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TickerTalks›$BAC
BABAC

Bank of America Corporation

$BAC·$385B·Banks - Diversified·Financial Services
$51.23-0.9%YTD-6.1%1Y+1.6%
Price updated 7h ago·X counts updated 5d ago
BABAC
$BACBank of America Corporation
$51.23-0.91%1.0k posts3×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $BAC on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

1,044X posts · last 7 days
Sep 29Oct 11
Chatter Meter
3×
QuietNormal · 1×Loud

How loud $BAC's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's running louder than usual, louder than 99% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-11

Bank of America is bullish on X — reiterated Buy on ORCL with PT raised to $240, framed as bullish on SK Hynix as memory market stays tight, and Charlie Munger 84%-in-banks portfolio framing. Cross-currency senior notes redemption Sept adds housekeeping; notable options trade flow.

Read what X is saying about $BAC

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $BAC — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-10-02

The move has stalled — likely just drifts unless something new shows up.

Classic Buffett bank at 12x earnings — Q3 print Oct 14 decides whether the trade re-engages.

Bank of America is one of the "Big Four" US universal banks — consumer, commercial, wealth and global markets — with Berkshire's longtime 10%+ ownership and a Munger-cited concentration in financials. The stock is roughly flat YTD with volume running 1.7x normal into the Oct 14 earnings print.

  • The P&L is holding at scale: revenue of $30.3B last quarter at 23% operating margin and 63% gross margin, EPS $1.12 — the YoY revenue optics are distorted by a prior-period comparison effect; the underlying NII and fees have been steady.
  • At 12.3x trailing earnings and 2.2x sales, this is well below the big-bank peer group average — any sign that NII expansion catches a tailwind from longer yields or rate-curve steepening is the specific lever that drives the P/E back toward 15x.
  • CEO Brian Moynihan's September option exercise + D-Return (routine) is governance-neutral; dividend coverage is comfortable and the Street expects another dividend-increase announcement with the Q3 print.

Stalled holds until Oct 14 earnings confirm NII acceleration and the deposit outflows the regionals complained about don't show up at BAC. A soft NII print, or any credit-loss provision uptick, is what tips this toward breaking-down; a dividend hike + buyback resumption is what restarts the move.

Agrees with X sentimentX mentions BAC in the context of ORCL buy-reiteration, SK Hynix memory bullishness, and the Munger 84%-banks framing — not a conviction trade on BAC itself but a defensive-income context that lines up with the stalled tape and the Oct 14 catalyst.

What to watch: Oct 14 earnings — net interest income trajectory, deposit-base stability, and any dividend announcement. A soft NII print or credit-loss uptick is what breaks the stalled tape lower; a dividend hike is what restarts the move.

On the calendar: 2026-10-14 — Q3 FY26 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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 — Capital markets recovery (IPO and M&A pipeline) and sustained higher-for-longer net interest margins are the dual structural drivers.

What this means for $BAC

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

Top industry ETF

$KBESPDR S&P Bank ETF
+3.6%YTD
+15.5%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
Q3 2026Oct 14, 2026$1.08$1.10-1.8%
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%
Next earningsFri, Jan 15·consensus EPS $1.14

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 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$123.4B$122.2B – $125.3B$4.56$4.43 – $4.909
FY27$130.5B$127.1B – $134.0B$5.21$5.03 – $5.439
FY28$136.7B$132.6B – $139.0B$5.87$5.59 – $6.106
FY29$133.4B$130.9B – $136.4B$6.82$6.66 – $7.024

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.1.6×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.27%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.-13.2%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.-7.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 7.0B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.9% 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.β1.215-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

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$6.7M
+ 23 other (11 awards · 5 exempts · 5 returns · 2 inkinds) 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

SC 13D/AActivist amendmentOct 15SC 13D/A
8-KPress release / Reg FDOct 148-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
SC 13D/AActivist amendmentOct 5SC 13D/A
SC 13D/AActivist amendmentOct 2SC 13D/A
AI summary

Bank of America Corporation and Banc of America Preferred Funding Corporation filed Amendment No. 5 to their Schedule 13D on October 2, 2026 for the Munifund Preferred Shares of Nuveen Municipal Credit Opportunities Fund. Together they hold 2,050 MFP shares (50.7% of the class) with shared voting and dispositive power, reflecting an update to their position under the MFP Purchase Agreement first entered December 2019. The amendment updates identity and background schedules (Schedules I and II) per a September 30, 2026 amendment to the MFP Purchase Agreement. Administrative amendment maintaining compliance on an existing large preferred share position; no change in economic exposure.

SC 13D/AActivist amendmentSep 17SC 13D/A
AI summary

Bank of America Corporation filed Amendment No. 4 to its Schedule 13D for PIMCO California Municipal Income Fund's Remarketable Variable Rate MuniFund Term Preferred shares, reporting shared beneficial ownership of 1,920 preferred shares representing 79.4% of the class as of September 10, 2026. BofA holds all 1,920 shares with shared voting and dispositive power (0 sole), funded from working capital. This reflects BofA's continued dominant position in a specialized closed-end fund preferred instrument, updated to comply with ongoing reporting obligations.

3/ANew insider — initial holdingsSep 43/A
AI summary

Bank of America (BAC) filed a Form 3/A amendment on behalf of insider Johnbull Okpara to correct a prior overstatement. The original Form 3 incorrectly reported 50,000 depositary shares of Series DD Preferred Stock; the corrected amount is 50 depositary shares. The amendment reflects no actual change in holdings, only a data correction.

SC 13D/AActivist amendmentAug 26SC 13D/A
AI summary

Bank of America Corporation (BAC) filed Amendment No. 4 to its Schedule 13D on August 24, 2026, disclosing its position in the PIMCO New York Municipal Income Fund II's Remarketable Variable Rate MuniFund Term Preferred shares (CUSIP 72200Y508). BAC is acting as a holder of this preferred closed-end fund security, not as an equity issuer. The amendment reflects an updated holding or change in terms for this niche fixed-income instrument. This is a routine institutional reporting update with limited broader market significance.

SC 13D/AActivist amendmentAug 26SC 13D/A
AI summary

Bank of America Corporation filed Amendment No. 5 to its Schedule 13D on August 24, 2026, for the PIMCO Municipal Income Fund II Remarketable Variable Rate MuniFund Term Preferred (CUSIP 72200W882). Similar to Amendment No. 4 filed the same day for a related PIMCO fund, BofA is updating its position disclosure for this preferred closed-end fund security. These are not equity positions in BAC common stock — BAC is the Schedule 13D filer as a holder of PIMCO preferred shares. Both amendments are routine institutional reporting updates.

+ 69 other (52 13Gs · 3 3s · 3 SC 13D/As · 2 13Fs) in window

Recent news

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

Labaton Keller Sucharow LLP Files Securities Class Action Against Bank of America Corporation and Certain of Its Executivesbusinesswire.com·9h agoBank of America Declares Preferred Stock Dividends Payable in November and December 2026prnewswire.com·12h agoRosen Law Firm Encourages Bank of America Corporation Investors to Inquire About Securities Class Action Investigation - BACnewsfilecorp.com·13h agoBank of America Stock Sell-Off Looks Like a Buying Opportunitymarketbeat.com·15h agoBAC Securities Announcement: Bank of America Investors with Losses may have Rights in an Ongoing Securities Fraud Investigation – Contact BFA Lawglobenewswire.com·22h ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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