Short answer
Bank of America Corp (BAC) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $28.1B (up 10.8% year over year) with net income of $8.5B.
Q3 2025 key financials · XBRL
- Revenue
- $28.1B
- +10.8% YoY · +6.1% QoQ
- Net income
- $8.5B
- +22.8% YoY · +19.0% QoQ
- EPS (diluted)
- $1.06
- +30.9% YoY · +19.1% QoQ
Source: XBRL data from the Bank of America Corp (BAC) Q3 2025 10-Q on SEC EDGAR. USD.
Bank of America Corp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $28.1B, up $2.7B (11%) YoY from $25.3B Q3 2024; driven by net interest income $15.2B (+$1.3B) and noninterest income $12.9B (+$1.5B)
- Operating margin improvement: Efficiency ratio 61.7% vs 65.0% YoY; net income $8.5B vs $6.9B (+23%), diluted EPS $1.06 vs $0.81
- Best segment: Consumer Banking net income $3.4B (+$0.75B), efficiency ratio 49.9% vs 53.1% YoY; Worst segment: All Other net loss improved to $6M loss vs $295M loss YoY
- Capital: Issued $40B stock repurchase program, repurchased $5.3B stock, declared dividend $0.28/share; CET1 ratio 11.6% (above 10.7% min), TLAC 27% risk-weighted assets
- Outlook: Fed stress buffer down to 2.5% from 3.2% effective Oct 1; management highlights ongoing investments; risks include interest rate volatility, geopolitical tensions, regulatory reviews
Risk Factors
- No material changes in risk factors since 2024 Annual Report on Form 10-K
- Credit risk from potential borrower defaults amid economic uncertainty remains significant
- Regulatory risk includes ongoing scrutiny from U.S. and international regulators on capital requirements
- Market risk from interest rate volatility affecting net interest margin and trading revenue
- Liquidity risk tied to short-term funding markets and potential concentration in wholesale funding sources
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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