Bank of America(US:BAC) ZACKSยท2025-10-15 14:31Core Insights - Bank of America reported $28.09 billion in revenue for Q3 2025, a year-over-year increase of 10.8% and a surprise of +2.96% over the Zacks Consensus Estimate of $27.28 billion [1] - The EPS for the same period was $1.06, compared to $0.81 a year ago, resulting in an EPS surprise of +12.77% against the consensus estimate of $0.94 [1] Financial Performance Metrics - Efficiency Ratio (FTE basis) was 61.4%, better than the estimated 63.1% [4] - Net charge-off / Average Loans remained stable at 0.5%, matching the average estimate [4] - Net interest income/yield on earning assets was 2%, consistent with the average estimate [4] - Total earning assets averaged $3040.19 billion, slightly below the estimated $3068.83 billion [4] - Book value per share of common stock was $37.95, exceeding the average estimate of $37.63 [4] - Total nonperforming loans, leases, and foreclosed properties were $5.47 billion, significantly lower than the average estimate of $6.66 billion [4] - Tier 1 Capital Ratio stood at 13.1%, above the estimated 12.7% [4] - Tier 1 Leverage Ratio was 6.8%, slightly higher than the estimated 6.7% [4] - Total Non-Performing Loans were reported at $5.35 billion, again lower than the average estimate of $6.66 billion [4] - Total Noninterest Income reached $12.86 billion, surpassing the average estimate of $12.26 billion [4] - Net Interest Income on a fully taxable-equivalent basis was $15.39 billion, exceeding the estimated $15.24 billion [4] - Investment and brokerage services generated $5.06 billion, higher than the average estimate of $4.92 billion [4] Stock Performance - Shares of Bank of America returned -1.1% over the past month, while the Zacks S&P 500 composite increased by +1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]