BAC

2 days ago at 8:02 AM•r/wallstreetbets See CommentSee Original Comment

When Fed want higher interest rate & collapse economy even remain silent at 10 yr 5.33%, all media appearances AI-vibe collapse next. At extreme high leverage debt, options gambling is routine nowadays. Q3-earnings time start with banks just days away, $C $BAC $JPM $GS $MS $XLF

Mentions:#BAC #JPM #GS #MS #XLF

Useful-Ad8923

11 days ago at 1:17 PM•r/wallstreetbets See CommentSee Original Comment

Puts on COP BAC UBER

Mentions:#COP #BAC #UBER

HystericalSail

11 days ago at 5:22 AM•r/stocks See CommentSee Original Comment

Happy to have distributed a third of my fixed income the last time this BAC.PRQ thread came around. Looks like the cheap is going to keep getting cheaper, at least for now. My biggest concern is not the credit risk of these issues. Including Google's callable debt here, it's what I was looking at. My fear is 6%+ inflation outpacing these returns for years, giving me a positive nominal return but a very negative real return after I pay the tax bill. So far U.S. leadership hasn't demonstrated any interest in taking action to tame inflation. In fact, just the opposite. I think I've talked myself into equities being the only game in town, a TINA trade. Companies that can continue to hike prices, to earn in inflated dollars are where I want to be.

Mentions:#BAC

Embarrassed-Bank2835

11 days ago at 3:55 AM•r/stocks See CommentSee Original Comment

Preferreds are interesting here, but I’d be careful treating the move back to $25 par like guaranteed upside. If rates stay high longer, or credit spreads widen, they can sit below par for a long time. For something like BAC.PRQ I’d look at current yield, call terms, duration/rate sensitivity and how comfortable you are holding through price volatility. AGM.PRG is interesting too, but I’d still separate “government sponsored” from an actual explicit government guarantee. I’d also compare both against Treasuries, investment-grade bonds and short-duration income options on an after-tax/risk-adjusted basis. A 7% yield sounds great until you realize how much extra duration or credit risk you’re taking to earn the additional spread. For me the yield is only half the trade. The bigger question is what has to happen for the principal to recover toward par.

Mentions:#BAC #AGM #PRG

doctah_Y

11 days ago at 1:30 AM•r/stocks See CommentSee Original Comment

Novice question, how does one buy a Microsoft corporate bond or a preferred BAC stock? I don't see it on Schwab

Mentions:#BAC

BobtheChemist

11 days ago at 12:12 AM•r/stocks See CommentSee Original Comment

As stated elsewhere else here recently, the BAC prefereds are long term, if not perpetual, and thus not likely to be called any time soon. I like the AGMpG ones much better, as somewhat backed by the government. Lots of REITS and CEFs have higher yields, but most of those are quite risky. Good luck.

Mentions:#BAC

ScheduleSame258

11 days ago at 11:16 PM•r/stocks See CommentSee Original Comment

eli5.. BAC.prq trades at $16, callable at $25. Gives a dividend. Best case: hold until called @$25 or sell Worst case:? What am I missing?

Mentions:#BAC

FullyPinkManifesto

11 days ago at 10:30 PM•r/stocks See CommentSee Original Comment

Been rotating through preferreds myself for a bit now and your picks arent bad at all. Farmer Mac is one of those weird little corners of the market nobody talks about until they dig into it, their preferreds held up shockingly well through some ugly stretches. The BAC one feels like more of a rate play than pure income, which is fine if youve got the patience for a possible round trip on price. That Microsoft bond comment is interesting because youre basically betting the private sector can outlast the public balance sheet, which historically has been a decent trade more often than people want to admit. 6% from a name like that in this environment feels almost too clean, like theres a catch buried in the duration or the call schedule. The thing most folks miss with these is the reinvestment risk if rates actually do roll over. You lock 7% today and three years from now everything else is paying 4.5, suddenly that par call looks a lot more likely. Still, for a chunk of a portfolio you dont need to touch, hard to argue with investment grade preferreds at these discounts.

Mentions:#BAC

Tiddlychinks

16 days ago at 11:41 AM•r/wallstreetbets See CommentSee Original Comment

Yes but it’s not as good as measuring intoxication as a breathalyzer for BAC.

Mentions:#BAC

504Kris

17 days ago at 8:11 AM•r/wallstreetbets See CommentSee Original Comment

Thinking of shorting BAC because of Oracle.

Mentions:#BAC

SteakEater137

18 days ago at 5:07 PM•r/wallstreetbets See CommentSee Original Comment

I like how BAC is being punished for giving realistic forecasts about the oil situation. The market will beat you down if you dont portray blind euphoric optimism

Mentions:#BAC

Solid-Mood9571

18 days ago at 4:34 PM•r/wallstreetbets See CommentSee Original Comment

BAC dip

Mentions:#BAC

Crema2713

18 days ago at 3:25 PM•r/wallstreetbets See CommentSee Original Comment

BAC calls for a swing trade

Mentions:#BAC

Crema2713

24 days ago at 3:38 PM•r/wallstreetbets See CommentSee Original Comment

might get 90 calls on BAC since they hiking rates

Mentions:#BAC

SDOT_yolo

24 days ago at 12:04 AM•r/wallstreetbets See CommentSee Original Comment

So what are the chances of my $BAC calls being green tomorrow?

Mentions:#BAC

SDOT_yolo

24 days ago at 11:59 PM•r/wallstreetbets See CommentSee Original Comment

Well calls are stupid and puts are obvious.... so what I'm hearing is $60 calls on $BAC?

Mentions:#BAC

tragedywasforesworn

25 days ago at 4:17 AM•r/wallstreetbets See CommentSee Original Comment

Who's holding BAC 60p till friday Should I take profit or wait for mid 50s

Mentions:#BAC

Specific-Chemist-353

26 days ago at 8:21 PM•r/wallstreetbets See CommentSee Original Comment

What if you’re wrong and they hold tight until 10/27? Picking up naked calls on BAC could be interesting. No ifs, ands, or buts about that, except my regardedness.

Mentions:#BAC

CantaloupeSea48

26 days ago at 6:37 PM•r/wallstreetbets See CommentSee Original Comment

BAC pulled the rug

Mentions:#BAC

26 days ago at 6:00 PM•r/wallstreetbets See CommentSee Original Comment

why would BAC betray me like this???????

Mentions:#BAC

Supertainment

26 days ago at 5:51 PM•r/wallstreetbets See CommentSee Original Comment

Bank of America $BAC CEO Brian Moynihan says Q3 sales and trading revenue is expected to be roughly flat year over year. He also expects Q3 investment banking fees of about $1.6B to $1.8B.

Mentions:#BAC

fredditf

26 days ago at 5:36 PM•r/wallstreetbets See CommentSee Original Comment

BAC CEO Brian Moynihan says Q3 sales and trading revenue is expected to be roughly flat year over year. He also expects Q3 investment banking fees of about $1.6B to $1.8B.

Mentions:#BAC

Muddykip

26 days ago at 5:35 PM•r/wallstreetbets See CommentSee Original Comment

Tf happened to BAC and the other banks in the past 30 minutes

Mentions:#BAC

JuanPabloElTres

26 days ago at 9:06 PM•r/stocks See CommentSee Original Comment

Can you elaborate on shorting same issue stocks - e.g., how you identify which ones to short and then when to exit. I have notice that some of the BAC preferred are reading at different yields for the same priority preferred - e.g., BACPRP versus BACPRQ. Seems like some they're issued by the same company and have same debt seniority the market should be giving the same yield. Seems like there might be an arbitrage opportunity though although I'm not sure how to capitalize on it.

Mentions:#BAC

DennyDalton

26 days ago at 8:56 PM•r/stocks See CommentSee Original Comment

If the current yield is attractive to you and you are willing to hold even if rates continue up, go for it. You can bump that yield up by swapping preferred issues, though that's harder to do when preferreds are being routed - in this case (BAC-O, BAC-P, BAC-Q and BAC-S). I own BAC-O and BAC-Q. On down days, I short as much as 50% of my preferred holdings with same issuer preferreds. In this case, that's BAC-M and BAC-N. Shorting isn't for someone without experience and discipline. The shorting reduces (not eliminates) the loss of principal on my long positions and I take those short term gains and buy more. Avoid the high borrow rate stocks and get out of the way of ex-div dates because short sellers pay the dividend to the lender.

Mentions:#BAC

I_killed_the_kraken

27 days ago at 8:43 PM•r/wallstreetbets See CommentSee Original Comment

If you expect interest rates to rise, which is what the data from FedWatch and Polymarket suggest, there are several options: * Banks: $JPM; $BAC; WFC; $USB. * Brokerage firms: for example, $SCHW. * Insurance companies: $ALL; $PGR. * BDCs with predominantly floating-rate portfolios: $ARCC; $MAIN.

Mentions:#JPM #BAC #WFC #USB #SCHW #PGR #ARCC #MAIN

28 days ago at 12:52 AM•r/stocks See CommentSee Original Comment

I’m not ignoring your data points; they just don’t prove the price math you think they prove. You are entitled to your own opinion, but you aren’t entitled to your own facts. Let's address the exact facts you cited and look at what the math actually dictates: Fact 1: The 10-year Treasury has stayed under 5% for most of the last 25 years. That is true. But the 10-year Treasury sitting under 5%—say, at 4.0% to 4.25% in a normalized, non-recessionary 3% Fed funds environment—does not price BAC-PRQ anywhere near $21 or $25. Fact 2: A 6.75% preferred yield today is historically elevated. Agreed. That makes it an attractive yield to clip if you want high income. But the fact that 6.75% is high doesn't mathematically unlock a 33% to 60% capital gain unless yields collapse to levels unseen outside of zero-rate regimes. Here’s the math that you can’t explain away. BAC-PRQ pays a fixed coupon of $1.0625. For the price to hit $21, the market yield must drop to 5.06%. For it to hit par ($25), the market yield must drop to 4.25%. If a standard investment-grade bank preferred demands a \~175 bps credit spread over the 10-year Treasury, the 10-year yield would need to drop to 3.31% just to see $21, and down to 2.50% to see $25. The 10-year Treasury did not average 2.50% over the last 25 years outside of post-GFC ZIRP and the 2020 pandemic shock. Your facts support the thesis that 6.75% is an attractive entry point for income. What they do not support is the thesis that a return to a standard, non-crisis interest rate environment hands you a 33% to 60% equity-like capital windfall. The pricing formula is fixed: Price = 1.0625/market yield. The yield has to go where the math says it has to go to produce those dollars.

Mentions:#BAC

28 days ago at 12:23 AM•r/stocks See CommentSee Original Comment

No AI needed, just basic bond math that you keep ignoring. I’m pushing back because your ideas are wrong and I’ve given you plenty of detailed reasons why, yet you persist. It’s as though you think repetition will make these ideas come true. Nobody is arguing whether 6.75% is historically elevated. The entire issue is your claim that you get an equity-beating 60% capital gain (to $25) or a 33% gain (to $21) simply by waiting for rates to normalize to a 'neutral' 3%. Let’s look at the actual mechanics: BAC-PRQ pays a fixed $1.0625 per year. For its price to reach $25, the market yield must fall to 4.25**%** ($1.0625 / $25). If preferreds carry a standard 150–200 bps credit spread over the 10-year Treasury, the 10-year yield would need to drop to 2.25%–2.75% just for BAC-PRQ to trade at par. That isn't a 'neutral 3% policy rate' environment; that is near-ZIRP or deep recession pricing. For BAC-PRQ to trade at $21, its yield must be 5.06% ($1.0625 / $21). If the Fed sits at a neutral 3%, a normal upward-sloping yield curve puts the 10-year around 4.0%–4.25%. Add a normal 175 bps bank preferred spread, and the market demands \~5.75%–6.0% yield on this paper—pricing it around $17.70 to $18.50, not $21. If your thesis is simply: *'I want to lock in a 6.75% qualified dividend on a high-grade bank and hold it indefinitely,'* that's a completely rational income trade. Where the argument falls apart is marketing it as a lower-risk alternative to the S&P 500 with a baked-in 33% to 60% capital upside under normal economic conditions. You take unhedged duration and subordinated Tier 1 capital risk, with the upside strictly capped at $25 if rates plunge, and zero growth to fight inflation if they don't. That's not broken data; it's just the structural reality of the instrument.

Mentions:#BAC

28 days ago at 11:28 PM•r/stocks See CommentSee Original Comment

I understand your math perfectly; what you are missing is that your math relies on broken macroeconomic and structural assumptions. You are assuming that if the Fed cuts the policy rate to a 'neutral' 3%, the 10-year Treasury automatically sits at 3%, preferred credit spreads magically contract to zero, and BAC-PRQ immediately trades at a 5% yield ($21.24). In reality, a 3% neutral Fed Funds rate in an un-inverted, normal upward-sloping yield curve implies a 10-year Treasury yield around 4.0% to 4.5%, not 3.0%. Subordinated perpetual bank paper historically commands a 150–250 bps spread over the 10-year. Add a normal 175 bps spread to a 4.0% 10-year, and BAC-PRQ yields 5.75%—pricing it at $18.47, not $21.24. BAC-PRQ briefly touched $21 because markets aggressively priced in imminent recession cuts and near-zero rates, with the 10-year dropping toward 3.6%. The moment growth held up, that price evaporated. Claiming $21 requires either an inverted curve, an emergency return to ZIRP, or credit risk disappearing from bank capital structure. That is why framing this as a routine 'neutral rate' outcome is fundamentally flawed. You keep treating this like a bond that gets pulled toward par. Because there is no maturity date, there is no redemption anchor. If yields stay higher for longer, the mark-to-market loss is permanent. If rates drop to zero, BofA calls the shares at $25, permanently capping upside. If rates rise to 6%+, there is no floor. You absorb unlimited downside for strictly capped upside. You equate BofA's size with safety, ignoring that preferreds are explicitly engineered as loss-absorbing Tier 1 regulatory capital. In stress scenarios, preferred dividends are non-cumulative and can be halted long before senior debt defaults. Equities absorb volatility in exchange for growing earnings, dividend hikes, and pricing power. A perpetual fixed $1.0625 coupon has zero growth, guaranteeing purchasing power degradation over a 10- to 20-year horizon. You admitted this is essentially a rate-cut duration bet. Taking junior bank credit spread risk, non-cumulative dividend risk, and call risk to express a duration thesis is an uncompensated risk trade-off.

Mentions:#BAC

29 days ago at 7:14 PM•r/stocks See CommentSee Original Comment

You are moving the goalposts. Your original post claimed a 60% upside to $25 based on waiting out interest rate cuts. Now that the duration and yield math has been laid out, the thesis has shrunk to a hypothetical move to $21. At a 4.25% coupon ($1.0625/yr), BAC-PRQ trading at $25 means a yield of **4.25%**. For a perpetual, subordinated bank tier-1 issue to yield 4.25%, the 10-year Treasury would have to sit near 2.0%–2.5% (assuming a historical 150–200 bps credit spread). That is not a "neutral rate" environment; that is emergency zero-interest-rate policy (ZIRP). No one said the S&P 500 doesn't have volatility. The point is that equities offer earnings growth, dividend increases, and inflation hedging to compensate for volatility. Preferred stock gives you equity-subordinated balance-sheet risk with a permanently fixed coupon. If inflation persists and the long end stays elevated, your purchasing power decays forever because there is zero maturity date to redeem your principal. When the economy weakens and the Fed cuts short rates, credit spreads on junior bank paper widen. That is why long-rate drops do not transfer 1:1 into preferred share price gains. If you like BAC-PRQ for high current cash flow in a taxable account, that is a defensible income strategy. But marketing it as an asymmetric play with "60% upside and less risk than equities" ignores the structural mechanics of fixed-rate perpetual preferreds.

Mentions:#BAC

29 days ago at 6:06 PM•r/stocks See CommentSee Original Comment

You are still missing the mathematical reality of fixed-rate perpetuals and conflating credit default risk with duration and structure risk. The math doesn’t work for $21: BAC-PRQ pays a fixed coupon of 4.25% ($1.0625/yr on a $25 par). For the price to hit $21, the market yield on this issue must fall to \~5.06% ($1.0625 / $21). Bank preferreds historically trade at a 150–250 bps spread over Treasuries to compensate for subordination and perpetual duration. If the 10-year drops to the Fed’s neutral rate of \~3.0%, a normalized spread puts BAC-PRQ yielding 5.0%–5.5%, pricing it between $19 and $21 *at best*. You don't get a 33% gain just because rates normalize; you need long yields to collapse back to near-zero ZIRP conditions. You’re treating the 6.75% current yield as free money while you wait. If the 10-year yield moves from 4.9% to 5.5%—or if long-term inflation expectations shift higher and the yield curve steepens—a zero-maturity fixed paper with infinite duration will drop another 15%–20% in price. That completely erases 2–3 years of your dividend income in mark-to-market losses. The S&P 500 isn't risky just because companies go bankrupt; it’s an asset class where companies grow earnings, hike dividends, and buy back shares to combat inflation. BAC-PRQ has none of that. You take full subordination risk (it is Tier 1 capital, meaning common dividends get cut first, but preferreds are explicitly engineered to absorb balance-sheet pain), zero dividend growth forever, and zero maturity guarantee, all for an equity-like spread. If macro conditions push long yields significantly lower, BofA calls it at $25—capping your upside. If long yields stay elevated or rise, you are locked into a sub-par yield on capital you cannot pull out without selling at a loss. If your thesis is purely "the 10-year Treasury is peaking at 4.9% and heading lower," buying actual long-term Treasuries (like 20+ year bonds or TLT) gives you the exact same interest-rate upside without credit spread risk, non-cumulative deferral risk, or call risk. Why take junior bank capital risk for a trade that is purely an interest-rate duration bet?

Mentions:#BAC #TLT

29 days ago at 3:25 PM•r/stocks See CommentSee Original Comment

I think you’re confusing** **perpetual preferred stock with a standard maturing bond, misunderstanding** **duration risk, and ignoring the asymmetry of embedded call options. You’re looking at the $25 liquidation preference and assuming the stock must eventually return to $25 if you simply wait. Bank of America Preferred Series Q (BAC-PRQ) is perpetual—it has no maturity date. Bank of America has the *right*, but zero obligation, to redeem it at $25. A company only exercises a call option when prevailing interest rates have plummeted so low that it can refinance cheaper. If rates remain normal or elevated, the issuer will happily leave the shares outstanding forever while they trade at a steep discount. Because perpetual preferred shares have no maturity date, their effective duration is immense. As the first commenter rightly pointed out, their prices are often more sensitive to long-term interest rate shifts than 30-year Treasuries. Preferred stock offers asymmetric downside. If rates surge, the price crater has no floor; there is no maturity payout at $25 to pull the price back to par over time. If rates plummet, the price upside is strictly capped around $25 because the issuer will simply call the shares away. In your later comment you said that if the Fed cuts rates to 3%, the stock will automatically see 30% to 40% capital appreciation. The Fed controls the overnight rate; preferred shares price off long-term corporate credit spreads and long-term Treasury yields. If the yield curve un-inverts or steepens (long rates stay at 4.5% even while short rates drop), perpetual preferreds will see very little price movement. You stated this offers "less risk and volatility than the S&P 500" because Bank of America is a top-tier bank. Preferred stock is subordinate to all senior debt and tier-2 debt. In a systemic banking crunch or capital-adequacy mandate (as seen in recent regional bank shocks and Credit Suisse's AT1 wipeout), bank regulators can force banks to defer or eliminate preferred dividends to preserve Tier 1 capital. Bank of America common stock can fall 40% while paying its dividend, but preferred holders take direct volatility with none of the infinite earnings upside that equity owners enjoy. You are essentially treating a perpetual, call-capped, high-duration instrument as a guaranteed equity-like compounding machine. Preferreds can provide a steady income stream, but banking on a 60% capital gain without factoring in call asymmetry or perpetual duration is fundamentally flawed.

Mentions:#BAC

furiouschads

29 days ago at 3:45 AM•r/stocks See CommentSee Original Comment

BAC PRQ is callable. Consider BAC PRL, which is not callable.

Mentions:#BAC

HystericalSail

29 days ago at 11:40 PM•r/stocks See CommentSee Original Comment

You can pretty much pick your duration. The highest yielding ones are the ones furthest out, to 2075. Well, highest in USD. [https://www.tradingview.com/symbols/NASDAQ-GOOG/bonds/](https://www.tradingview.com/symbols/NASDAQ-GOOG/bonds/) Looks like the ones I'm eyeing are now yielding 6.6%, and 13% discount to par. The profit potential for trading over par in case rates drop is not there since they're callable. Anyway, BAC.PRQ is now on my radar. I've pretty much decided on distributing TLT, but not which other fixed income I'll rotate into. I don't expect my hedges to outperform the S&P long term. That's why they're hedges. They are a cost, like any other insurance.

Mentions:#GOOG #BAC #TLT

Legitimate_Height424

29 days ago at 11:29 PM•r/stocks See CommentSee Original Comment

Curious to see what people say...from what I have read, bonds are attractive if you think rates will be meaningfully lower in the future (or if you are in retirement and want that yield). In the current situation, it looks like the Fed won't be able to meaningfully cut or raise the rates (sticky inflation, and high government debt issuance) for the foreseeable future (hence yields rising as much as it has). Add demand dropping for bonds, and it goes even more against your thesis or low rates in the future. Also, Bank of America has no obligation to buy BAC-PRQ back at $25.00. They will only call the shares if they can issu*e* new preferred shares at a lower interest rate...which means lower than the 4.25% they borrowed at in 2021....which with the premium preferred stock carry, is more like a 2-3% fed fund rate. Answer: Yields would have to go much higher to start attracting equity investors.

Mentions:#BAC

2QuarterDollar

Last month - 5, 7:14 AM•r/smallstreetbets See CommentSee Original Comment

He needs to find a new gimmick a new narrative. Last year it was tariffs, then Iran, now it looks like he wants to play a game with the Fed. But the midterms are also coming up so I can see him attacking banks again because of high interest rates (tickers: COF, SYF, JPM BAC) he might attack or praise a specific regional bank as well. That’s were the options plays could be short term. He might also play a game with big pharma cause TrumpRx is not really taking off. And the insurance claimers like UNH, CNC, Humana might catch a stray here and there before the midterms

Mentions:#COF #SYF #JPM #BAC #UNH #CNC

YaDunGoofed

Last month - 4, 12:55 PM•r/investing See CommentSee Original Comment

I had 3k in Tesla at a market cap of 3b. I had 6k in BAC when it cost $5 I had 5k in Apple when its market cap was in the 200-300b range I only had 20k, so that was an educational opportunity cost. I have 0k of that left because I spent it all

Mentions:#BAC

SteakEater137

Last month - 2, 2:36 PM•r/wallstreetbets See CommentSee Original Comment

Ah yes, BAC finally pumping based on news that its joining with other banks to make a "stablecoin" pegged to the US dollar. I was just thinking that we need another redundant version of the dollar that's more expensive. Seeing how high inflation is, I have no doubt whatsoever that this stablecoin will have an excellent return on investment. Who wouldnt want to invest money into something that at best is just worth the currency you already use?

Mentions:#BAC

MrNo_Balls

Last month - 1, 8:30 PM•r/wallstreetbets See CommentSee Original Comment

So BAC executive got murked, what does that mean for my BAC stock?

Mentions:#BAC

kim82352

Last month - 1, 2:44 PM•r/wallstreetbets See CommentSee Original Comment

> $BAC | Bank Of America Vice President Killed In Times Square Stabbing -

Mentions:#BAC

panda_sauce

Last month - 22, 10:16 PM•r/stocks See CommentSee Original Comment

This goes much deeper, but TL;DR: * They're growing revenue over +100%/year with a 55% profit margin. * The market is mostly pricing them as a lender, not a marketplace. But, as of the Q2 earnings, more than 50% of revenue now comes from capital-light marketplace fees. * For the vast majority of the lending book crossing the marketplace: * They don't pay for marketing (their partners do). * They don't fund the loan (their partners do). * They don't buy the loan on the backend (their partners do). * The purchase market is frozen below 2008 transaction levels: * People don't want to lose their current low-interest rate loans and inflationary pressures are building from AI capex, the Iran war, and Treasury debt worries. * In this environment, HELOCs have massive tailwinds, because they allow people to tap their significant home equity without losing their low-interest mortgage rates. * The market is pricing a terminal (future) HELOC market share below where they were 2 months ago - and the rate of market share capture is *increasing*. * The only "sell" analyst rating is from a direct competitor (BAC), who also very likely just saw FIGR overtake them in market share (BAC won't report their figures until the end of the year; FIGR self-reports public weekly numbers which are third-party verifiable). * If you're a technicals person, the share price just closed above the 200-SMA; you missed the early bounce, but we're now in "confirmation" territory. My own model (that I've been building + tuning for months) is targeting a \~$88 share price, primarily limited on hitting limits on backend capital availability: |Case|What has to break|Value|Weight| |:-|:-|:-|:-| |Acceleration|nothing breaks, funding just scales|$253|7%| |Bull|funding ceiling is high, ramp normalizes|$187|24%| |**Base**|**distribution limits reached**|**$88**|**43%**| |Bear|pricing compresses + de-rate|$27|20%| |Tail|regulators recharacterize the product|$6|6%| (Note that the "tail" case here is basically the risk that regulators change all the rules around how the HELOC market works in a way that shatters the business - extremely unlikely, but included for due diligence; FIGR is also already diversifying the business.) I hold a significant long position. Happy to go deeper into the mechanics of *why* FIGR's marketplace works so efficiently that it's attracting 100+ new partners a quarter; it takes some explaining of how funding of the entire housing market works.

Mentions:#BAC #FIGR #SMA

Delicious_Put_5857

Last month - 21, 4:49 PM•r/wallstreetbets See CommentSee Original Comment

my BAC

Mentions:#BAC

Gunk_Olgidar

Last month - 17, 9:20 AM•r/investing See CommentSee Original Comment

I don't know of any AI bots that format this way or use grammar like this. But the the one sentence paragraphs make it harder to read, not easier. Grouping your concepts into paragraphs will make it easier to follow your thoughs. NVDA doesn't want to be in the data center business, which has awful ROI. Huang role is to hype up the cash train to fund the DCs so there's more customers buying his products. And last Friday he was trying to redefine his 3-4 year service life products as a "utility" in a lame attempt to get underwriters to reclassify the assets for longer service life. Ain't gonna happen, which is why you likely won't hear any more of that BS. And his latest ploy was for only 500B with 1T already "spent" in the AI DC bubble. Huang's bargaining/begging means the big Wall Street credit market is tapped out until the bills start getting paid, unless the asset class rules are re-written. And that's bloody unlikely. With bond rates rising, the cost of money is already pulling back on the reigns. So only retail bag holders are left to fund the hype -- which ain't much. It's certainly not going to get them to the 5T numbers they were throwing around. The monthly payment on a 1.5T is 2.2% per month for a data center, or $33B per month. That's just over $4 per person on the planet on average. And there aren't that many folks paying for AI services at all, much less enough to cover $33B/mo, which doesn't count the rest of the revenue needed to cover all the other costs of doing business, which will be at least another $2 pp/mo. Yes there are a lot of parallels to the setup of the Y2K bubble, which unlike this AI thing had a very clear and obvious horizon of 1/1/00. Cash was infinite in the late 1990s. Tech companies could not spend Wall Street's cash fast enough. It was drinking from a firehose. Then the water got shut off 3 months later in March 2020. But it took another 2 quarters of gathering bag holders before the market got rug pulled. Lived through that one first hand. Made a lot of money selling early in 2000 and then buying the dip in 2003. That obvious "end of Y2K" was obvious given the date and that everyone and their brother had spend their next 5 years of IT budgets already, so getting out of tech was the obvious play. The overnight market crash didn't happen in 2007-2009 with CDOs either, even though the "Margin call" trigger event was abrupt for Wall Street and those who sold Burry their shorts. The Big Short multi-mortgage-liar-loan thing was all very real where I live, so it was very easy (for me) to see it coming. Sold in Q4 2007 and bought back in March 2009 when BAC was too big to fail at $1.91/share. But that also took 20 months to bear out. When the useful idiots at OpenAI delayed their IPO, that was your first early sign of the AI top. And June was your first dip that followed. What happens going forward will depend on how well the first 1T of capex gets paid off. So keep an eye on whether it's via AI business revenue, or ponzi-borrowing. Wall Street can typically cover bad news for a couple quarters, but then even they run out of money.

Mentions:#NVDA #DC #BAC

DoubleFamous5751

Last month - 16, 3:48 AM•r/wallstreetbets See CommentSee Original Comment

Lololol why tf is PFE and BAC there?

Mentions:#PFE #BAC

m0n3yF4nM4n

Last month - 15, 2:57 AM•r/investing See CommentSee Original Comment

Did similarly. As a one-time traveling competitive gamer (CS/SC2/WC3) that'd lug my custom PC to tourneys and such, while being a broke teen that didn't come from means - my shit never had celeron/pentium/or i series (got out the game right as those took over) cpus with a GeForce, nah - I rocked K6s and Radeon 6-9000s. Easy to overclock & didn't break the bank so I could splurge on maxing out ram. Fast forward to 2015, sitting in my lame ass (yet very steady paying) cubicle gov gig stamping papers, I decided it was time to actively invest. My uncle who's been my sensei in all things life since the get taught me not to overthink shit and either invest in broad funds or to just "buy what you know", so naturally started my portfolio with some telecom which clearly wasn't going anywhere, vzw and T were out my budget, so bought a bunch of sprint, why not - they were my carrier so felt right. Wanted exposure to banking, and JPM/WF were out my budget, but the bank I used at the time, BAC was affordable, especially once brexit happened and it fell to like 11 the day after. Withdrew every bit of cash I could, transferred as much as I could, and bought as much as I could with it that. Barclays as well. Felt like a logical thing to do. Article after article dropping daily about all the big auto manufacturers signing deals to advance the self-driving mission they were on, combined with IoT taking over every household appliance, it was pretty fucking clear chips were about to be in places other than my computer and servers. Intel was out the budget, plus was on like a decade long horizontal snooze fest and far from sexy, so naturally, I decided to check out the makers of my once-beloved athlons, and figured it was a no brainer. Su Bae seemed to be beloved by folk on various forums, there was buzz around upcoming projects, yet sitting at a couple bucks... Had another "fuck my savings account" moment my then GF was *not* a fan of, but fuck it - got my first round at $4.50. Shortly after it became clear I was not the only one with this idea, so got a second round at $6, another at $7, then another at $9, then $12. Did foolishly premi a bit and chose to sell a small chunk at $15 all proud of myself, but all good - did need some cash at the time, and can't change the past, but let the remaining \~900 or so ride. Yada yada yada - now my one-time "broke kids PC" athlon/radeon underdog darling is hovering around 5 bills. Tl;dr - sometimes there's a deal you feel is right and can't pass up on, just gotta take action. Worst case scenario, you learn a lesson that'd set you back a few k. Non worst case scenario, well, that couple grand goes 100x.

Mentions:#PC #JPM #WF #BAC #GF

cryptohorn

Last month - 14, 5:43 PM•r/wallstreetbets See CommentSee Original Comment

Is papa buffet finally gonna dump BAC. Find out today

Mentions:#BAC

Jericho3434

Last month - 14, 3:56 AM•r/wallstreetbets See CommentSee Original Comment

Financials have been killing it. BAC up over 35% last 52 weeks.

Mentions:#BAC

Successful_Car1670

Last month - 13, 8:32 PM•r/wallstreetbets See CommentSee Original Comment

The fact that there’s very little news for clicks telling me JPM or BAC are bearish tells me all I need to know

Mentions:#JPM #BAC

JackORoses

Last month - 13, 11:45 AM•r/wallstreetbets See CommentSee Original Comment

Gambler juices = a 1% BAC

Mentions:#BAC

Ok_Cry7572

Last month - 13, 3:41 AM•r/wallstreetbets See CommentSee Original Comment

BAC (BofA) went from $46 to $64 in a single quarter, the kind of rocket performance you'd expect from an AI stock, not the nation's second-largest bank! Up 40% since late May 2026. It all comes down to real rates, inflation, and expectations for future rate hikes.

Mentions:#BAC

threebboyz

Last month - 12, 11:36 PM•r/wallstreetbets See CommentSee Original Comment

Bought BAC $60 9/18p. I own 200 shares @ 19.54 but I have a feeling a little selloff is on the horizon...

Mentions:#BAC

cryptohorn

Last month - 12, 11:09 PM•r/wallstreetbets See CommentSee Original Comment

Holee shyt I just looked at BAC for the first time in a long time. I remember when they were gonna nationalize banks so bank stocks were close to $0. Better times.

Mentions:#BAC

wlaxboy1

Last month - 12, 6:41 PM•r/wallstreetbets See CommentSee Original Comment

do i sell a $1.86 BAC 9/18 call?

Mentions:#BAC

Last month - 12, 1:32 AM•r/wallstreetbets See CommentSee Original Comment

Leverage unwind is more painful than anything. Size of AI debt , Too Big to Fail ? At GFC-2008, $AIG Lehman, $BAC $C $MS $GS struggled to survive in 2008. “Situational Awareness “ blow up $45 Billion for leverage. All datacenter on debt load is worse than CDO of CDO Look market cap of semi and many cash burning Zombies or even all semi. $SPY $QQQ $SMH $MU $NVDA https://preview.redd.it/ikjp07kvkuih1.png?width=752&format=png&auto=webp&s=fb5597e1e9465f40af3f2a0fcea2edd0587705e7

Mentions:#AIG #BAC #MS #GS #SPY #QQQ #SMH #MU #NVDA

2 months ago - Aug 7, 3:29 PM•r/wallstreetbets See CommentSee Original Comment

Situational Awareness hedge fund liquidated all $45 Billion holdings. $GS $JPM $BAC big 3 prime broker moved together to raise cash, failed, liquidated. They did fast, before bank run like 2023, after $SIVB, $FRC, $CS

Mentions:#GS #JPM #BAC

h4ckerkn0wnas4chan

2 months ago - Aug 7, 9:51 AM•r/wallstreetbets See CommentSee Original Comment

I mean I can always just hold onto them, I already broke even with the first sell so my VXX can patiently wait another few months. I just don't want to miss out on a higher return like I did with my BAC when I sold it in May after buying in of April last year.

Mentions:#VXX #BAC

Capable-Commission-3

2 months ago - Aug 6, 3:52 AM•r/wallstreetbets See CommentSee Original Comment

Analysts at major firms post their ratings and price targets every few months. Could be JPM, BAC, MS, Bernsteins, among others. Analyst ratings mean little generally. Maybe gives you a vague idea of the company outlook. But the way Robinhood presents it, it’s useless. Those ratings could be a year old and irrelevant. StockAnalysis.com does a better job presenting the info. Gives the average analyst estimates for revenue/earnings/free cash flow in the coming quarters/years. That’s what’s most useful. Also the specific analyst, price targets, and dates posted.

Mentions:#JPM #BAC #MS

2 months ago - Aug 5, 7:00 PM•r/wallstreetbets See CommentSee Original Comment

Situational Awareness hedge fund liquidated all $45 Billion holdings. $GS $JPM $BAC big 3 prime broker moved together to raise cash, failed, liquidated. Its holdings $BE $SNDK $CRWV $IREN $CORZ $SKHY $NBIS & many semi. when GS, JPM, BAC prime broker couldn’t save 45 Billion hedge fund Do you think they save Trillion crash of NVDA ?

Mentions:#GS #JPM #BAC #SNDK #CRWV #IREN #CORZ #SKHY #NBIS #NVDA

lysergicjackboi

2 months ago - Aug 4, 4:02 PM•r/wallstreetbets See CommentSee Original Comment

short BAC

Mentions:#BAC

lysergicjackboi

2 months ago - Aug 4, 4:02 PM•r/wallstreetbets See CommentSee Original Comment

BAC short

Mentions:#BAC

Swearwolfofwallst

2 months ago - Aug 4, 12:52 AM•r/wallstreetbets See CommentSee Original Comment

All we need is one of the dino fucking banks like WFC, BAC to realize they still can't make a website or mobile app anyone can tolerate under 40 years old and just buy Sofi. What are they at, 15m customers? It's pretty crazy WFC has 40m customers, BAC 70m, granted theirs will generally be more boomer-y probably with more money but those demographics will change in the next 10 years. Either that or for SoFi to get federal student loan admin contract. 2025 hype? I'm still hoping for 2020 hype...

Mentions:#WFC #BAC

Due_Marsupial_969

2 months ago - Jul 31, 9:33 PM•r/investing See CommentSee Original Comment

Also problematic is the fact that it's not something the market doesn't know. Guys like me aren't exactly balls deep in these hail Mary stocks cuz I think AI and tech will not be printing money versus QQQ or VOO or BAC in 5 years.

Mentions:#QQQ #VOO #BAC

Fauster

2 months ago - Jul 30, 7:41 PM•r/stocks See CommentSee Original Comment

Because Goldman, JPM, BAC, all gave it to him. I'm sure he'll use the language of Long Term Capital Management, run by Nobel-winning profs, who said it was a six-sigma event. I mean, what are the chances that Russian markets could collapse at the same time as the Ruble? Inconceivable! What are the odds that IGV could rally (the funding source for SMH this year) at the same time semis could crash? He's got a balanced book guys. He is hedged. He won a math prize. Give him 4x margin!

Mentions:#JPM #BAC #IGV #SMH

Icy_Instruction_7400

2 months ago - Jul 30, 10:06 AM•r/wallstreetbets See CommentSee Original Comment

Banking and chip stocks like BAC, rtx, appl are doing well. Let’s just ignore gold man sacks tho

Mentions:#BAC

Itchy_Pudding_9940

2 months ago - Jul 29, 3:16 PM•r/stocks See CommentSee Original Comment

trickle buying AMD and DELL.. IBM.. heavily beaten down tech. long on GOOG and BAC. FANG and VLO on dips. buying QQQ in blocks.. it's 9 or 10% from all time high and historically always goes back to ATH so a pretty safe bet

Mentions:#AMD #DELL #IBM #GOOG #BAC #FANG #VLO #QQQ

Sufficient_Habit5091

2 months ago - Jul 25, 6:35 PM•r/wallstreetbets See CommentSee Original Comment

So say I JPM make a loan to you for $10k. Yes I digitally print that money into your checking account. But once you actually SPEND that money and pay a contractor let's say, it has to show up on *their* account say at BAC. To do that you have to subtract from JPM's account at the Fed. Makes sense?

Mentions:#JPM #BAC

SomePolack

2 months ago - Jul 19, 10:01 PM•r/wallstreetbets See CommentSee Original Comment

Does pissing lower BAC SEARCH

Mentions:#BAC

brucekeller

2 months ago - Jul 17, 12:44 AM•r/wallstreetbets See CommentSee Original Comment

I bought $15k worth of calls at SPX \~670 and they were calls on mostly banking stuff, C, BAC, FAS etc. I sold 2 days later for a meager profit. The calls were 2 months out. A lot of those stocks tripled or quadrupled in 2 months. I try not to think about how much money that would have turned into... options were also a lot cheaper back then. Easily $1m play I think. :\\

Mentions:#BAC #FAS

2 months ago - Jul 16, 4:19 PM•r/wallstreetbets See CommentSee Original Comment

Or BAC if you have to invest

Mentions:#BAC

2 months ago - Jul 16, 11:19 AM•r/wallstreetbets See CommentSee Original Comment

I like BAC, it's so stress free

Mentions:#BAC

orcassharks

2 months ago - Jul 14, 6:27 PM•r/wallstreetbets See CommentSee Original Comment

That’s like having C, BAC, LEH, WM as your entire portfolio during the Financial Crisis. Full disclosure I’m an ORCL bag holder but at $136 entry lol.

Mentions:#BAC #ORCL

octopus_serenader

2 months ago - Jul 14, 3:45 PM•r/wallstreetbets See CommentSee Original Comment

Wtf GS JPM and BAC get a pump but Citigroup drills?

Mentions:#GS #JPM #BAC

empty-bensen

2 months ago - Jul 14, 3:12 PM•r/wallstreetbets See CommentSee Original Comment

Glad I was bullish on BAC in May. Just needs to stay high and generate bags from the dividends.

Mentions:#BAC

L0pat0

2 months ago - Jul 14, 11:17 AM•r/wallstreetbets See CommentSee Original Comment

JPM and BAC both with definitive beats but both down. I’m blaming IBM for some reason

Mentions:#JPM #BAC #IBM

No_Zookeepergame_27

2 months ago - Jul 14, 11:12 AM•r/wallstreetbets See CommentSee Original Comment

Algos selling BAC and JPM despite their beats.

Mentions:#BAC #JPM

theJimmybob

2 months ago - Jul 14, 10:25 AM•r/wallstreetbets See CommentSee Original Comment

Do this long enough to know that this has probably never happened... seeing $JPM , $WFC , $BAC , $C , $GS all report earnings this morning

Mentions:#JPM #WFC #BAC #GS

2 months ago - Jul 14, 1:50 AM•r/wallstreetbets See CommentSee Original Comment

$ORCL it was $1 Trillion, 6 months back. Even this price was before AI data center push by more GPU demand spike. Same for $MSFT 555 to 390. Life without internet Life without smartphones Life without AI, impossible $GOOG $AMZN $META $NVDA $MU $BAC $WFC $JPM all adopt AI.

Mentions:#ORCL #MSFT #GOOG #AMZN #NVDA #MU #BAC #WFC #JPM

fartificial_degen

2 months ago - Jul 13, 11:06 PM•r/wallstreetbets See CommentSee Original Comment

what I meant is that I expect BAC, CITI, GS, WFC, JPM stocks to be down by 2-5% before Friday regardless of how the earnings go. oh and HSBC.

Mentions:#BAC #GS #WFC #JPM #HSBC

itsnotshade

2 months ago - Jul 13, 7:28 PM•r/wallstreetbets See CommentSee Original Comment

Surprised you didn’t go for BAC. They’re probably the only ones not mixed up in private credit, which is pretty much a ticking time bomb considering where rates are headed (flat) as refinancing comes due. I’m always big on banks leading up to earnings but they seem to be lousy during the actual calls, despite them always posting winning numbers every time.

Mentions:#BAC

Independent-Egg9086

2 months ago - Jul 12, 8:39 PM•r/wallstreetbets See CommentSee Original Comment

This week earnings: Bank of America (BAC) and JPMorgan Chase (JPM): Both report before the market opens on July 14. Tuesday, July 14, 2026: Aehr Test Systems (AEHR) July 15, 2026: ASML Holding (ASML) July 16, 2026: Taiwan Semiconductor (TSMC)

Mentions:#BAC #JPM #AEHR #ASML

ImpressionAny1078

3 months ago - Jul 12, 1:32 PM•r/stocks See CommentSee Original Comment

if you're thinking about selling puts or covered calls on any of the big banks right now, just remember earnings are right around the corner for JPM, BAC, GS etc. the premium is bloated for a reason. not saying don't trade it, but size down or go shorter duration so you're not holding through the print if it goes sideways.

Mentions:#JPM #BAC #GS

Mysterious-Device-53

3 months ago - Jul 11, 3:42 AM•r/wallstreetbets See CommentSee Original Comment

I'm probably an alcoholic by definition, but I guarantee I only get better with BAC I know this is not every case

Mentions:#BAC

AnotherNOP

3 months ago - Jul 9, 10:41 AM•r/stocks See CommentSee Original Comment

I would check out Berkshire Hathaway's holdings. They are always solid. **Top 9 holdings by portfolio weight:** |Ticker|Holding|% of Portfolio|Value| |:-|:-|:-|:-| |AAPL|Apple|21.99%|$57.8B| |AXP|American Express|17.43%|$45.9B| |KO|Coca-Cola|11.56%|$30.4B| |BAC|Bank of America|9.52%|$25.0B| |CVX|Chevron|6.64%|$17.5B| |OXY|Occidental Petroleum|6.55%|$17.2B| |GOOGL|Alphabet Class A|5.93%|$15.6B| |CB|Chubb|4.24%|$11.2B| |MCO|Moody's|4.09%|$10.8B| ||

Mentions:#AAPL #AXP #KO #BAC #CVX #OXY #GOOGL #CB #MCO

MsHathaway

3 months ago - Jul 8, 1:11 PM•r/stocks See CommentSee Original Comment

ECB ad UCB are 2 favs but wait for a pullback. I always buy the lows, when everything else is down banks will survive. Of course BAC and BNY too,

Mentions:#UCB #BAC #BNY

3 months ago - Jul 7, 5:03 PM•r/wallstreetbets See CommentSee Original Comment

BAC and relax

Mentions:#BAC

3 months ago - Jul 7, 3:25 PM•r/wallstreetbets See CommentSee Original Comment

Soon big banks and BigTech give strong earnings Looking great Q2 earnings by many big banks $C $JPM $WFC $BAC $GS $MS space all in $XLF. All big tech in $QQQ $SPX $NDX will give strong earnings, followed by big buybacks. Whole semiconductor sector $SMH $AMAT $ASML & many got a big boost from earnings spike

Mentions:#JPM #WFC #BAC #GS #MS #XLF #QQQ #SMH #AMAT #ASML