Jan. 14 at 9:57 AM
Bank of America
$BAC
Analysts are testing whether BAC can sustain operating leverage. Net interest income growth of roughly 5 to 7 percent into 2026 depends on securities repricing into higher yields and deposit mix management across consumer, wealth, and wholesale clients.
Expenses are expected to be roughly flat quarter over quarter in Q4, with full year costs tracking near a 96 billion dollar run rate. Credit remains in focus, especially whether card charge offs stay near the 3.3 percent 2025 guide and how quickly wholesale and office CRE losses normalize. With CET1 around 11.5 to 11.6 percent, investors are looking for signals on how aggressively BAC deploys its buyback capacity under evolving capital rules.
