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Bank of America Corporation

BAC · NYSE · Financials, banks · United States · US GAAP · Fiscal year ends December

Latest report: Q3 FY2026, the quarter ended 30 September 2026, released 30 October 2026. Snapshot FY2026Q3_451c993e.

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Overview

Total net revenue, quarter
+3.2% year on year
Income before income taxes, quarter
−13.8% year on year
Net income attributable to the company, quarter
−16.8% year on year
Return on equity, quarter annualised
−1.8pp year on year
Cost-to-income ratio
+6.1pp year on year
Credit cost ratio
−0.04pp year on year

Select a figure to see the document it came from.

Key Findings

Findings for the latest quarter, with their history over earlier quarters.

  1. Net income attributable to the company for the quarter ended 30 September 2026 was US$6.9 billion, 16.8% lower than in the same quarter a year earlier.

    Newin Q3 FY2026 · first stated
    Rule: Profit against a year earlier · Sources 10-Q 2026-09
    History of this finding, 11 records
    1. Q3 FY2026 NewNet income attributable to the company for the quarter ended 30 September 2026 was US$6.9 billion, 16.8% lower than in the same quarter a year earlier.Recorded from FY2026Q3_451c993e · data update
    2. Q3 FY2026 RetiredThe finding changed to lower than a year earlier.Recorded from FY2026Q3_451c993e · data update
    3. Q2 FY2026 StrengthenedNet income attributable to the company for the quarter ended 30 June 2026 was US$9.1 billion, 26.6% higher than in the same quarter a year earlier.Reconstructed · data update
    4. Q1 FY2026 ConfirmedNet income attributable to the company for the quarter ended 31 March 2026 was US$8.6 billion, 16.6% higher than in the same quarter a year earlier.Reconstructed · data update
    5. Q4 FY2025 WeakenedNet income attributable to the company for the quarter ended 31 December 2025 was US$7.5 billion, 15.7% higher than in the same quarter a year earlier.Reconstructed · data update
    6. Q3 FY2025 StrengthenedNet income attributable to the company for the quarter ended 30 September 2025 was US$8.3 billion, 22.8% higher than in the same quarter a year earlier.Reconstructed · data update
    7. Q2 FY2025 WeakenedNet income attributable to the company for the quarter ended 30 June 2025 was US$7.2 billion, 3.2% higher than in the same quarter a year earlier.Reconstructed · data update
    8. Q1 FY2025 WeakenedNet income attributable to the company for the quarter ended 31 March 2025 was US$7.4 billion, 10.8% higher than in the same quarter a year earlier.Reconstructed · data update
    9. Q4 FY2024 NewNet income attributable to the company for the quarter ended 31 December 2024 was US$6.5 billion, 112.0% higher than in the same quarter a year earlier.Reconstructed · data update
    10. Q4 FY2024 RetiredThe finding changed to higher than a year earlier.Reconstructed · data update
    11. Q3 FY2024 NewNet income attributable to the company for the quarter ended 30 September 2024 was US$6.9 billion, 11.6% lower than in the same quarter a year earlier.Reconstructed · initial

  2. Total net revenue for the quarter was US$30.0 billion, 3.2% higher than a year earlier.

    Weakenedin Q3 FY2026 · stated since Q3 FY20243.2% from 15.0% in Q2 FY2026
    Rule: Revenue against a year earlier · Sources 10-Q 2026-09
    History of this finding, 9 records
    1. Q3 FY2026 WeakenedTotal net revenue for the quarter was US$30.0 billion, 3.2% higher than a year earlier.Recorded from FY2026Q3_451c993e · data update
    2. Q2 FY2026 StrengthenedTotal net revenue for the quarter was US$31.6 billion, 15.0% higher than a year earlier.Reconstructed · data update
    3. Q1 FY2026 ConfirmedTotal net revenue for the quarter was US$30.3 billion, 7.2% higher than a year earlier.Reconstructed · data update
    4. Q4 FY2025 WeakenedTotal net revenue for the quarter was US$31.2 billion, 6.4% higher than a year earlier.Reconstructed · data update
    5. Q3 FY2025 StrengthenedTotal net revenue for the quarter was US$29.0 billion, 10.8% higher than a year earlier.Reconstructed · data update
    6. Q2 FY2025 WeakenedTotal net revenue for the quarter was US$27.4 billion, 4.3% higher than a year earlier.Reconstructed · data update
    7. Q1 FY2025 WeakenedTotal net revenue for the quarter was US$28.2 billion, 6.0% higher than a year earlier.Reconstructed · data update
    8. Q4 FY2024 StrengthenedTotal net revenue for the quarter was US$29.3 billion, 15.4% higher than a year earlier.Reconstructed · data update
    9. Q3 FY2024 NewTotal net revenue for the quarter was US$25.3 billion, 0.7% higher than a year earlier.Reconstructed · initial

  3. Annualised return on equity for the quarter was 9.3%, against 11.0% in the same quarter a year earlier.

    Newin Q3 FY2026 · first stated
    Rule: Return on equity against a year earlier · Sources 10-Q 2026-06, 10-Q 2026-09, 10-Q 2025-06 and 1 more
    History of this finding, 11 records
    1. Q3 FY2026 NewAnnualised return on equity for the quarter was 9.3%, against 11.0% in the same quarter a year earlier.Recorded from FY2026Q3_451c993e · data update
    2. Q3 FY2026 RetiredThe finding changed to lower than a year earlier.Recorded from FY2026Q3_451c993e · data update
    3. Q2 FY2026 StrengthenedAnnualised return on equity for the quarter was 12.1%, against 9.6% in the same quarter a year earlier.Reconstructed · data update
    4. Q1 FY2026 ConfirmedAnnualised return on equity for the quarter was 11.4%, against 10.0% in the same quarter a year earlier.Reconstructed · data update
    5. Q4 FY2025 WeakenedAnnualised return on equity for the quarter was 9.9%, against 8.8% in the same quarter a year earlier.Reconstructed · data update
    6. Q3 FY2025 StrengthenedAnnualised return on equity for the quarter was 11.0%, against 9.3% in the same quarter a year earlier.Reconstructed · data update
    7. Q2 FY2025 WeakenedAnnualised return on equity for the quarter was 9.6%, against 9.4% in the same quarter a year earlier.Reconstructed · data update
    8. Q1 FY2025 WeakenedAnnualised return on equity for the quarter was 10.0%, against 9.1% in the same quarter a year earlier.Reconstructed · data update
    9. Q4 FY2024 NewAnnualised return on equity for the quarter was 8.8%, against 4.3% in the same quarter a year earlier.Reconstructed · data update
    10. Q4 FY2024 RetiredThe finding changed to higher than a year earlier.Reconstructed · data update
    11. Q3 FY2024 NewAnnualised return on equity for the quarter was 9.3%, against 10.9% in the same quarter a year earlier.Reconstructed · initial

  4. The cost-to-income ratio for the quarter was 65.8%, against 59.7% a year earlier.

    Newin Q3 FY2026 · first stated
    Rule: Cost-to-income ratio against a year earlier · Sources 10-Q 2026-09
    History of this finding, 11 records
    1. Q3 FY2026 NewThe cost-to-income ratio for the quarter was 65.8%, against 59.7% a year earlier.Recorded from FY2026Q3_451c993e · data update
    2. Q3 FY2026 RetiredThe finding changed to higher than a year earlier.Recorded from FY2026Q3_451c993e · data update
    3. Q2 FY2026 StrengthenedThe cost-to-income ratio for the quarter was 59.0%, against 62.6% a year earlier.Reconstructed · data update
    4. Q1 FY2026 ConfirmedThe cost-to-income ratio for the quarter was 61.2%, against 62.9% a year earlier.Reconstructed · data update
    5. Q4 FY2025 WeakenedThe cost-to-income ratio for the quarter was 55.9%, against 57.3% a year earlier.Reconstructed · data update
    6. Q3 FY2025 StrengthenedThe cost-to-income ratio for the quarter was 59.7%, against 65.0% a year earlier.Reconstructed · data update
    7. Q2 FY2025 WeakenedThe cost-to-income ratio for the quarter was 62.6%, against 64.3% a year earlier.Reconstructed · data update
    8. Q1 FY2025 WeakenedThe cost-to-income ratio for the quarter was 62.9%, against 66.8% a year earlier.Reconstructed · data update
    9. Q4 FY2024 NewThe cost-to-income ratio for the quarter was 57.3%, against 80.7% a year earlier.Reconstructed · data update
    10. Q4 FY2024 RetiredThe finding changed to lower than a year earlier.Reconstructed · data update
    11. Q3 FY2024 NewThe cost-to-income ratio for the quarter was 65.0%, against 62.9% a year earlier.Reconstructed · initial

Records before Q3 FY2026 are reconstructed from the latest snapshot. Ledger: findings.json.

Data

Source documents27 documents, latest Form 10-Q, period ended 30 September 2026List
DownloadsExcel workbook · JSON
SnapshotFY2026Q3_451c993e

Corporate Events

Corporate events are listed for companies whose figures come from 10-K and 10-Q filings; none are listed for this company.

Earnings, Returns and Balance Sheet

Total Net Revenue

By quarter, US dollars

Income Before Income Taxes

By quarter, US dollars

Net Income Attributable to the Company

By quarter, US dollars

Revenue Mix

Share of total net revenue by quarter, per cent

Return on Equity

Quarter annualised, per cent

Cost-to-income Ratio

By quarter, per cent

Credit Cost Ratio

Provision for credit losses over average loans, quarter annualised, per cent

Loan-to-deposit Ratio

At quarter end, per cent

Financial Statements

Figures as filed. Select a figure for its source document and method; a small d marks a quarter derived from cumulative reports.

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Ratios

Select a ratio for its formula and the figures it uses, each with its document; (i) gives its definition.

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Source Documents

Documents of this snapshot, latest first.

DocumentDateId
Form 10-Q, period ended 30 September 202630 Oct 202610-Q:0000070858-26-000548
Form 10-Q, period ended 30 June 202631 Jul 202610-Q:0000070858-26-000394
Form 10-Q, period ended 31 March 20261 May 202610-Q:0000070858-26-000249
Form 10-K, period ended 31 December 202525 Feb 202610-K:0000070858-26-000157
Form 10-Q, period ended 30 September 202531 Oct 202510-Q:0000070858-25-000405
Form 10-Q, period ended 30 June 202531 Jul 202510-Q:0000070858-25-000268
Form 10-Q, period ended 31 March 202530 Apr 202510-Q:0000070858-25-000200
Form 10-K, period ended 31 December 202425 Feb 202510-K:0000070858-25-000139
Form 10-Q, period ended 30 September 202429 Oct 202410-Q:0000070858-24-000280
Form 10-Q, period ended 30 June 202430 Jul 202410-Q:0000070858-24-000208
Form 10-Q, period ended 31 March 202430 Apr 202410-Q:0000070858-24-000156
Form 10-K, period ended 31 December 202320 Feb 202410-K:0000070858-24-000122
Form 10-Q, period ended 30 September 202331 Oct 202310-Q:0000070858-23-000272
Form 10-Q, period ended 30 June 202331 Jul 202310-Q:0000070858-23-000176
Form 10-Q, period ended 31 March 20231 May 202310-Q:0000070858-23-000142
Form 10-K, period ended 31 December 202222 Feb 202310-K:0000070858-23-000092
Form 10-Q, period ended 30 September 202228 Oct 202210-Q:0000070858-22-000131
Form 10-Q, period ended 30 June 202229 Jul 202210-Q:0000070858-22-000112
Form 10-Q, period ended 31 March 202229 Apr 202210-Q:0000070858-22-000088
Form 10-K, period ended 31 December 202122 Feb 202210-K:0000070858-22-000062
Form 10-Q, period ended 30 September 202129 Oct 202110-Q:0000070858-21-000107
Form 10-Q, period ended 30 June 202130 Jul 202110-Q:0000070858-21-000084
Form 10-Q, period ended 31 March 202129 Apr 202110-Q:0000070858-21-000063
Form 10-K, period ended 31 December 202024 Feb 202110-K:0000070858-21-000023
Form 10-Q, period ended 30 September 202030 Oct 202010-Q:0000070858-20-000071
Form 10-Q, period ended 30 June 202031 Jul 202010-Q:0000070858-20-000040
Form 10-Q, period ended 31 March 20201 May 202010-Q:0000070858-20-000023

Checks

348336 of 348 checks passed, 12 warnings
Fiscal calendar70 passedFiscal years last 350 to 380 days, quarters 80 to 125 days, and each period starts on the day after the one before. Checked at error level.
Quarters and fiscal year92 of 104 passedThe 4 quarters of every item add up to its fiscal year, or a later filing restated the year. Checked at error level; a difference that a later report explains is a warning, which does not stop publication.
Noninterest income, FY2023: $41,650m against $45,838m
Total net revenue, FY2023: $98,581m against $102,769m
Income before income taxes, FY2023: $28,342m against $32,530m
Income tax expense, FY2023: $1,827m against $6,225m
Net income attributable to the company, FY2023: $26,515m against $26,305m
Net income applicable to common shareholders, FY2023: $24,866m against $24,656m
Filer identity1 passedThe documents are those of the company of this page. Checked at error level.
Balance sheet identity27 passedTotal assets equal total liabilities and equity at each balance sheet date. Checked at error level.
Quarters and 9 months14 passedThe 3 reported quarters of a fiscal year add up to the reported 9-month figure. Checked at error level.
Earnings per share6 passedNet income divided by average shares agrees with reported basic earnings per share. Checked at warning level.
Bank interest33 passed Checked at error level.
Bank revenue33 passed Checked at error level.
Bank pretax33 passed Checked at error level.
Bank loans27 passed Checked at error level.

Data Quality

How many values of this snapshot the checks prove, and how many Annalist derives, withholds and tracks as restated. Every company.

Values published1,341
Confirmed by other figures39.7%, 532 values
Confirmed by a second document0.0%, 0 values
Derived from reported figures12.5%, 168 values
Values withheld0
Restated figures tracked57
Changes compared on one basis19
Company lines mapped2 of 2 reviewed

Citation

Annalist, Bank of America Corporation, snapshot bank-of-america/FY2026Q3_451c993e (as of FY2026 Q3); <item label>, <period>; source <document id> (<document url>)

Snapshot FY2026Q3_451c993e · dataset SHA-256 451c993e6d2cba8b2c1f50038566ca38ca6e0e115d0b36b4cdc72be99ed0c969 · findings rules 0.4

Data: info.json · dataset.json · validation.json · documents.json