Why does BAC lag the market?
Up 18% over five years while the S&P 500 rose 76%.
“Business Lending revenue decreased $698 million in 2025 compared to 2024 primarily driven by lower net interest income.”
BAC's Quality Score fell 1 point on Fri, Oct 30, to 1. Made no higher high and higher low.
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Up 18% over five years while the S&P 500 rose 76%.
“Business Lending revenue decreased $698 million in 2025 compared to 2024 primarily driven by lower net interest income.”
| Holding it back | Below its 200-day since September |
| Latest filing | 8-K, Oct 23 |
Fri Dec 4: Ex-dividend, $0.32 a shareAt the open. Pays Dec 24.
After its last 4 reports it closed -1.2% on average, higher 2 of 4 times.
Below Averagefor quality, not price, 0 of 14 chart checks firingWhat the Quality Score means
BAC is #154 of 167 by Quality Score.
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Net income over four quarters: BAC $33.7B, JPM $65.1B, WFC $22.6B, COF $10.5B.
Reports Fri Jan 15, before the open (in 74 days). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Revenue of $30.0B; a profit of $0.91 a share.
“Revenue, net of interest expense, of $30.0 billion ($30.1 billion FTE),(A) up 3%, reflected higher net interest income (NII) and asset management fees, as well as lower sales and trading revenue and investment banking fees”
BAC's results filing gives no sales by line in a table we read.
No outlook figures read from this release.
“NII of $16.4 billion ($16.6 billion FTE),(A) up 8%, driven primarily by higher loan and deposit balances, higher NII related to Global Markets activity and fixed-rate asset repricing”
From its results filing (SEC filing · Oct 14)
Sales grew 5.7% a year over 5 years, fiscal 2020 to 2025.
Pays $1.28 a share a year.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Oct 14, 2026 | -7.7% | -4.8% | -6.2% |
| Jul 14, 2026 | -0.8% | +1.9% | +1.6% |
| Apr 15, 2026 | +1.7% | +1.8% | +0.2% |
Sales grew in six of the last seven years, to $113B in 2025. It made a profit in each of the eight years.
20 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: BAC is 1.4% of DGRO, 1.4% of VIG, and 1.3% of VYM, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.
Bank of America is a formidable financial titan with a $3.43 trillion balance sheet and a cornerstone of the American economy, holding the second-largest deposit market share in the United States. While the firm has maintained its stronghold among middle-market and retail clientele domestically, Bank of America has continued to hold its own on the global stage, as evidenced by its fourth-largest global trading operation and an investment banking division that regularly finishes in the top four in global league tables. The firm is organized across four segments: consumer banking, global wealth and investment management, global banking, and global markets.
“We operate in a highly competitive environment.”
BAC scores 1 today, which Breakaway calls Below Average. It is #154 of 167 in Banks by Quality Score, with 0 of 14 chart checks firing. Up 18% over five years while the S&P 500 rose 76%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
BAC scores 1 today, which Breakaway calls Below Average (0 to 5). That is #154 of 167 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind BAC's 1.
Reports Fri Jan 15, before the open, a date the company confirmed. BAC closed higher after 2 of its last 4 reports. Past behavior, not a forecast.
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