums 5% and 3.75% under new rule), TLAC $467bn, tangible book $28.73 (+9% y/y), diluted shares down ~300m (−4%), Q4 capital returned $8.4bn ($2.1bn dividend, $6.3bn buybacks) and >$30bn for FY25 (41% higher), effective tax rate ≈20% for 2026, loans averaged $1.17tn (+8% y/y) with embedded mid‑single‑digit loan growth, and average deposits were +3% y/y with rate paid on deposits ~163 bps (consumer deposits ≈55 bps).

Strong Quarterly and Annual Profitability

Q4 net income of $7.6 billion, up 12% year-over-year; Q4 EPS $0.98, up 18% year-over-year. Full-year net income grew 13% and EPS grew 19% to $3.81.

Revenue and NII Growth

Q4 revenue up 7% year-over-year; full-year revenue around $113 billion, up 7%. Net interest income (FTE) of $15.9 billion, up 10% year-over-year.

Loan and Deposit Expansion

Average loans grew 8% year-over-year (Q4 loans $1.17 trillion, +$90 billion YoY); average deposits grew ~3% year-over-year. Loans outpaced industry growth and each loan category (card, mortgage, auto, home equity) increased YoY.

Operating Leverage and Expense Discipline

Generated ~330 basis points of operating leverage in Q4 and ~250 basis points for the full year driven by revenue growth and disciplined expense management; Q4 noninterest expense $17.4 billion, up <4% YoY.

Capital Returns and Shareholder Metrics

Returned >$30 billion to shareholders for the year (41% more vs prior year); Q4 capital returned $8.4 billion (dividends $2.1B, share repurchases $6.3B). Tangible book value per share $28.73, up 9% YoY; diluted shares reduced ~300 million (~4%).

Strong Wealth & Asset Flows

Global Wealth & Investment Management revenue $25 billion (up 9% YoY) and net income nearly $4.7 billion (up 10% YoY). Client balances grew ~$500 billion to $4.8 trillion; AUM flows and total flows were strong (AUM flows ~$82B; other flows contributed to combined firm flows cited at ~$115B).

Record Global Markets Performance

Global Markets delivered a record year: revenue $24 billion (up 10% YoY) and earnings $6.1 billion (up 8% YoY); Sales & Trading revenue (ex-DVA) up 10% YoY with equities trading up ~23% driven by Asia activity.

Improving Asset Quality

Net charge-offs $1.3 billion in Q4; total net charge-off ratio 44 basis points, down 10 basis points YoY. Provision expense of $1.3 billion largely matched charge-offs.

Digital & AI Progress and Productivity

Continued digital adoption (e.g., Erica, Zelle) and AI deployment; technology initiatives expanding (noted run-rate spend increases and initiatives). Reported internal productivity gains (example: ~30% reduction in coding time equivalent to ~2,000 FTEs saved) and several hundred million dollars of AI-related investment.

Forward NII & Operating Leverage Guidance

Management reiterated guidance of 5%–7% NII growth for 2026 (based on the implied curve with two rate cuts), and expects ~200 basis points of operating leverage in 2026; Q1 NII expected to grow roughly 7% YoY (with caveats).

Bank of America (GB:0Q16) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GB:0Q16 Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 15, 2026	2026 (Q1)	1.00 / -	0.9	―	―	―
Jan 14, 2026	2025 (Q4)	0.96 / 0.98	0.82	19.51% (+0.16)
Oct 15, 2025	2025 (Q3)	0.95 / 1.06	0.81	30.86% (+0.25)
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)

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

GB:0Q16 Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 14, 2026	$54.16	$52.00	-4.00%
Oct 15, 2025	$49.88	$51.40	+3.03%
Jul 16, 2025	$45.52	$44.97	-1.21%
Apr 15, 2025	$35.70	$37.26	+4.38%

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.