BAC
Bank of America CorporationEvidence as of 2026-08-28The desk's Snapshot
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Overview · Bank of America Corporation
Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and inves…
Management team
- Ms. Lauren A. Mogensen J.D. · Global General CounselFind on LinkedIn
- Mr. Johnbull E. Okpara · Chief Accounting OfficerFind on LinkedIn
- Mr. James P. DeMare · President of Global MarketsFind on LinkedIn
- Mr. Dean C. Athanasia · President of Regional BankingFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.0 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (+ 0.0 of a possible + 2; was + 0.0 before debate) · confidence high. Reported revenues rose from $ 27,366,000,000 in the fiscal quarter Q1 2025 (fiscal quarter ended 2025-04-29) to $ 31,558,000,000 in the fiscal quarter Q2 2026 (fiscal quarter ended 2026-07-30), while diluted EPS increased from $ 0.90 to $ 1.21 and net income rose from $ 7,396,000,000 to $ 9,074,000,000 over the same pair of filings. Common shares outstanding declined from 7,604,677,274 as of 2025-02-24 to 6,992,748,365 as of 2026-07-30, even as long-term debt increased from $ 283,279,000,000 as of 2024-12-31 to $ 339,863,000,000 as of 2026-06-30.
Market signals are mixed but constructive: three-month momentum is + 20.5% and the price sits above both the 50‑day and 200‑day simple moving averages (+ 0.3% vs 50‑day, + 12.4% vs 200‑day) with a golden cross present; trailing twelve‑month dividend yield is + 2.49% and P/E (ttm) is 14.29 using EPS ttm of 4.28 and price $ 61.17 (price date 2026-08-27). Notable governance and legal items appear in the MD&A filed 2026-07-31, and a $ 72.5 million settlement with Epstein victims was publicly reported and widely circulated on 2026-08-27.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Reported revenues rose from $27,366,000,000 in the fiscal quarter Q1 2025 (2025-01-01 to 2025-03-31, 3mo) to $31,558,000,000 in the fiscal quarter Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000070858-25-000200Diluted earnings per share increased from $0.90 in the fiscal quarter Q1 2025 (2025-01-01 to 2025-03-31, 3mo) to $1.21 in the fiscal quarter Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0000070858-26-000394Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
The Corporation's MD&A (filed 2026-07-31) includes a standard forward-looking statement caution that identifies example words and verbs (such as "anticipates," "expects," "will," "may") and states that such statements "represent the Corporation's current expectations, plans or forecasts" but "are not guarantees of future results or performance."
10-Q filed 2026-07-31The MD&A (filed 2026-07-31) explicitly lists pending or potential litigation, regulatory inquiries and enforcement actions as uncertainties and names specific matters including processing of unemployment benefits for California and certain other states, features of the automatic credit card payment service, adequacy of anti-money laundering and economic sanctions programs, processing of electronic payments including through the Zelle network, and related fraud.
10-Q filed 2026-07-31Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Momentum over the past 3 months is +20.5% as of 2026-08-27.
Moneyta signal set · 2026-08-27Momentum measured as 6m is +17.6% and ranks in the 75th percentile of the 547-stock research universe as of 2026-08-27.
Moneyta signal set · 2026-08-27Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
BlackRock, Inc. reported a holding value of "$26.30B", Berkshire Hathaway Inc reported "$25.04B", and VANGUARD CAPITAL MANAGEMENT LLC reported "$19.97B" in the 13F data as of 2026-03-31.
13F holdings · 3447 filers · as of 2026-03-31Total reported institutional 13F value was "$257.86B" for the period ending 2026-03-31, with reported value down "-15.0%" quarter-over-quarter, holder_count 3447 and holder_count_delta_qoq -158.
13F holdings · 3447 filers · as of 2026-03-31Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
A federal judge approved a $72.5 million settlement between Bank of America and victims of Jeffrey Epstein, resolving claims related to the bank's dealings with Epstein.
News · upi.com · 2026-08-27The same settlement approval headline was carried by finance.yahoo.com on 2026-08-27, indicating the story circulated beyond a single outlet.
News · finance.yahoo.com · 2026-08-27Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Bank of America insiders reported aggregate insider sales of "$27.7M" and insider purchases of "$0" in the parsed 180-day window (net shares: "-551146").
Form 4 · Greener Geoffrey S (Chief Risk Officer) · $6.7M sold · 2026-05-05Bernard A. Mensah (President, International) sold "94000" shares for reported proceeds of "$4.4M" on 2026-03-12 (Form 4 filing).
Form 4 · Mensah Bernard A (President, International) · $4.4M sold · 2026-03-12Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The price-to-earnings (P/E) ratio on a trailing twelve-month basis is 14.29, using EPS ttm of 4.28 and the market price of 61.17 as of 2026-08-27.
Valuation inputs · SEC XBRL + stored EOD closeEnterprise value is reported as 466,603,417,487 and market capitalization is 427,746,417,487 as of the price date 2026-08-27.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The provided fundamentals collectively point to improving core profitability and shareholder-capital management: revenues, diluted EPS, and net income all rose between Q1 2025 and Q2 2026 while common shares outstanding declined, and repurchase activity appears in the filings — together these items support a favorable operational and capital-return read. Market signals add context consistent with positive investor sentiment: strong 3‑month and 6‑month momentum, price trading above both 50‑ and 200‑day SMAs with a golden cross, and a meaningful dividend yield with multi‑year dividend growth. Trailing twelve‑month operating cash flow is positive, and major institutional holders (BlackRock, Berkshire, Vanguard) retain large reported positions, while notable ETF weights place the company in core passive portfolios. In rebuttal to bear points, the increase in reported long‑term debt and isolated legal headlines are identifiable risks in the evidence but do not negate the contemporaneous earnings, cash flow, and buyback/share‑count improvements the filings document.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.36
36 surviving claims rest on 15 distinct sources; the heaviest analyst carries 19% of them, and 97% of what the desk raised survived the debate.
The evidence rests on a moderate number of distinct sources but a relatively small analyst concentration; nearly all desk-raised points survived review. That pattern implies the read is coherent and durable within the available documents, but analyst concentration and limited source breadth make it somewhat brittle to a small number of new, contradicting filings or market-data updates.
Peer context · computed, not argued
12-1 momentum ranks 1st of 3 in Banks—Diversified (as of 2026-08-27).
90-day volatility ranks 3rd of 3 in Banks—Diversified (as of 2026-08-27).
dividend yield ranks 1st of 3 in Banks—Diversified (as of 2026-08-27).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
15 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.6 to the score
11 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.5 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash+0.4 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.3 to the score
2 headlines
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
14 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state — stated and inferred flags kept apart.
Read by Talbot−0.7 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
The full terminal on BAC Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
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