For the quarter ended December 2025, Bank of America (BAC) reported revenue of $28.37 billion, up 11.9% over the same period last year. EPS came in at $0.98, compared to $0.82 in the year-ago quarter.
The reported revenue represents a surprise of +3.19% over the Zacks Consensus Estimate of $27.49 billion. With the consensus EPS estimate being $0.96, the company has not delivered EPS surprise.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Bank of America performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio (FTE basis): 61.1% compared to the 62.9% average estimate based on seven analysts.
- Net interest income/yield on earning assets - Yield/rate: 2.1% compared to the 2% average estimate based on seven analysts.
- Net charge-off / Average Loans: 0.4% compared to the 0.5% average estimate based on seven analysts.
- Book value per share of common stock: $38.44 versus the six-analyst average estimate of $38.29.
- Total earning assets - Average balance: $3038.88 billion versus $3064.43 billion estimated by six analysts on average.
- Total nonperforming loans, leases and foreclosed properties: $5.91 billion versus $6.34 billion estimated by five analysts on average.
- Tier 1 Leverage Ratio: 6.8% compared to the 6.7% average estimate based on four analysts.
- Total Non-Performing Loans: $5.8 billion compared to the $6.37 billion average estimate based on four analysts.
- Tier 1 Capital Ratio: 12.8% compared to the 12.9% average estimate based on four analysts.
- Total Noninterest Income: $12.62 billion versus the seven-analyst average estimate of $12.11 billion.
- Net Interest Income- Fully taxable-equivalent basis: $15.92 billion compared to the $15.66 billion average estimate based on seven analysts.
- Investment and brokerage services: $5.3 billion compared to the $5.11 billion average estimate based on five analysts.
View all Key Company Metrics for Bank of America here>>>
Shares of Bank of America have returned -0.5% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Bank of America Corporation (BAC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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