Bank of America Corp (NYSE:BAC) Beats Q4 2025 Earnings Estimates, Stock Rises

BANK OF AMERICA CORP (NYSE:BAC) reported its fourth-quarter 2025 financial results, delivering a performance that exceeded analyst expectations on both the top and bottom lines. The earnings beat has provided a positive catalyst for the stock, which saw notable gains in premarket trading following the announcement.

Earnings Versus Estimates

The bank's reported figures for the final quarter of 2025 came in ahead of Wall Street's consensus forecasts.

• Revenue: The company reported revenue of $28.37 billion, surpassing the analyst estimate of approximately $28.22 billion.
• Earnings Per Share (EPS): Non-GAAP EPS was reported at $0.98, edging out the estimated $0.97.

This dual beat continues a trend for the banking giant, which has been a beneficiary of favorable industry conditions, including higher interest rates and resilient consumer spending. The revenue outperformance was notably driven by two key segments: a rise in net interest income (NII) and a strong quarter for the bank's trading division, which capitalized on volatile financial markets.

Market Reaction and Price Action

The market's immediate response to the earnings report has been positive. In premarket trading, BANK OF AMERICA CORP (NYSE:BAC) shares gained approximately 0.97%, indicating investor approval of the results and outlook. This premarket move stands in contrast to the stock's performance over recent weeks, where it had experienced modest declines. The positive gap up suggests the earnings release has alleviated some near-term concerns and reaffirmed the bank's operational strength.

Management's Forward Guidance

A significant component of the earnings release was the guidance provided for the upcoming fiscal year. Management indicated an expectation for mid-single-digit growth in Net Interest Income (NII) for the full year 2026. This outlook offers a measure of clarity in an uncertain economic environment and appears to align with, if not support, current analyst models. The provided guidance helps frame the company's expectations against external forecasts.

• Analyst Sales Estimate for FY 2026: $117.93 billion
• Analyst Revenue Estimate for Q1 2026: $29.12 billion

The company's own NII growth projection will be a critical metric for investors to monitor against these broader sales estimates in the coming quarters.

Press Release Summary

The core announcement confirmed the earnings beat and highlighted the drivers behind the strong quarter. Beyond the headline numbers, the results underscored the performance of the bank's diversified business model. The Consumer Banking segment showed stability, while the Global Markets division delivered a robust trading performance. The press release materials, available on the company's investor relations site, provide detailed breakdowns across its core segments: Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets.

For a detailed look at historical earnings, future estimates, and analyst projections, you can review the comprehensive data available here: BANK OF AMERICA CORP Earnings & Estimates.

Disclaimer: This article is for informational purposes only and does not constitute financial advice, a recommendation, or an offer to buy or sell any security. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.