BAC
Bank of America CorporationEvidence as of 2026-09-18The 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
Start free to see the full management team.
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.
+0.2 on a −2 to +2 scale (was +0.1 before the debate changed the read).
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 desk records a Mixed evidence balance (+0.2 of a possible +2; was +0.1 before debate) with high confidence. Revenues rose across the recent quarters to $ 31,558,000,000 in the quarter ended 30 June 2026 (fiscal Q2 2026 = fiscal quarter ended 2026-07-30) from $ 30,272,000,000 in the quarter ended 31 March 2026 (fiscal Q1 2026 = fiscal quarter ended 2026-04-30) and $ 28,088,000,000 in the quarter ended 30 September 2025 (fiscal Q3 2025 = fiscal quarter ended 2025-10-30). Diluted EPS moved from $ 1.11 in fiscal Q1 2026 to $ 1.21 in fiscal Q2 2026, and net income was $ 9,074,000,000 in fiscal Q2 2026 versus $ 8,584,000,000 in fiscal Q1 2026 and $ 8,469,000,000 in fiscal Q3 2025.
Balance-sheet and market facts stand out: long-term debt increased to $ 339,863,000,000 as of 30 June 2026 while stockholders’ equity was about $ 301,094,000,000 as of 30 June 2026. Common shares outstanding have steadily declined from 7,406,947,312 as of 30 July 2025 to 6,992,748,365 as of 30 July 2026. Market and ownership signals include a beta versus SPY of 0.73, six‑month momentum of +24.2% (80th percentile), a golden cross with the price 6.1% below the 50‑day SMA but 5.6% above the 200‑day SMA (cross age 72 days), trailing P/E TTM of 13.59, and institutional 13F-reported holdings of $ 302.24B (with a reported quarter‑over‑quarter value change of -81.5% in that 13F dataset).
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.
Revenues for the quarter ended 30 June 2026 (fiscal Q2 2026, 2026-04-01 to 2026-06-30) were $31,558,000,000.
XBRL companyfacts · 0000070858-26-000394Revenues for the quarter ended 31 March 2026 (fiscal Q1 2026, 2026-01-01 to 2026-03-31) were $30,272,000,000.
XBRL companyfacts · 0000070858-26-000249Reads 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 31 July 2026 includes an explicit forward‑looking statement caution describing words and verbs that identify forward‑looking statements and saying such statements are not guarantees of future results.
Management's discussion · filed 2026-07-31The MD&A filed 31 July 2026 enumerates a broad set of uncertainties and risks the Corporation highlights for readers, including pending litigation and regulatory matters (examples named include processing of unemployment benefits for California and certain other states, automatic credit card payment service features, anti‑money laundering and economic sanctions programs, and processing of electronic payments through the Zelle network), and changes to Visa’s and Mastercard’s card network rules and interchange fees.
Management's discussion · 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.
Beta versus SPY is 0.73 and correlation with SPY is 0.43 as of 2026-09-17.
Moneyta signal set · 2026-09-17Short- and medium-term momentum are positive: 3-month momentum is +2.9% and 6-month momentum is +24.2%, with the 6-month momentum at the 80th percentile of the 561-stock research universe.
Moneyta signal set · 2026-09-17weakened in debateReads 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.
Institutional holders reported aggregate holdings of "$302.24B" as of the 13F reporting period ended 2026-06-30.
13F holdings · 3621 filers · as of 2026-06-30The top five 13F holders reported were BlackRock, Inc. at "$31.09B", Berkshire Hathaway Inc at "$27.54B", VANGUARD CAPITAL MANAGEMENT LLC at "$24.04B", STATE STREET CORP at "$17.08B", and FMR LLC at "$10.78B" (as of 2026-06-30).
13F holdings · 3621 filers · as of 2026-06-30Reads 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.
Coverage on stablecoins describes a renewed banking interest in issuing stablecoins and quotes payments experts about potential business benefits, in a market-wide story.
News · finance.yahoo.com · 2026-09-18A Business Insider story cites Bank of America analysts' view that Amazon's plan for more than 1,000 same-day delivery hubs is intended to close Walmart's proximity advantage.
News · businessinsider.com · 2026-09-17Reads 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.
Geoffrey S. Greener (Chief Risk Officer) sold 126,756 shares for $6.7M on 2026-05-05.
Form 4 · Greener Geoffrey S (Chief Risk Officer) · $6.7M sold · 2026-05-05Brian T. Moynihan (Chair and CEO) reported four dispositions of 18,083 shares each on 2026-04-15, 2026-05-15, 2026-06-15 and 2026-08-15 with reported values of $982k, $900k, $1.0M and $1.2M respectively (plus corresponding code M entries reporting 18,083 shares with $0 value on the same dates).
Form 4 · MOYNIHAN BRIAN T (Chair and CEO) · $0 code M · 2026-04-15Reads 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 trailing twelve-month price-to-earnings ratio (P/E TTM) is 13.59.
Valuation inputs · SEC XBRL + stored EOD closeMarket capitalization at the price 58.18 (price date 2026-09-17) is 406,838,099,876.
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.
Primary-source financial filings show sequential revenue and net income growth across recent quarters (revenues rising from $28.1B to $31.6B; net income from $8.47B to $9.07B) along with higher diluted EPS, and the company has materially reduced shares outstanding — evidence consistent with improving per‑share profitability. Market signals show multi-horizon positive momentum, a golden‑cross technical setup, moderate volatility, and a meaningful dividend yield with strong 3‑year dividend growth, all of which are supportive market-context data points. Institutional and ETF ownership claims report very large reported holdings and prominent long-only holders, and a 14‑firm buy‑tilted analyst consensus appears in the evidence set, which together indicate continued institutional engagement. These items are based on recent SEC filings, market signal snapshots, 13F/ETF holdings, and the provided analyst-summary — primary and high‑quality secondary sources that strengthen the favorable read.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.31
41 surviving claims rest on 21 distinct sources; the heaviest analyst carries 20% of them, and 95% of what the desk raised survived the debate.
The read is moderately well sourced (21 distinct documents) and the desk’s debate left most points standing, which increases confidence in the assembled picture. However one analyst supplies a fifth of surviving claims, so source-concentration and potential analyst-specific framing mean the set is not immune to single-source bias or interpretation risk.
Peer context · computed, not argued
12-1 momentum ranks 4th of 6 in Banks—Diversified (as of 2026-09-17).
6-month relative strength ranks 3rd of 6 in Banks—Diversified (as of 2026-09-17).
90-day volatility ranks 4th of 6 in Banks—Diversified (as of 2026-09-17).
dividend yield ranks 2nd of 6 in Banks—Diversified (as of 2026-09-17).
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.
10 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· 1 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 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+0.6 to the score
6 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
12 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot−0.8 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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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.