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Bank of America (BAC) Reports Q2 Earnings: What Key Metrics Have to Say
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For the quarter ended June 2025, Bank of America (BAC - Free Report) reported revenue of $26.46 billion, up 4.3% over the same period last year. EPS came in at $0.89, compared to $0.83 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $26.59 billion, representing a surprise of -0.5%. The company delivered an EPS surprise of +3.49%, with the consensus EPS estimate being $0.86.
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): 64.6% versus the seven-analyst average estimate of 64.5%.
Net interest income/yield on earning assets - Yield/rate: 1.9% versus 2% estimated by seven analysts on average.
Net charge-off / Average Loans: 0.6% versus the seven-analyst average estimate of 0.6%.
Book value per share of common stock: $37.13 compared to the $36.84 average estimate based on six analysts.
Total earning assets - Average balance: $3050.21 billion versus $2975.44 billion estimated by six analysts on average.
Total nonperforming loans, leases and foreclosed properties: $6.1 billion versus the five-analyst average estimate of $6.66 billion.
Total Non-Performing Loans: $5.98 billion versus the four-analyst average estimate of $6.62 billion.
Tier 1 Capital Ratio: 12.8% compared to the 13% average estimate based on four analysts.
Tier 1 Leverage Ratio: 6.7% compared to the 6.8% average estimate based on three analysts.
Total Noninterest Income: $11.79 billion versus the seven-analyst average estimate of $11.81 billion.
Net Interest Income- Fully taxable-equivalent basis: $14.82 billion versus $14.86 billion estimated by seven analysts on average.
Investment and brokerage services: $4.78 billion compared to the $4.76 billion average estimate based on five analysts.
Shares of Bank of America have returned +4.3% over the past month versus the Zacks S&P 500 composite's +4.5% 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) Reports Q2 Earnings: What Key Metrics Have to Say
For the quarter ended June 2025, Bank of America (BAC - Free Report) reported revenue of $26.46 billion, up 4.3% over the same period last year. EPS came in at $0.89, compared to $0.83 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $26.59 billion, representing a surprise of -0.5%. The company delivered an EPS surprise of +3.49%, with the consensus EPS estimate being $0.86.
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:View all Key Company Metrics for Bank of America here>>>
Shares of Bank of America have returned +4.3% over the past month versus the Zacks S&P 500 composite's +4.5% 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.