Bank of America Corporation · BAC · Next earnings

Bank of America Corporation reports Friday, Jan 15, 2027

BAC reports before market open with consensus EPS at $1.13 and revenue at $30.48B. Last quarter: Bank of America sustains growth targets despite regulatory charge

Reports Before market open71 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.13 Calendar consensus
Consensus revenue $30.48B Calendar consensus
Report date Jan 15, 2027 Friday, date estimated
Session Before market open 71 days away

Where BAC left off: FY2026 Q3

Full report

Bank of America sustains growth targets despite regulatory charge

EPS surprise -1.8% Reported $1.08 vs $1.10
Revenue surprise -1.9% Reported $30.00B vs $30.58B
Stock move -4.8% Event window
Subsequent drift 0.0% Up to 20 sessions

Management maintained its 8% medium-term net interest income growth target and described modest loan and deposit growth into 2027.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Regulatory remediation and settlement-related costs may remain a burden.
  • Higher rates could pressure deposit pricing, funding costs and market revenue.
  • The planned increase in AI and technology spending carries execution risk.
  • A potential 2027 GSIB surcharge increase could affect capital allocation.

Questions analysts left open

  • Whether net interest income growth and operating leverage can be sustained.
  • The effect of the regulatory settlement on expenses and capital allocation.
  • Future deposit pricing and funding-cost pressure.
  • Execution of large-scale AI and technology investments.

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Recent BAC quarters

All BAC earnings
-4.8%FY2026 Q3+1.9%FY2026 Q2+1.8%FY2026 Q1-3.8%FY2025 Q4

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.