Bank of America reported Q3 2026 GAAP net income of $6.9B ($0.91 EPS), which included a $1.2B regulatory settlement charge. Excluding that charge, adjusted EPS was $1.08, a 2.6% miss vs. the $1.11 consensus. Revenue of $30.0B also missed the $30.46B estimate. Net interest income grew 8% YoY to $16.4B, but noninterest income fell 2% on lower sales & trading and investment banking fees. The CET1 ratio slipped to 10.9% from 11.2% last quarter.
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Executive Summary
Bank of America reported Q3 2026 GAAP net income of $6.9B ($0.91 EPS), which included a $1.2B regulatory settlement charge. Excluding that charge, adjusted EPS was $1.08, a 2.6% miss vs. the $1.11 consensus. Revenue of $30.0B also missed the $30.46B estimate. Net interest income grew 8% YoY to $16.4B, but noninterest income fell 2% on lower sales & trading and investment banking fees. The CET1 ratio slipped to 10.9% from 11.2% last quarter.
Key Facts
- GAAP net income of $6.9B ($0.91 diluted EPS) vs $8.3B ($1.04) in Q3 2025
- Adjusted EPS of $1.08 missed consensus of $1.11 (-2.6%)
- Revenue of $30.0B missed consensus of $30.46B
- Recorded a $1.2B non-tax-deductible regulatory settlement charge
- Net interest income rose 8% YoY to $16.4B ($16.6B FTE); net interest yield 2.16%
- Noninterest income fell 2% YoY to $1.3B, driven by lower sales & trading and IB fees
- Provision for credit losses of $1.3B, flat YoY; net charge-offs fell to $1.3B
- CET1 ratio declined to 37 bps QoQ to 10.9% (Standardized)
- Average loans and leases grew 6% YoY to $1.23T; deposits up 2% to $2.02T
- Returned $8.3B to shareholders via dividends and buybacks
Financial Impact
GAAP EPS $0.91 vs $1.04 YoY; adjusted EPS $1.08 vs consensus $1.11; revenue $30.0B vs $30.46B consensus; $1.2B regulatory charge
Investment Themes
Documents Analyzed
This report is based on 8 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000070858-26-000481 |
| Document: bac09302026ex991.htm | 0000070858-26-000481 |
| Document: bac09302026ex992.htm | 0000070858-26-000481 |
| Document: bac-20261014.htm | 0000070858-26-000481 |
| Document: 0000070858-26-000481-index-headers.html | 0000070858-26-000481 |
| Document: 0000070858-26-000481-index.html | 0000070858-26-000481 |
| Document: 0000070858-26-000481.txt | 0000070858-26-000481 |
| 8-K Data (Synthetic) | 0000070858-26-000481 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | 8-K | $50.52 | awaiting T+20 | awaiting T+20 | $50.68 (+0.32%) |
Oct 22, 2026 5d ago | 424B5 | $51.08 | awaiting T+20 | awaiting T+20 | $50.68 (−0.78%) |
Oct 22, 2026 6d ago | Court Ruling | $50.56 | awaiting T+20 | awaiting T+20 | $50.68 (−0.24%) |
Oct 21, 2026 6d ago | 8-K | $51.08 | awaiting T+20 | awaiting T+20 | $50.68 (−0.78%) |
Oct 21, 2026 7d ago | Court Ruling | $51.08 | awaiting T+20 | awaiting T+20 | $50.68 (−0.78%) |
Oct 19, 2026 8d ago | 424B5 | $50.39 | awaiting T+20 | awaiting T+20 | $50.68 (+0.58%) |
Oct 16, 2026 11d ago | Institutional Cluster | $50.38 | awaiting T+20 | awaiting T+20 | $50.68 (+0.60%) |
Oct 15, 2026 13d ago | ANALYST-UPGRADE | $51.70 | awaiting T+20 | awaiting T+20 | $50.68 (−1.97%) |
Oct 15, 2026 13d ago | Court Ruling | $51.23 | awaiting T+20 | awaiting T+20 | $50.68 (−1.07%) |
Oct 14, 2026 13d ago | 8-K | $51.39 | awaiting T+20 | awaiting T+20 | $50.68 (+1.38%) |
US Market Status
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