Bank of America Corporation
American multinational investment bank and financial services holding company, the second-largest bank in the United States by assets.
Company Type
public
Founded
1998
Headquarters
Charlotte, North Carolina, USA
Stock
NYSE: BAC
About Bank of America Corporation
Bank of America delivered strong Q4 2025 results, beating analyst expectations with earnings of 98 cents per share versus 96 cents expected, and revenue of $28.53 billion versus $27.94 billion expected. The company reported profit rose 12% from a year earlier to $7.6 billion, driven by rising net interest income, asset management fees, and trading revenue.
Net interest income rose 9.7% to $15.92 billion in the quarter, exceeding analyst expectations by roughly $240 million. The bank provided guidance for 5-7% net interest income growth in 2026, demonstrating confidence in continued profitability despite economic uncertainties.
Equities trading revenue rose 23% to $2.02 billion, while fixed income trading revenue increased 1.5% to $2.52 billion. Investment banking fees remained roughly flat at $1.67 billion, matching market expectations. The company benefited from a smaller-than-expected provision for loan losses of $1.31 billion, about $190 million lower than analyst forecasts.
CEO Brian Moynihan expressed optimism about the U.S. economy in 2026, stating "With consumers and businesses proving resilient, as well as the regulatory environment and tax and trade policies coming into sharper focus, we expect further economic growth in the year ahead."
History of Bank of America Corporation
Bank of America traces its origins to multiple banking institutions. The modern company was formed in 1998 when NationsBank acquired BankAmerica for $62 billion, creating the first coast-to-coast banking franchise in the United States. The combined company adopted the Bank of America name due to its strong brand recognition.
BankAmerica itself was founded in 1923 in California by A.P. Giannini as the Bank of Italy, serving Italian-American immigrants in San Francisco. The bank grew rapidly through acquisitions and became known for its innovative consumer banking products and focus on serving the middle class.
NationsBank was founded in 1891 in Charlotte, North Carolina, and grew through acquisitions throughout the Southeastern United States. Under CEO Hugh McColl, NationsBank expanded aggressively in the 1980s and 1990s, becoming one of the largest regional banks before the BankAmerica merger.
Throughout the 2000s, Bank of America expanded through strategic acquisitions, including FleetBoston Financial (2004), which significantly expanded its presence in the Northeast. The company also acquired Merrill Lynch during the 2008 financial crisis, adding leading wealth management and investment banking capabilities.
Brands Owned by Bank of America Corporation
Bank of America Corporation owns 0 brands in our database.
Stock Information
Bank of America Corporation Ownership: Pros & Cons
Advantages
- +Strong Q4 2025 performance with 98 cents EPS beating expectations
- +Robust 2026 guidance with 5-7% net interest income growth projected
- +Market leadership position in consumer banking and wealth management
- +Advanced digital transformation with Erica AI and 57+ million digital users
- +Diversified revenue streams across multiple business segments
- +Strong brand recognition and extensive global branch network
- +Leading position in investment banking through Merrill Lynch
Considerations
- -Regulatory scrutiny and compliance requirements as a systemically important bank
- -Exposure to economic cycles and market volatility affecting banking operations
- -Competition from fintech companies and other large financial institutions
- -Complex regulatory environment affecting operations and profitability
- -Interest rate sensitivity impacting net interest income margins
- -Credit risk exposure in consumer and commercial lending portfolios
- -Geopolitical risks affecting international banking operations
Frequently Asked Questions About Bank of America Corporation
Is Bank of America a subsidiary of another company?
No, Bank of America is an independent, publicly traded corporation with no parent company. The company operates independently with its own management structure and board of directors, though it was formed through the merger of NationsBank and BankAmerica in 1998.
Is Bank of America publicly traded?
Yes, Bank of America is publicly traded on the New York Stock Exchange under the ticker symbol BAC. The company has been publicly traded since the merger in 1998, with predecessor companies having public trading histories dating back much earlier.
What were Bank of America's Q4 2025 financial results?
Bank of America reported Q4 2025 earnings of 98 cents per share, beating expectations of 96 cents. Revenue was $28.53 billion, exceeding expectations of $27.94 billion. Net interest income rose 9.7% to $15.92 billion, and profit increased 12% to $7.6 billion.
Who is Bank of America's CEO?
Brian Moynihan serves as Chairman and Chief Executive Officer of Bank of America. Moynihan has led the company's digital transformation and strategic initiatives, focusing on technology investment, operational efficiency, and sustainable growth.
What is Bank of America's digital strategy?
Bank of America's digital strategy centers on AI-powered services like the Erica virtual assistant, mobile banking platforms, and automation initiatives. The company serves 57+ million active digital users and invests roughly $13 billion annually in technology, with significant focus on AI and digital transformation.
How many people work at Bank of America?
Bank of America employs approximately 210,000 people worldwide across consumer banking, wealth management, investment banking, and corporate functions. The company's global workforce supports millions of customers through branches, digital platforms, and relationship management teams.
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