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Sentiment · FY2026 Q2
What companies say about each other on earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“we're gonna get some percentage of your market as is JP and B of A.”
PNC cites Bank of America as a large-bank competitor expanding branches and taking market share, underscoring national retail-banking competition.
“It started with the bigger banks, JPMorgan, Bank of America, but now Fifth Third, PNC or some of your peers that are building out branches”
An analyst cites Bank of America among large banks investing in branch buildouts to strengthen consumer banking, a competitive dynamic for KeyCorp.
“under the 365 CoPilot rollout, which is now out across a total of 200,000 teammates and using it and learning from it, we expect to get good leverage of that.”
Bank of America has rolled out Microsoft 365 Copilot to 200,000 employees, a large enterprise deployment read-through for Microsoft.
“JP Morgan has had a 17%. Rotsee target through the cycle for a long time”
An analyst cites JPMorgan's long-standing 17% through-cycle ROTCE target as a competitive benchmark for Bank of America's return trajectory.
“one of your closest peers, Wells Fargo, did put out a medium term target of 17 to 18%”
An analyst benchmarks Bank of America's 15.4% ROTCE against peer Wells Fargo's newly stated medium-term return target of 17-18%, implying Wells Fargo is guiding to higher through-cycle returns.
“if you were talking to me 6 or 7, maybe 10 years, you'd say this thing called Venmo is coming on and you guys can be left behind, and here we are. Our Zelle payments exceed the most total volumes today and the industries are multiples.”
BofA's CEO cites Venmo (PayPal) as the once-feared P2P payments disruptor, noting the bank-industry Zelle consortium now exceeds Venmo's total payment volumes, a competitive benchmark on scale.
“JPM has a tokenized deposit. Citi has a tokenized deposit. I haven't seen any announcement from you, guys.”
An analyst notes Citi has already launched a tokenized deposit product as part of the digital-assets/stablecoin race, contrasting with BofA's more cautious wait-and-see posture.
“JPM has a tokenized deposit. Citi has a tokenized deposit. I haven't seen any announcement from you, guys.”
An analyst notes JPMorgan has already launched a tokenized deposit product as part of the digital-assets/stablecoin race, contrasting with BofA's more cautious wait-and-see posture.
“I don't know if you guys saw at the JPM Investor Day where Marianne like put that slide up, looking at head count coming down about 10% or so in the consumer bank over the next 5 years.”
An analyst cites JPMorgan's Investor Day disclosure that it expects AI adoption to cut consumer-bank headcount roughly 10% over five years, used to probe how aggressively BofA plans to pursue similar AI-driven efficiency.
“Little bit of Visa b cleaned up this quarter.”
Bank of America notes a modest realized gain from disposing part of its legacy Visa Class B equity holding, contributing to this quarter's other income line.
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Mike Mayo | Wells Fargo | 13 (31%) |
| Gerard Cassidy | RBC Capital Markets | 12 (8%) |
| Jim Mitchell | Seaport Research Partners | 12 (0%) |
| Erika Najarian | UBS | 12 (8%) |
| John McDonald | Truist Securities | 12 (0%) |
| Ken Usdin | Autonomous Research | 11 (0%) |
| Glenn Schorr | Evercore ISI | 9 (0%) |
| Matt O'Connor | Deutsche Bank | 9 (0%) |
| Betsy Graseck | Morgan Stanley | 8 (0%) |
| Chris McGratty | KBW | 8 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wells Fargo | 1 | 13 (31%) |
| RBC Capital Markets | 1 | 12 (8%) |
| UBS | 1 | 12 (8%) |
| Truist Securities | 1 |
| 12 (0%) |
| Seaport Research Partners | 1 | 12 (0%) |
| Autonomous Research | 1 | 11 (0%) |
| Morgan Stanley | 2 | 11 (0%) |
| Evercore ISI | 1 | 9 (0%) |
Bank of America started FY2026 with revenue up 7%, record EPS, and 290 basis points of operating leverage as NII reached $15.9 billion, up 9% year-over-year. Every segment grew in a broad-based quarter, the equities business posted its best quarter ever extending to 15 straight quarters of sales and trading growth. Management raised 2026 NII guidance from 5-7% to 6-8%, and capital returns were accelerated with $9.2 billion deployed. Credit quality was stable to improving with a modest reserve release.
Revenue Growth | Margin | Demand | Competitive Dynamics | Capital Allocation | Regulation Policy | Macroeconomic | Credit | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 8 | 3 | 2 | 2 | 3 | 2 | 3 | 2 |
| 2025Q1 | 5 | 2 | 4 | 1 | 3 | 2 | 3 | 4 |
| 2025Q2 | 6 | 4 | 2 | 4 | 4 | 3 | ||
| 2025Q3 | 10 | 7 | 4 | 4 | 1 | 1 | 2 | |
| 2025Q4 | 6 | 10 | 6 | 3 | 1 | 3 | 1 | 2 |
| 2026Q1 | 7 | 9 | 5 | 5 | 3 | 2 | 4 | 2 |
| 2026Q2 | 2 | 3 | 2 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| Revenue Growth | 8 | 5 | 6 | 10 | 6 | 7 | 2 |
| Margin | 3 | 2 | 4 | 7 | 10 | 9 | 3 |
| Demand | 2 | 4 | 2 | 4 | 6 | 5 | 2 |
| Competitive Dynamics | 2 | 1 | 4 | 4 | 3 | 5 | |
| Capital Allocation | 3 | 3 | 4 | 1 | 1 | 3 | |
| Regulation Policy | 2 | 2 | 3 | 1 | 3 | 2 | |
| Macroeconomic | 3 | 3 | 1 | 4 | 2 | ||
| Credit | 2 | 4 | 2 | 2 | 2 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
BAC Bank of America | 10 | +5.8% | |
| C Citigroup | 8 | +14.0% | |
| JPM JPMorgan Chase & Co. | 9 | +17.9% | |
| WFC Wells Fargo | 8 | +11.3% |