BAC Earnings Predictions — 2026-07-14

Ticker Report or Guide KPI Prediction Answer Confidence
BAC Report Diluted EPS BEAT pred ~$1.14 vs. cons $1.12 MEDIUM
BAC Report Net interest income (GAAP) IN-LINE pred ~$16.0B vs. cons $16.1B MEDIUM
BAC Report Sales & trading revenue BEAT pred ~$5.9B vs. cons $5.6B MEDIUM
BAC Guide FY2026 NII growth guide BETTER guide ~+7-8% vs. cons ~+7% (FY2026 vs 2025) MEDIUM
BAC Guide FY2026 operating leverage target UNCHANGED guide ~200-300 bps vs. cons ~200 bps (FY2026) MEDIUM
BAC Guide Quarterly common dividend (post-CCAR) BETTER guide ~$0.30 vs. cons/current $0.28 (3Q26) MEDIUM
BAC Return Day-1 residual (stock − beta × S&P 500) +1.0% MEDIUM
BAC Return 5-day cumulative residual +0.2% (FADE) A clean beat led by volatile trading plus in-line NII and a likely dividend bump should pop the stock ~1% on day 1, but follow-through fades: management has flagged that the 2H26 fixed-rate repricing tailwind is smaller than 2H25, so out-quarter NII estimates get little upward revision even after the beat (YoY NII growth decelerates from ~9%). With shares at record highs (elevated bar / results largely priced in), a persistent Berkshire selldown overhang, and peers reporting the same week, the initial gain largely gives back — mirroring the muted 2Q25 reaction (~+0.7% then faded). MEDIUM