Bank of America vs American Express
Bank of America Corp. and American Express Co. this page compares business models, financial performance, and market context in a neutral, accessible way. It presents similarities and differences to help readers form their own judgments. Educational content, not financial advice.
Bank of America Corp. and American Express Co. this page compares business models, financial performance, and market context in a neutral, accessible way. It presents similarities and differences to h...
Why It's Moving
Bank of America CEO Fuels Optimism with Bullish 2026 Economic Outlook and Strong Q4 Beat.
- Q4 revenue hit $28.5 billion, beating expectations by over $500 million, powered by 10% net interest income surge from higher deposits, loans, and global markets activity.
- Consumer resilience shines: Debit and credit card spending jumped 6% to $255 billion, with past-due credit card balances improving to 1.27%, easing credit quality fears.
- Moynihan ups 2026 GDP view to 2.8% from 2.6%, citing solid bank earnings and early-year spending trends; Goldman Sachs hikes price target to $67 with Buy rating.
AXP Dips on Rate Cap Fears Ahead of Pivotal Earnings Test
- Shares retreated 7% in the first two weeks of January amid 'policy shock' from interest rate cap proposal, pricing in risks to lending profitability.
- Q4 earnings expected at $3.54 per share (up 16.45% YoY) and $18.86B revenue (up 9.79% YoY), but focus is on guidance for operating costs and policy response.
- Rising loan loss provisions and double-digit expense growth challenge 9% revenue momentum, prompting potential AI-driven efficiencies to protect affluent customer appeal.
Bank of America CEO Fuels Optimism with Bullish 2026 Economic Outlook and Strong Q4 Beat.
- Q4 revenue hit $28.5 billion, beating expectations by over $500 million, powered by 10% net interest income surge from higher deposits, loans, and global markets activity.
- Consumer resilience shines: Debit and credit card spending jumped 6% to $255 billion, with past-due credit card balances improving to 1.27%, easing credit quality fears.
- Moynihan ups 2026 GDP view to 2.8% from 2.6%, citing solid bank earnings and early-year spending trends; Goldman Sachs hikes price target to $67 with Buy rating.
AXP Dips on Rate Cap Fears Ahead of Pivotal Earnings Test
- Shares retreated 7% in the first two weeks of January amid 'policy shock' from interest rate cap proposal, pricing in risks to lending profitability.
- Q4 earnings expected at $3.54 per share (up 16.45% YoY) and $18.86B revenue (up 9.79% YoY), but focus is on guidance for operating costs and policy response.
- Rising loan loss provisions and double-digit expense growth challenge 9% revenue momentum, prompting potential AI-driven efficiencies to protect affluent customer appeal.
Investment Analysis
Pros
- Well-diversified revenue streams spanning consumer banking, wealth management, global banking, and markets segments enhance earnings stability.
- Positive analyst sentiment with a consensus Moderate Buy rating and an average price target implying roughly 9% upside from current levels.
- Historical share price gains near 19% over the past 12 months indicate solid recent performance and resilience.
Considerations
- Near-term price forecasts by some models show potential decline, with expectations of a one-year price drop from current levels.
- Exposure to economic cycles makes it vulnerable to downturns, especially in consumer credit and global banking sectors.
- Highly competitive banking sector with multiple well-capitalised peers may limit margin expansion and growth.
Pros
- Strong brand positioning in payments and premium customer segments supports consistent fee income and growth potential.
- Current stock score indicates lower than normal risk with solid relative historical momentum, trading at a premium price level.
- Focus on premium services and travel-related spending offers upside as consumer discretionary spending recovers.
Considerations
- Higher valuation metrics may raise downside risk if growth expectations are not met or economic conditions deteriorate.
- Concentration on payments and travel sectors leads to higher sensitivity to economic slowdowns and discretionary spending cuts.
- Competition from fintech and traditional banks intensifies, increasing pressure on pricing and customer retention.
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Bank of America (BAC) Next Earnings Date
Bank of America's next earnings report is scheduled for April 15, 2026, covering the first quarter of 2026. The financial results will be released at approximately 6:45 a.m. ET, followed by an investor conference call at 8:30 a.m. ET. This announcement aligns with Bank of America's standard quarterly reporting schedule for 2026.
American Express (AXP) Next Earnings Date
American Express is scheduled to report its next earnings on Friday, January 30, 2026, before market open. The report will cover the fourth quarter and full year 2025 results. Analysts are projecting an EPS of approximately $3.53-$3.54 for the quarter, with revenue estimates around $18.93 billion. This earnings announcement will provide investors with the company's year-end financial performance and updated guidance for 2026.
Bank of America (BAC) Next Earnings Date
Bank of America's next earnings report is scheduled for April 15, 2026, covering the first quarter of 2026. The financial results will be released at approximately 6:45 a.m. ET, followed by an investor conference call at 8:30 a.m. ET. This announcement aligns with Bank of America's standard quarterly reporting schedule for 2026.
American Express (AXP) Next Earnings Date
American Express is scheduled to report its next earnings on Friday, January 30, 2026, before market open. The report will cover the fourth quarter and full year 2025 results. Analysts are projecting an EPS of approximately $3.53-$3.54 for the quarter, with revenue estimates around $18.93 billion. This earnings announcement will provide investors with the company's year-end financial performance and updated guidance for 2026.
Which Baskets Do They Appear In?
Defensive Banking Amid Inflation Concerns
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Published: August 16, 2025
Explore BasketBye-Bye Buffet: The 5,500,000% Investor
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Published: May 18, 2025
Explore BasketWhich Baskets Do They Appear In?
Defensive Banking Amid Inflation Concerns
A sharp drop in U.S. consumer sentiment, fueled by rising inflation and trade policy concerns, signals a potential slowdown in consumer spending. This creates an investment opportunity in defensive sectors like banking, which may prove more resilient than consumer-focused industries during periods of economic uncertainty.
Published: August 16, 2025
Explore BasketBye-Bye Buffet: The 5,500,000% Investor
Follow in the footsteps of Warren Buffett, one of history's greatest investors, with this carefully selected portfolio of his favorite companies. As Buffett prepares to step down as Berkshire's CEO, now's your chance to invest like the Oracle of Omaha.
Published: May 18, 2025
Explore BasketBuy BAC or AXP in Nemo
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