Bank of America (BAC)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-04
$62.68-0.57%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-04
QuarterlyIQ Insights · BAC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks BAC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 50% of the last 2 guided quarters · -4.6% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow net income and earnings per share through diversified revenue streams and disciplined expense management.
Stated as a priority in 6 of last 6 quarters. Net income grew from $7.2 billion in 2025-Q2 to $9.1 billion in 2026-Q2, diluted EPS increased from $0.90 to $1.21, and revenue rose from $27.4 billion to $31.6 billion over the same period. Management consistently emphasized EPS and net income growth, and the financial results show the company is delivering on this priority.
“Earnings per share up 34% year-over-year. Every business segment reported double digit net income growth.”
“Earnings per share rose 25% year-over-year, starting 2026 with strong momentum.”
“EPS grew 19% over 2024. Solid revenue growth, positive operating leverage and a lower efficiency ratio.”
“Diluted earnings per share up 31% from last year. Strong net income growth drove returns on assets and equity.”
“EPS $0.892 +7% YoY”
“Diluted earnings per share of $0.89, up from prior year.”
Invest in and expand digital platforms to increase user engagement and digitally-enabled sales.
Stated as a priority in 6 of last 6 quarters. Digital banking users grew from about 41.3 million in 2025-Q2 to 50 million in 2026-Q2, with digitally-enabled sales rising to 70% of total sales in 2026-Q2. Management has consistently emphasized digital engagement, and the user metrics show steady growth, indicating delivery on this priority.
“50 million active digital banking users, 4.4 billion digital logins, 70% of total sales digitally-enabled.”
“50 million active digital banking users, 2 million digitally-enabled sales, 71% of total sales digitally-enabled.”
“49 million active digital banking users, 1.9 million digitally-enabled sales, 69% of total sales digitally-enabled.”
“49 million active digital banking users, 2 million digitally-enabled sales, 66% of total sales digitally-enabled.”
“Active mobile banking users 41.3 million, digital logins up 11%.”
“Active mobile banking users 41.8 million, digital logins up 8%.”
Continue returning capital through dividends and share repurchases while maintaining regulatory capital levels.
Stated as a priority in 6 of last 6 quarters. Dividend per share increased from $0.28 in 2025-Q2 to $0.32 in 2026-Q3, a 14% increase. The company returned $8.0 billion to shareholders in 2026-Q2 through dividends and repurchases. Management has consistently emphasized capital returns, and the financial data confirms ongoing delivery.
“Returned $8.0 billion to shareholders ($2.0 billion dividends, $6.0 billion repurchases).”
“Returned $9.3 billion to shareholders (~$2.0 billion dividends, ~$7.2 billion repurchases).”
“Returned $8.4 billion to shareholders ($2.1 billion dividends, $6.3 billion repurchases).”
“Returned $7.4 billion to shareholders ($2.1 billion dividends, $5.3 billion repurchases).”
“Returned capital through dividends and share repurchases, maintaining strong capital position.”
“Returned capital to shareholders through dividends and share repurchases.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Over the trailing year it converted 2.22x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
13 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.