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Bank of America (BAC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
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Bank of America (BAC - Free Report) reported $27.37 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 6%. EPS of $0.90 for the same period compares to $0.83 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $26.86 billion, representing a surprise of +1.89%. The company delivered an EPS surprise of +11.11%, with the consensus EPS estimate being $0.81.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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): 64.6% versus the seven-analyst average estimate of 65.6%.
Net interest income/yield on earning assets - Yield/rate: 2% compared to the 2% average estimate based on seven analysts.
Net charge-off / Average Loans: 0.5% compared to the 0.6% average estimate based on seven analysts.
Book value per share of common stock: $36.39 versus $36.32 estimated by six analysts on average.
Total earning assets - Average balance: $2,966.84 billion versus the six-analyst average estimate of $2,936.53 billion.
Total nonperforming loans, leases and foreclosed properties: $6.20 billion compared to the $6.52 billion average estimate based on five analysts.
Total Non-Performing Loans: $6.08 billion compared to the $6.48 billion average estimate based on four analysts.
Tier 1 Capital Ratio: 12.9% compared to the 13.2% average estimate based on four analysts.
Tier 1 Leverage Ratio: 6.8% versus the three-analyst average estimate of 6.9%.
Total Noninterest Income: $12.92 billion compared to the $12.35 billion average estimate based on seven analysts.
Net Interest Income- Fully taxable-equivalent basis: $14.59 billion compared to the $14.58 billion average estimate based on seven analysts.
Investment and brokerage services: $4.81 billion versus the five-analyst average estimate of $4.69 billion.
Shares of Bank of America have returned -11.5% over the past month versus the Zacks S&P 500 composite's -3.9% 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 (BAC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Bank of America (BAC - Free Report) reported $27.37 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 6%. EPS of $0.90 for the same period compares to $0.83 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $26.86 billion, representing a surprise of +1.89%. The company delivered an EPS surprise of +11.11%, with the consensus EPS estimate being $0.81.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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): 64.6% versus the seven-analyst average estimate of 65.6%.
- Net interest income/yield on earning assets - Yield/rate: 2% compared to the 2% average estimate based on seven analysts.
- Net charge-off / Average Loans: 0.5% compared to the 0.6% average estimate based on seven analysts.
- Book value per share of common stock: $36.39 versus $36.32 estimated by six analysts on average.
- Total earning assets - Average balance: $2,966.84 billion versus the six-analyst average estimate of $2,936.53 billion.
- Total nonperforming loans, leases and foreclosed properties: $6.20 billion compared to the $6.52 billion average estimate based on five analysts.
- Total Non-Performing Loans: $6.08 billion compared to the $6.48 billion average estimate based on four analysts.
- Tier 1 Capital Ratio: 12.9% compared to the 13.2% average estimate based on four analysts.
- Tier 1 Leverage Ratio: 6.8% versus the three-analyst average estimate of 6.9%.
- Total Noninterest Income: $12.92 billion compared to the $12.35 billion average estimate based on seven analysts.
- Net Interest Income- Fully taxable-equivalent basis: $14.59 billion compared to the $14.58 billion average estimate based on seven analysts.
- Investment and brokerage services: $4.81 billion versus the five-analyst average estimate of $4.69 billion.
View all Key Company Metrics for Bank of America here>>>Shares of Bank of America have returned -11.5% over the past month versus the Zacks S&P 500 composite's -3.9% 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.