Bank of America Stock Falls 0.55% as $1.39 Billion Volume Ranks 55th in Market Amid NII Growth and Cautious Earnings Outlook

On August 13, 2025, Bank of America (BAC) closed with a 0.55% decline, trading at $47.24. The stock recorded a trading volume of $1.39 billion, ranking 55th in the market by volume.

Bank of America’s net interest income (NII) has shown sequential growth since the Federal Reserve initiated rate cuts in 2024. This improvement is attributed to fixed-rate asset repricing, higher loan and deposit balances, and declining funding costs. Despite a 25-basis-point rate cut expected in September and October, management projects Q4 2025 NII to reach $15.5–$15.7 billion, driven by asset repricing and loan growth. However, the rate reductions may temper long-term NII expansion.

Valuation metrics indicate Bank of America trades at a 12-month trailing price-to-tangible book (P/TB) ratio of 1.76X, below the industry average. Earnings estimates suggest 12.2% and 16.1% year-over-year growth for 2025 and 2026, respectively, though 2026 forecasts have seen marginal downward revisions. The stock currently holds a Zacks Rank #3 (Hold), reflecting cautious optimism about its earnings trajectory.

A strategy of buying the top 500 stocks by daily trading volume and holding them for one day from 2022 to 2025 yielded a compound annual growth rate of 6.98%, with a maximum drawdown of 15.46%. While the approach demonstrated steady growth, the mid-2023 downturn underscores the need for risk mitigation in volatile markets.