Bank of America (BAC) Earnings: Q3 2026 Results and Next Report Date

The quarter ended September 30, 2026 and Bank of America published the results on October 14, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. Bank of America reports EPS two ways: GAAP, under the accounting rules every US filer follows, and adjusted, which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• Revenue here is the line Bank of America reports as total revenue, net of interest expense: net interest income plus noninterest income. Segment figures are on a fully taxable-equivalent basis and leave out All Other (negative $643 million in Q3 2026), so they do not add up to the total.
• Effective 4Q25, Bank of America changed its accounting for certain tax-related equity investments and applied the change retrospectively. The year-ago figures above are the restated ones; Q3 2025 was first reported at $28,088 million of revenue and $1.06 of diluted EPS.
• Q3 2026 results include a $1.2 billion non-tax-deductible regulatory settlement charge, or $0.17 per share. Adjusted EPS excludes it.

Source: Bank of America Q3 2026 results, October 14, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How Bank of America splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• Bank of America's Consumer Banking revenue was $11.6 billion in Q3 2026, up 4% from $11.2 billion in Q3 2025, 39% of total revenue.
• Bank of America's Global Wealth and Investment Management revenue was $7.1 billion in Q3 2026, up 13% from $6.3 billion in Q3 2025, 24% of total revenue.
• Bank of America's Global Banking revenue was $6.2 billion in Q3 2026, flat on $6.2 billion in Q3 2025, 21% of total revenue.
• Bank of America's Global Markets revenue was $5.9 billion in Q3 2026, down 6% from $6.2 billion in Q3 2025, 20% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

Total revenue, net of interest expense, and GAAP diluted EPS, each as first reported in that quarter's release. Q3 2025 predates Bank of America's 4Q25 accounting change for tax-related equity investments; restated, it is $29,040 million and $1.04.

Bank of America's next report is scheduled for January 15, 2027. This page will show Q3 2026 until those results are out and have been checked against the release.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Oct 14, 2026

Bank of America's top line is total revenue, net of interest expense: $29,958 million in Q3 2026, made up of $16,449 million of net interest income and $13,509 million of noninterest income. By segment, on a fully taxable-equivalent basis, Consumer Banking brought in $11,572 million, Global Wealth and Investment Management $7,118 million, Global Banking $6,205 million and Global Markets $5,867 million. (Bank of America Q3 2026 release, Oct 14, 2026)

Net interest income rose $1.2 billion to $16.4 billion, which Bank of America attributes to loan and deposit growth, higher net interest income related to Global Markets activity and fixed-rate asset repricing, partly offset by lower interest rates. Net interest yield on an FTE basis rose 15 basis points to 2.16%. Average loans and leases were $1.23 trillion, up 6%, and average deposits $2.02 trillion, up 2%. (Bank of America Q3 2026 release, Oct 14, 2026; Bank of America Form 10-Q, Q3 2026, Oct 30, 2026)

Noninterest income fell to $13,509 million from $13,807 million. Investment and brokerage services rose to $5,761 million from $5,063 million on higher asset management fees, while investment banking fees fell to $1,799 million from $2,013 million on lower debt issuance and advisory fees, and market making and similar activities fell to $2,360 million from $3,203 million. (Bank of America Form 10-Q, Q3 2026, Oct 30, 2026)

In Global Markets, sales and trading revenue was $5.1 billion, down 5%: FICC fell 17% to $2.6 billion, driven primarily by mortgages, municipals and credit, and equities rose 11% to $2.5 billion on client financing activity. Global Wealth and Investment Management revenue rose 13%, with asset management fees up 16% to $4.5 billion and client balances of $5.1 trillion. (Bank of America Q3 2026 release, Oct 14, 2026)

Bank of America's GAAP diluted EPS fell to $0.91 in Q3 2026 from $1.04 a year earlier because of a $1.2 billion regulatory settlement charge, or $0.17 per share. Excluding it, adjusted EPS was $1.08. The charge accrues for civil money penalties under consent orders with the OCC and FinCEN and a settlement agreement with OFAC, announced on October 13, 2026, over Bank of America's Bank Secrecy Act, anti-money laundering and economic sanctions compliance programs. (Bank of America Q3 2026 release, Oct 14, 2026; Bank of America Form 10-Q, Q3 2026, Oct 30, 2026)

Noninterest expense was $19,722 million, against $17,337 million a year earlier, for an efficiency ratio of 66% (62% adjusted). The charge is not tax-deductible, which pushed the effective tax rate to 22.7% from 19.9%. Provision for credit losses was $1,269 million, against $1,295 million. (Bank of America Q3 2026 release, Oct 14, 2026; Bank of America Form 10-Q, Q3 2026, Oct 30, 2026)

Bank of America's average diluted share count fell to 7,222.2 million from 7,627.1 million a year earlier. In the quarter it repurchased approximately 97 million shares for $6.0 billion under its $40 billion 2025 repurchase program and paid $2.2 billion in common dividends. On October 21, 2026 its board declared a quarterly dividend of $0.32 per share. (Bank of America Q3 2026 release, Oct 14, 2026; Bank of America Form 10-Q, Q3 2026, Oct 30, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

Bank of America's earnings release reports results only and contains no outlook for revenue, net interest income or EPS in the coming quarter. (Bank of America Q3 2026 release, Oct 14, 2026)

Bank of America's CET1 ratio was 10.9% under the Standardized approach at the end of Q3 2026, down from 11.2% at the end of Q2, against a stress capital buffer of 2.5 percent and a CET1 minimum requirement of 10.0 percent. (Bank of America Q3 2026 release, Oct 14, 2026; Bank of America Form 10-Q, Q3 2026, Oct 30, 2026)

A consensus figure is the average of the models published by the analysts who cover Bank of America, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones Bank of America's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning BAC is on is BAC a buy or a sell?, what analysts expect next is on the BAC forecast, and what the company does is on the Bank of America (BAC) stock page.

Every number on this page can be traced to a document Bank of America published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.