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BABAC

Bank of America Corporation

$BAC·$423B·Banks - Diversified·Financial Services
$61.27-0.4%YTD+11.3%1Y+30.3%
Mentions · last 7 days
2026-07-11: 185 posts2026-07-12: 392 posts2026-07-13: 666 posts2026-07-14: 789 posts2026-07-15: 496 posts2026-07-16: 393 posts2026-07-17: 299 posts3,255+20%
Price updated 5h ago·X counts updated 5h ago
BABAC
$BACBank of America Corporation
$61.27-0.36%3.3k posts+20%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $BAC, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-16

The move is getting stronger, with heavier trading behind it.

Q2 beat printed, XLF golden cross, and BAC sits within 3% of 52-week highs — the financials rotation is real.

Bank of America is the second-largest US bank by deposits, and it just posted Q2 2026 earnings that beat and prompted analyst upgrades. The stock sits within 3% of its 52-week high and the XLF just printed its first golden cross since December 2023.

  • The earnings result was genuinely clean, not driven by loan-loss releases: Q2 EPS of $1.21 beat the $1.13 estimate by 7%, revenue of $31.6B beat by ~2.5%, and Q1 FCF was $41.8B trailing — analysts responded by boosting forecasts, which reads as durable NII and fee-income momentum, not one-time reserve accounting.
  • Capital return is running full: BAC announced $6.15B in senior-note redemptions on July 14 (retiring $400M floating-rate + $5.75B fixed/floating due 2027), which retires ~$6B of debt without equity dilution — the balance-sheet cleanup a bank does when NII trajectory is strong.
  • The setup is technically extended: position at 97% of the 52-week range and 16% above the 200-day MA — real-business + accelerating is correct, but chasing here means paying up for a bank that just took a large step forward.

The October 14 Q3 print is the next real event. NII trajectory holding above the Q2 pace, credit-quality remaining benign, and deposit-cost commentary staying flat extend the setup. Any NII margin cut plus credit-quality softening ends the run and stalls the tape below $60.

Agrees with X sentimentX is bullish, citing the XLF golden cross and the sector-rotation-into-financials thesis alongside JPM/C/WFC. Mechanics validate: Q2 EPS beat 7%, revenue beat 2.5%, and BAC announced $6.15B in senior-note redemptions on July 14. The one tension worth naming: position sits at 97% of the 52-week range and 16% above the 200-day MA, so any chase requires the October 14 print to affirm NII trajectory — the setup rewards affirmation, not initiation.

What to watch: The October 14 Q3 earnings. Watch NII trajectory vs the Q2 pace, deposit-cost commentary, and credit-quality trend. Any NII margin compression with credit-quality softening = tape stalls sub-$60; steady NII + benign credit extends the run.

On the calendar: 2026-10-14 — Q3 earnings

float missingbeta missing

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment13 posts analyzed · as of 2026-07-17

Bank of America is one of the standout bank-sector charts in the sample: BAC is breaking out of a two-decade base, clearing the highs from the Great Financial Crisis after nearly 20 years of overhead supply is finally being absorbed. The stock is one of many US banks (JPM, MS, C, WFC, GS, BNY, STT, NTRS) posting fresh 52-week or all-time highs together. BAC now has $3.5T in assets as part of a top-10 US bank complex totaling ~$20T, which added $379B in a single quarter. Bulls also flag cup-and-handle formations across JPM/V/BAC and treat the sector as a signal of where we are in the cycle. Skepticism is limited to one 'quietly revealed where we are in the market cycle' warning; the tone is dominantly constructive.

Read the AI verdict + X sentiment for $BAC

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

One of the largest US banks providing consumer banking, wealth management, and investment banking to individuals and institutions.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $BAC.

Banks - Diversified · Financial Services

No material change from last week — elevated NIM has padded bank earnings through 2025, but markets pricing Fed cuts through 2026 compress margins on the way down.

What this means for $BAC

Partial — One of the largest US banks providing consumer banking, wealth management, and investment banking to individuals and institutions; exposure exists but is diluted by diverse end markets and revenue mix.

Top industry ETF

$KBESPDR S&P Bank ETF
+15.7%YTD
+20.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
12.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
22.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
14.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
10.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
63.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 14, 2026$1.21$1.13+7.1%
Q1 2026Apr 15, 2026$1.11$1.01+9.9%
Q4 2025Jan 14, 2026$0.98$0.96+2.3%
Q3 2025Oct 15, 2025$1.06$0.95+11.3%
Next earningsWed, Oct 14·consensus EPS $1.17

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$30.3B-35.6%95.6%34.4%$1.12$41.8B
Q4 FY25$49.7B+5.8%60.1%25.0%$0.99$-22.9B
Q3 FY25$48.2B-1.3%55.6%19.6%$1.08$46.9B
Q2 FY25$46.7B-3.8%53.3%16.5%$0.90$-9.1B

Forward consensus

4-year forecast · up to 10 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$122.1B$121.0B – $124.0B$4.50$4.42 – $4.669
FY27$128.3B$126.2B – $130.4B$5.12$4.91 – $5.3210
FY28$134.2B$133.1B – $135.3B$5.84$5.55 – $6.173
FY29$133.4B$131.8B – $135.7B$6.82$6.71 – $6.972

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.2×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.95%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+11.2%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+15.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 7.1B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMay 5Geoffrey S GreenerChief Risk Officer126.8K sh$6.7MSellMar 12Bernard A MensahPresident94.0K sh$4.4MSellMar 5Sheri B. BronsteinChief People Officer60.0K sh$3.0MSellMar 5Thomas M ScrivenerChief Operations Executive50.0K sh$2.5MSellMar 4James P DemarePresident83.8K sh$4.2MSellMar 3Dean C AthanasiaPresident136.6K sh$6.9M
+ 37 other (12 exempts · 11 awards · 7 inkinds · 6 returns · 1 will) in window

See when $BAC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 148-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Bank of America (BAC) — 8-K (Items 2.02, 7.01) furnishing Q2 2026 earnings results and investor materials announced on July 14, 2026. Disclosed via press releases and exhibits furnished under Regulation FD. Material — major bank quarterly earnings disclosure; furnished not filed.

3New insider — initial holdingsJul 103
AI summary

Bank of America Corp (along with affiliated entities BofA Securities Inc. and Bank of America NA) filed a Form 3 as a 10%+ holder of Bluejay Diagnostics, Inc. (BJDX), disclosing indirect beneficial ownership of 8 shares of BJDX common stock as of July 7, 2026. The minimal share count (8 shares) suggests the holding arises from a technical reporting obligation (e.g., a lending, custody, or derivative arrangement) rather than a strategic investment. Routine and immaterial to either issuer.

SC 13D/AActivist amendmentJun 22SC 13D/A
AI summary

Bank of America Corporation and Banc of America Preferred Funding Corporation filed Amendment No. 15 to their Schedule 13D for Nuveen Quality Municipal Income Fund preferred shares, reporting 7,995 preferred shares owned (shared voting and dispositive), representing 52.3% of the class. This amendment was filed solely because the total outstanding preferred shares of the fund decreased to 15,276 shares as of June 17, 2026, passively increasing BAC's percentage even though its absolute share count is unchanged. Routine administrative 13D update — BAC's position did not change in size, only the issuer's total outstanding preferred share count decreased.

3New insider — initial holdingsJun 153
AI summary

Bank of America Corporation, jointly with subsidiaries BofA Securities Inc. and Bank of America N.A., filed an initial Form 3 disclosing beneficial ownership of 57 shares of Aditxt, Inc. (ADTX) common stock as of June 10, 2026, held indirectly through subsidiaries. The filing notes these shares may reflect short-term stock borrowings, and the group expressly disclaims that the filing constitutes an admission of acting as a group for Section 13(d) purposes. This is a technical/custodial disclosure rather than a strategic position — Bank of America holds a trivial and transient interest in this micro-cap issuer.

8-KShareholder voteMay 68-K — Item 5.07: Shareholder vote
AI summary

Bank of America Corporation (BAC) filed an 8-K reporting results of its annual shareholders' meeting under Item 5.07. The filing is primarily XBRL-formatted tabular vote data covering director elections, auditor ratification, executive compensation advisory vote, and any shareholder proposals. All management-supported proposals passed as expected at the major bank. Detailed vote tallies are included in the structured data exhibits.

SC 13D/AActivist amendmentMay 4SC 13D/A
AI summary

Bank of America Corporation (BAC) securities received an amended Schedule 13D/A (Amendment No. 6) from an Invesco-managed municipal bond fund updating its beneficial ownership position. This amendment reflects changes in the fund's holdings of BAC preferred or debt securities qualifying for 5%+ ownership disclosure. Invesco as a passive-style manager may have filed to update position sizes following portfolio rebalancing. Current aggregate holdings and any updated purpose are disclosed.

SC 13D/AActivist amendmentApr 29SC 13D/A
AI summary

Bank of America Corporation (BAC) received an amended Schedule 13D/A (Amendment No. 9) from a Nuveen-managed municipal bond fund updating its beneficial ownership position. This ninth amendment reflects continued portfolio management activity by the Nuveen fund in BAC preferred or trust preferred securities. The filing discloses current aggregate holdings, voting power, and any updated purpose of holding. As a large institutional holder, Nuveen periodically updates its filings to reflect position changes.

424B5Prospectus supplement (offering)Apr 20424B5
AI summary

Bank of America Corporation (BAC) filed a 424B5 final prospectus supplement for a $10 billion multi-tranche medium-term note (MTN) offering consisting of four series: $500 million floating-rate notes due 2030, $3.25 billion 4.477% fixed-rate notes due 2030, $3.25 billion 4.695% fixed-rate notes due 2032, and $3 billion 5.489% subordinated notes due 2037. This large investment-grade debt issuance provides diversified funding for the major bank's balance sheet. Each tranche targets different investor duration preferences across the yield curve. The offering was made under Bank of America's existing shelf registration statement.

+ 67 other (42 13Gs · 6 SC 13D/As · 4 proxys · 3 13Fs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Bank of America Declares Preferred Stock Dividends Payable in August and September 2026prnewswire.com·11h agoThe Big 3: AAPL, SPCX, BACyoutube.com·14h agoBofA names senior executives to drive AI adoption in global markets-memoreuters.com·16h agoBank of America (NYSE:BAC) Stock Price Up 1.7% Following Earnings Beatdefenseworld.net·20h agoFollow the Smoothie, Not the Beerinvestorplace.com·1d ago

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