Bank of America earnings date and guidance
Bank of America’s next results are expected on January 15, 2027. Bank of America’s key watch is whether earnings growth survives higher compliance costs and tighter capital requirements.
What has Bank of America guided for?
Bank of America reaffirmed full-year NII growth near the top of its 6.0%–8.0% range and introduced an expectation of at least 8% growth in 2027. Its destination is 12.0% EPS growth and a 16.0%–18.0% return on tangible common equity. Buybacks can lift EPS and that return by reducing the number of shares and the equity base, so investors must separate operating improvement from denominator management. Compliance costs will test that distinction.
| Period covered | Low | High | Date given | |
|---|---|---|---|---|
| Deposit growth | Medium term | 4.0% | Nov 5, 2025 | |
| Loan growth | Medium term | 5.0% | Nov 5, 2025 | |
| EPS growth | Medium term | 12.0% | Nov 5, 2025 | |
| ROTCE | Medium term | 16.0% | 18.0% | Nov 5, 2025 |
| NII growth | Fiscal 2026 | 6.0% | 8.0% | Jul 14, 2026 |
What this means. A target such as 500 for pretax margin improvement means 5 percentage points, not 500 million dollars.
Has Bank of America kept its past promises?
There is also a completed test: the 2023 performance units paid 100% after their performance period ended in 2025. The rules did not remove litigation, fines or penalties from the calculation, which matters because shareholders bear those costs.
What does Bank of America’s recent revenue and profit trend show?
Revenue rose across 2021–2025, driven mainly by net interest income. But that income dipped in 2024 before recovering. Loan balances, deposit pricing, market rates and the replacement of older assets with higher-yielding ones all matter. Investment and brokerage income also benefited from stronger markets and new client assets, which are different from growth caused by larger loan balances.
Profit tells a weaker story. Net income in 2025 was below its 2021 level because 2021 benefited from a large credit-loss release, while 2025 absorbed substantial provisions. EPS nevertheless rose because fewer shares divided the result. If fewer people share the same pot, each remaining person receives more; that does not make the pot larger.
| Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 29,958 | 31,558 | 30,272 | 28,367 | 29,040 | 27,443 | 28,247 | 26,475 |
| Net interest income | 16,449 | 15,997 | 15,745 | 15,750 | 15,233 | 14,670 | 14,443 | 14,359 |
| Net income | 6,933 | 9,074 | 8,584 | 7,647 | 8,332 | 7,170 | 7,360 | 6,806 |
| EPS, diluted | 0.91 | 1.21 | 1.11 | 0.98 | 1.04 | 0.90 | 0.89 | 0.83 |
| Net interest margin | 2.2% | 2.1% | 2.1% | 2.1% | 2.0% | 1.9% | 2.0% | 2.0% |
| CET1 capital ratio | 10.9% | 11.2% | 11.2% | 11.4% | 11.6% | 11.5% | 11.8% | 11.9% |
What this means. The earnings per share figures are for each quarter, not the whole year, even though the definition says “year’s profit.”
What should I watch in Bank of America’s next results?
The next decisive evidence is whether earnings growth survives higher compliance costs and tighter capital requirements.