Bank of America (BAC)
As of Oct 23, 2026, Kalshi and Polymarket have settled 112 word markets on Bank of America’s earnings calls since 2025, on 57 different words; most reliably said: “Tariff” (3 of 5). Next call: Jan 15, 2027 (14 words listed).
Next: Earnings call ·
14 words listed · Occasion page
Who counts: Kalshi: company speakers + operator
Kalshi| Word | Q4’24Jan '25 | Q1’25Apr '25 | Q2’25Jul '25 | Q3’25Oct '25 | Q4’25year ago | Q1’26Apr '26 | Q2’26Jul '26 | Q3’26last call | Trend | Last 8 | Scripted | All-time | Probability | Market |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AI / Artificial Intelligence | 0 times: AI / Artificial Intelligence, Q4’24 Jan '25 | 2 times: AI / Artificial Intelligence, Q1’25 Apr '25, counts as said | 18 times: AI / Artificial Intelligence, Q2’25 Jul '25, counts as said | 7 times: AI / Artificial Intelligence, Q3’25 Oct '25, counts as said | 10 times: AI / Artificial Intelligence, Q4’25 Jan '26, counts as said | 11 times: AI / Artificial Intelligence, Q1’26 Apr '26, counts as said | 23 times: AI / Artificial Intelligence, Q2’26 Jul '26, counts as said | 12 times: AI / Artificial Intelligence, Q3’26 Oct '26, counts as said | rising | 7/888% | 6/875% | 23/7630% | 95%n=1+tx from settlement history blended with transcripts | 91¢ Kalshi |
| Inflation | 0 times: Inflation, Q4’24 Jan '25 | 7 times: Inflation, Q1’25 Apr '25, counts as said | 4 times: Inflation, Q2’25 Jul '25, counts as said | 2 times: Inflation, Q3’25 Oct '25, counts as said | 2 times: Inflation, Q4’25 Jan '26, counts as said | 7 times: Inflation, Q1’26 Apr '26, counts as said | 1 time: Inflation, Q2’26 Jul '26, counts as said | 3 times: Inflation, Q3’26 Oct '26, counts as said | steady | 7/888% | 5/862% | 25/7633% | 88%n=4+tx from settlement history blended with transcripts | 89¢ Kalshi |
| Erica | 1 time: Erica, Q4’24 Jan '25, counts as said | 2 times: Erica, Q1’25 Apr '25, counts as said | 7 times: Erica, Q2’25 Jul '25, counts as said | 4 times: Erica, Q3’25 Oct '25, counts as said | 6 times: Erica, Q4’25 Jan '26, counts as said | 2 times: Erica, Q1’26 Apr '26, counts as said | 1 time: Erica, Q2’26 Jul '26, counts as said | 2 times: Erica, Q3’26 Oct '26, counts as said | steady | 8/8100% | 6/875% | 32/7642% | 87%n=1+tx from settlement history blended with transcripts | 62¢ Kalshi |
| Pipeline | 0 times: Pipeline, Q4’24 Jan '25 | 1 time: Pipeline, Q1’25 Apr '25, counts as said | 0 times: Pipeline, Q2’25 Jul '25 | 3 times: Pipeline, Q3’25 Oct '25, counts as said | 2 times: Pipeline, Q4’25 Jan '26, counts as said | 1 time: Pipeline, Q1’26 Apr '26, counts as said | 2 times: Pipeline, Q2’26 Jul '26, counts as said | 6 times: Pipeline, Q3’26 Oct '26, counts as said | rising | 6/875% | 4/850% | 42/7655% | 85%n=4+tx from settlement history blended with transcripts | 88¢ Kalshi |
| Merrill | 6 times: Merrill, Q4’24 Jan '25, counts as said | 4 times: Merrill, Q1’25 Apr '25, counts as said | 0 times: Merrill, Q2’25 Jul '25 | 4 times: Merrill, Q3’25 Oct '25, counts as said | 3 times: Merrill, Q4’25 Jan '26, counts as said | 1 time: Merrill, Q1’26 Apr '26, counts as said | 3 times: Merrill, Q2’26 Jul '26, counts as said | 2 times: Merrill, Q3’26 Oct '26, counts as said | falling | 7/888% | 6/875% | 71/7693% | 84%n=2+tx from settlement history blended with transcripts | 90¢ Kalshi |
| Delinquency | 0 times: Delinquency, Q4’24 Jan '25 | 3 times: Delinquency, Q1’25 Apr '25, counts as said | 0 times: Delinquency, Q2’25 Jul '25 | 2 times: Delinquency, Q3’25 Oct '25, counts as said | 3 times: Delinquency, Q4’25 Jan '26, counts as said | 1 time: Delinquency, Q1’26 Apr '26, counts as said | 2 times: Delinquency, Q2’26 Jul '26, counts as said | 1 time: Delinquency, Q3’26 Oct '26, counts as said | steady | 6/875% | 6/875% | 63/7683% | 80%n=4+tx from settlement history blended with transcripts | 90¢ Kalshi |
| Hike / Hiked | 0 times: Hike / Hiked, Q4’24 Jan '25 | 0 times: Hike / Hiked, Q1’25 Apr '25 | 0 times: Hike / Hiked, Q2’25 Jul '25 | 0 times: Hike / Hiked, Q3’25 Oct '25 | 0 times: Hike / Hiked, Q4’25 Jan '26 | 0 times: Hike / Hiked, Q1’26 Apr '26 | 5 times: Hike / Hiked, Q2’26 Jul '26, counts as said | 3 times: Hike / Hiked, Q3’26 Oct '26, counts as said | rising | 2/825% | 1/812% | 20/7626% | 70%n=1+tx from settlement history blended with transcripts | 86¢ Kalshi |
| Rate Cut / Cut Rate | 5 times: Rate Cut / Cut Rate, Q4’24 Jan '25, counts as said | 4 times: Rate Cut / Cut Rate, Q1’25 Apr '25, counts as said | 1 time: Rate Cut / Cut Rate, Q2’25 Jul '25, counts as said | 6 times: Rate Cut / Cut Rate, Q3’25 Oct '25, counts as said | 5 times: Rate Cut / Cut Rate, Q4’25 Jan '26, counts as said | 4 times: Rate Cut / Cut Rate, Q1’26 Apr '26, counts as said | 1 time: Rate Cut / Cut Rate, Q2’26 Jul '26, counts as said | 0 times: Rate Cut / Cut Rate, Q3’26 Oct '26 | falling | 7/888% | 6/875% | 16/7621% | 69%n=2+tx from settlement history blended with transcripts | 29¢ Kalshi |
| Buyback / Buy Back | 2 times: Buyback / Buy Back, Q4’24 Jan '25, counts as said | 5 times: Buyback / Buy Back, Q1’25 Apr '25, counts as said | 1 time: Buyback / Buy Back, Q2’25 Jul '25, counts as said | 0 times: Buyback / Buy Back, Q3’25 Oct '25 | 0 times: Buyback / Buy Back, Q4’25 Jan '26 | 2 times: Buyback / Buy Back, Q1’26 Apr '26, counts as said | 0 times: Buyback / Buy Back, Q2’26 Jul '26 | 2 times: Buyback / Buy Back, Q3’26 Oct '26, counts as said | falling | 5/862% | 0/80% | 34/7645% | 68%n=1+tx from settlement history blended with transcripts | 57¢ Kalshi |
| Agentic | 0 times: Agentic, Q4’24 Jan '25 | 0 times: Agentic, Q1’25 Apr '25 | 0 times: Agentic, Q2’25 Jul '25 | 0 times: Agentic, Q3’25 Oct '25 | 0 times: Agentic, Q4’25 Jan '26 | 1 time: Agentic, Q1’26 Apr '26, counts as said | 1 time: Agentic, Q2’26 Jul '26, counts as said | 1 time: Agentic, Q3’26 Oct '26, counts as said | rising | 3/838% | 1/812% | 3/764% | 59%n=1+tx from settlement history blended with transcripts | 72¢ Kalshi |
| Tariff | 0 times: Tariff, Q4’24 Jan '25 | 7 times: Tariff, Q1’25 Apr '25, counts as said | 1 time: Tariff, Q2’25 Jul '25, counts as said | 2 times: Tariff, Q3’25 Oct '25, counts as said | 4 times: Tariff, Q4’25 Jan '26, counts as said | 2 times: Tariff, Q1’26 Apr '26, counts as said | 0 times: Tariff, Q2’26 Jul '26 | 0 times: Tariff, Q3’26 Oct '26 | falling | 5/862% | 4/850% | 5/767% | 53%n=5+tx from settlement history blended with transcripts | 20¢ Kalshi |
| Iran / Middle East | 0 times: Iran / Middle East, Q4’24 Jan '25 | 0 times: Iran / Middle East, Q1’25 Apr '25 | 0 times: Iran / Middle East, Q2’25 Jul '25 | 0 times: Iran / Middle East, Q3’25 Oct '25 | 0 times: Iran / Middle East, Q4’25 Jan '26 | 3 times: Iran / Middle East, Q1’26 Apr '26, counts as said | 1 time: Iran / Middle East, Q2’26 Jul '26, counts as said | 0 times: Iran / Middle East, Q3’26 Oct '26 | rising | 2/825% | 1/812% | 3/764% | 35%n=1+tx from settlement history blended with transcripts | 30¢ Kalshi |
| Trump / President | 1 time: Trump / President, Q4’24 Jan '25, counts as said | 0 times: Trump / President, Q1’25 Apr '25 | 0 times: Trump / President, Q2’25 Jul '25 | 0 times: Trump / President, Q3’25 Oct '25 | 0 times: Trump / President, Q4’25 Jan '26 | 1 time: Trump / President, Q1’26 Apr '26, counts as said | 0 times: Trump / President, Q2’26 Jul '26 | 0 times: Trump / President, Q3’26 Oct '26 | steady | 2/825% | 1/812% | 31/7641% | 21%n=2+tx from settlement history blended with transcripts | 8¢ Kalshi |
| Jionever said | 0 times: Jio, Q4’24 Jan '25 | 0 times: Jio, Q1’25 Apr '25 | 0 times: Jio, Q2’25 Jul '25 | 0 times: Jio, Q3’25 Oct '25 | 0 times: Jio, Q4’25 Jan '26 | 0 times: Jio, Q1’26 Apr '26 | 0 times: Jio, Q2’26 Jul '26 | 0 times: Jio, Q3’26 Oct '26 | steady | 0/80% | 0/80% | 0/760% | 17%transcripts from the transcript model | 36¢ Kalshi |
- times said on that call
- counted as said (ring)
- no call
- probability next time, with n
- Select a word or a cell for its quotes
What the columns mean
- Last N
- of the appearances shown, how many counted as said
- Trend
- how the count moved over these calls
- Scripted
- calls of the last 8 where it was said in the prepared remarks
- All-time
- every call on file
- Probability
- the calibrated probability for the next listing; n is the settled observations behind it when it was computed, '+tx' adds the transcripts, 'new' means too little history
Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 20, 2026 15:46 UTC.
Every word
1–40 of 47, most settled first · page 1 of 2| Word | Q4’24Jan '25 | Q1’25Apr '25 | Q2’25Jul '25 | Q3’25Oct '25 | Q4’25Jan '26 | Q1’26Apr '26 | Q2’26Jul '26 | Q3’26last call | Trend | Last 8 | Scripted | All-time | Probability |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Recession | 0 times: Recession, Q4’24 Jan '25 | 8 times: Recession, Q1’25 Apr '25, counts as said | 1 time: Recession, Q2’25 Jul '25, counts as said | 0 times: Recession, Q3’25 Oct '25 | 0 times: Recession, Q4’25 Jan '26 | 0 times: Recession, Q1’26 Apr '26 | 0 times: Recession, Q2’26 Jul '26 | 0 times: Recession, Q3’26 Oct '26 | falling | 2/825% | 2/825% | 30/7639% | 14%n=5+tx from settlement history blended with transcripts |
| Buyback | 2 times: Buyback, Q4’24 Jan '25, counts as said | 5 times: Buyback, Q1’25 Apr '25, counts as said | 1 time: Buyback, Q2’25 Jul '25, counts as said | 0 times: Buyback, Q3’25 Oct '25 | 0 times: Buyback, Q4’25 Jan '26 | 2 times: Buyback, Q1’26 Apr '26, counts as said | 0 times: Buyback, Q2’26 Jul '26 | 2 times: Buyback, Q3’26 Oct '26, counts as said | falling | 5/862% | 0/80% | 34/7645% | 54%n=4+tx from settlement history blended with transcripts |
| Margin | 3 times: Margin, Q4’24 Jan '25, counts as said | 0 times: Margin, Q1’25 Apr '25 | 0 times: Margin, Q2’25 Jul '25 | 3 times: Margin, Q3’25 Oct '25, counts as said | 5 times: Margin, Q4’25 Jan '26, counts as said | 4 times: Margin, Q1’26 Apr '26, counts as said | 3 times: Margin, Q2’26 Jul '26, counts as said | 2 times: Margin, Q3’26 Oct '26, counts as said | rising | 6/875% | 6/875% | 68/7689% | 86%n=3+tx from settlement history blended with transcripts |
| CashPro | 1 time: CashPro, Q4’24 Jan '25, counts as said | 1 time: CashPro, Q1’25 Apr '25, counts as said | 2 times: CashPro, Q2’25 Jul '25, counts as said | 0 times: CashPro, Q3’25 Oct '25 | 1 time: CashPro, Q4’25 Jan '26, counts as said | 0 times: CashPro, Q1’26 Apr '26 | 0 times: CashPro, Q2’26 Jul '26 | 0 times: CashPro, Q3’26 Oct '26 | falling | 4/850% | 4/850% | 16/7621% | 29%n=3+tx from settlement history blended with transcripts |
| Oil | 0 times: Oil, Q4’24 Jan '25 | 0 times: Oil, Q1’25 Apr '25 | 0 times: Oil, Q2’25 Jul '25 | 0 times: Oil, Q3’25 Oct '25 | 0 times: Oil, Q4’25 Jan '26 | 0 times: Oil, Q1’26 Apr '26 | 0 times: Oil, Q2’26 Jul '26 | 0 times: Oil, Q3’26 Oct '26 | steady | 0/80% | 0/80% | 11/7614% | 10%n=3+tx from settlement history blended with transcripts |
| Digital | 6 times: Digital, Q4’24 Jan '25, counts as said | 4 times: Digital, Q1’25 Apr '25, counts as said | 10 times: Digital, Q2’25 Jul '25, counts as said | 8 times: Digital, Q3’25 Oct '25, counts as said | 14 times: Digital, Q4’25 Jan '26, counts as said | 7 times: Digital, Q1’26 Apr '26, counts as said | 11 times: Digital, Q2’26 Jul '26, counts as said | 8 times: Digital, Q3’26 Oct '26, counts as said | rising | 8/8100% | 8/8100% | 47/7662% | 95%n=2+tx from settlement history blended with transcripts |
| Dividend | 3 times: Dividend, Q4’24 Jan '25, counts as said | 3 times: Dividend, Q1’25 Apr '25, counts as said | 2 times: Dividend, Q2’25 Jul '25, counts as said | 2 times: Dividend, Q3’25 Oct '25, counts as said | 3 times: Dividend, Q4’25 Jan '26, counts as said | 4 times: Dividend, Q1’26 Apr '26, counts as said | 1 time: Dividend, Q2’26 Jul '26, counts as said | 5 times: Dividend, Q3’26 Oct '26, counts as said | steady | 8/8100% | 8/8100% | 73/7696% | 89%n=2+tx from settlement history blended with transcripts |
| Rate Cut | 5 times: Rate Cut, Q4’24 Jan '25, counts as said | 4 times: Rate Cut, Q1’25 Apr '25, counts as said | 1 time: Rate Cut, Q2’25 Jul '25, counts as said | 6 times: Rate Cut, Q3’25 Oct '25, counts as said | 5 times: Rate Cut, Q4’25 Jan '26, counts as said | 4 times: Rate Cut, Q1’26 Apr '26, counts as said | 1 time: Rate Cut, Q2’26 Jul '26, counts as said | 0 times: Rate Cut, Q3’26 Oct '26 | falling | 7/888% | 6/875% | 16/7621% | 79%n=2+tx from settlement history blended with transcripts |
| Basel 3 | 1 time: Basel 3, Q4’24 Jan '25, counts as said | 0 times: Basel 3, Q1’25 Apr '25 | 0 times: Basel 3, Q2’25 Jul '25 | 0 times: Basel 3, Q3’25 Oct '25 | 0 times: Basel 3, Q4’25 Jan '26 | 5 times: Basel 3, Q1’26 Apr '26, counts as said | 0 times: Basel 3, Q2’26 Jul '26 | 0 times: Basel 3, Q3’26 Oct '26 | rising | 2/825% | 1/812% | 33/7643% | 44%n=2+tx from settlement history blended with transcripts |
| Iran | 0 times: Iran, Q4’24 Jan '25 | 0 times: Iran, Q1’25 Apr '25 | 0 times: Iran, Q2’25 Jul '25 | 0 times: Iran, Q3’25 Oct '25 | 0 times: Iran, Q4’25 Jan '26 | 0 times: Iran, Q1’26 Apr '26 | 1 time: Iran, Q2’26 Jul '26, counts as said | 0 times: Iran, Q3’26 Oct '26 | steady | 1/812% | 0/80% | 1/761% | 28%n=2+tx from settlement history blended with transcripts |
| M&A / Merger | 1 time: M&A / Merger, Q4’24 Jan '25, counts as said | 0 times: M&A / Merger, Q1’25 Apr '25 | 0 times: M&A / Merger, Q2’25 Jul '25 | 1 time: M&A / Merger, Q3’25 Oct '25, counts as said | 0 times: M&A / Merger, Q4’25 Jan '26 | 1 time: M&A / Merger, Q1’26 Apr '26, counts as said | 0 times: M&A / Merger, Q2’26 Jul '26 | 1 time: M&A / Merger, Q3’26 Oct '26, counts as said | steady | 4/850% | 2/825% | 50/7666% | 46%n=2+tx from settlement history blended with transcripts |
| World Cup | 0 times: World Cup, Q4’24 Jan '25 | 0 times: World Cup, Q1’25 Apr '25 | 0 times: World Cup, Q2’25 Jul '25 | 0 times: World Cup, Q3’25 Oct '25 | 1 time: World Cup, Q4’25 Jan '26, counts as said | 0 times: World Cup, Q1’26 Apr '26 | 1 time: World Cup, Q2’26 Jul '26, counts as said | 0 times: World Cup, Q3’26 Oct '26 | rising | 2/825% | 1/812% | 2/763% | 33%n=2+tx from settlement history blended with transcripts |
| AI / Artificial Intelligence5+ times | 0 times: AI / Artificial Intelligence 5+ times, Q4’24 Jan '25 | 2 times: AI / Artificial Intelligence 5+ times, Q1’25 Apr '25, below the threshold | 20 times: AI / Artificial Intelligence 5+ times, Q2’25 Jul '25, counts as said | 14 times: AI / Artificial Intelligence 5+ times, Q3’25 Oct '25, counts as said | 13 times: AI / Artificial Intelligence 5+ times, Q4’25 Jan '26, counts as said | 20 times: AI / Artificial Intelligence 5+ times, Q1’26 Apr '26, counts as said | 27 times: AI / Artificial Intelligence 5+ times, Q2’26 Jul '26, counts as said | 18 times: AI / Artificial Intelligence 5+ times, Q3’26 Oct '26, counts as said | rising | 6/875% | 3/838% | 9/7612% | 83%n=1+tx from settlement history blended with transcripts |
| Commercial Real Estate | 4 times: Commercial Real Estate, Q4’24 Jan '25, counts as said | 2 times: Commercial Real Estate, Q1’25 Apr '25, counts as said | 1 time: Commercial Real Estate, Q2’25 Jul '25, counts as said | 4 times: Commercial Real Estate, Q3’25 Oct '25, counts as said | 3 times: Commercial Real Estate, Q4’25 Jan '26, counts as said | 1 time: Commercial Real Estate, Q1’26 Apr '26, counts as said | 0 times: Commercial Real Estate, Q2’26 Jul '26 | 3 times: Commercial Real Estate, Q3’26 Oct '26, counts as said | falling | 7/888% | 6/875% | 58/7676% | 78%n=1+tx from settlement history blended with transcripts |
| Consecutive | 1 time: Consecutive, Q4’24 Jan '25, counts as said | 3 times: Consecutive, Q1’25 Apr '25, counts as said | 5 times: Consecutive, Q2’25 Jul '25, counts as said | 5 times: Consecutive, Q3’25 Oct '25, counts as said | 6 times: Consecutive, Q4’25 Jan '26, counts as said | 2 times: Consecutive, Q1’26 Apr '26, counts as said | 8 times: Consecutive, Q2’26 Jul '26, counts as said | 4 times: Consecutive, Q3’26 Oct '26, counts as said | rising | 8/8100% | 8/8100% | 52/7668% | 91%n=1+tx from settlement history blended with transcripts |
| Efficiency | 3 times: Efficiency, Q4’24 Jan '25, counts as said | 2 times: Efficiency, Q1’25 Apr '25, counts as said | 5 times: Efficiency, Q2’25 Jul '25, counts as said | 11 times: Efficiency, Q3’25 Oct '25, counts as said | 9 times: Efficiency, Q4’25 Jan '26, counts as said | 8 times: Efficiency, Q1’26 Apr '26, counts as said | 9 times: Efficiency, Q2’26 Jul '26, counts as said | 7 times: Efficiency, Q3’26 Oct '26, counts as said | rising | 8/8100% | 7/888% | 55/7672% | 94%n=1+tx from settlement history blended with transcripts |
| Expansion | 1 time: Expansion, Q4’24 Jan '25, counts as said | 0 times: Expansion, Q1’25 Apr '25 | 3 times: Expansion, Q2’25 Jul '25, counts as said | 1 time: Expansion, Q3’25 Oct '25, counts as said | 2 times: Expansion, Q4’25 Jan '26, counts as said | 0 times: Expansion, Q1’26 Apr '26 | 1 time: Expansion, Q2’26 Jul '26, counts as said | 1 time: Expansion, Q3’26 Oct '26, counts as said | steady | 6/875% | 4/850% | 34/7645% | 68%n=1+tx from settlement history blended with transcripts |
| Growthevery call 5+ times | 97 times: Growth 5+ times, Q4’24 Jan '25, counts as said | 74 times: Growth 5+ times, Q1’25 Apr '25, counts as said | 51 times: Growth 5+ times, Q2’25 Jul '25, counts as said | 83 times: Growth 5+ times, Q3’25 Oct '25, counts as said | 100 times: Growth 5+ times, Q4’25 Jan '26, counts as said | 91 times: Growth 5+ times, Q1’26 Apr '26, counts as said | 90 times: Growth 5+ times, Q2’26 Jul '26, counts as said | 83 times: Growth 5+ times, Q3’26 Oct '26, counts as said | steady | 8/8100% | 8/8100% | 76/76100% | 96%n=1+tx from settlement history blended with transcripts |
| Guidance | 7 times: Guidance, Q4’24 Jan '25, counts as said | 3 times: Guidance, Q1’25 Apr '25, counts as said | 1 time: Guidance, Q2’25 Jul '25, counts as said | 1 time: Guidance, Q3’25 Oct '25, counts as said | 4 times: Guidance, Q4’25 Jan '26, counts as said | 6 times: Guidance, Q1’26 Apr '26, counts as said | 3 times: Guidance, Q2’26 Jul '26, counts as said | 5 times: Guidance, Q3’26 Oct '26, counts as said | steady | 8/8100% | 7/888% | 61/7680% | 90%n=1+tx from settlement history blended with transcripts |
| Hike | 0 times: Hike, Q4’24 Jan '25 | 0 times: Hike, Q1’25 Apr '25 | 0 times: Hike, Q2’25 Jul '25 | 0 times: Hike, Q3’25 Oct '25 | 0 times: Hike, Q4’25 Jan '26 | 0 times: Hike, Q1’26 Apr '26 | 5 times: Hike, Q2’26 Jul '26, counts as said | 3 times: Hike, Q3’26 Oct '26, counts as said | rising | 2/825% | 1/812% | 20/7626% | 70%n=1+tx from settlement history blended with transcripts |
| Inflation3+ times | 0 times: Inflation 3+ times, Q4’24 Jan '25 | 8 times: Inflation 3+ times, Q1’25 Apr '25, counts as said | 4 times: Inflation 3+ times, Q2’25 Jul '25, counts as said | 2 times: Inflation 3+ times, Q3’25 Oct '25, below the threshold | 2 times: Inflation 3+ times, Q4’25 Jan '26, below the threshold | 8 times: Inflation 3+ times, Q1’26 Apr '26, counts as said | 1 time: Inflation 3+ times, Q2’26 Jul '26, below the threshold | 3 times: Inflation 3+ times, Q3’26 Oct '26, counts as said | steady | 4/850% | 0/80% | 16/7621% | 61%n=1+tx from settlement history blended with transcripts |
| Invest / Investmentevery call 5+ times | 34 times: Invest / Investment 5+ times, Q4’24 Jan '25, counts as said | 29 times: Invest / Investment 5+ times, Q1’25 Apr '25, counts as said | 12 times: Invest / Investment 5+ times, Q2’25 Jul '25, counts as said | 48 times: Invest / Investment 5+ times, Q3’25 Oct '25, counts as said | 43 times: Invest / Investment 5+ times, Q4’25 Jan '26, counts as said | 22 times: Invest / Investment 5+ times, Q1’26 Apr '26, counts as said | 31 times: Invest / Investment 5+ times, Q2’26 Jul '26, counts as said | 32 times: Invest / Investment 5+ times, Q3’26 Oct '26, counts as said | steady | 8/8100% | 8/8100% | 76/76100% | 92%n=1+tx from settlement history blended with transcripts |
| Leverage3+ times | 17 times: Leverage 3+ times, Q4’24 Jan '25, counts as said | 4 times: Leverage 3+ times, Q1’25 Apr '25, counts as said | 8 times: Leverage 3+ times, Q2’25 Jul '25, counts as said | 18 times: Leverage 3+ times, Q3’25 Oct '25, counts as said | 24 times: Leverage 3+ times, Q4’25 Jan '26, counts as said | 22 times: Leverage 3+ times, Q1’26 Apr '26, counts as said | 33 times: Leverage 3+ times, Q2’26 Jul '26, counts as said | 15 times: Leverage 3+ times, Q3’26 Oct '26, counts as said | rising | 8/8100% | 7/888% | 54/7671% | 93%n=1+tx from settlement history blended with transcripts |
| Loan Growth | 13 times: Loan Growth, Q4’24 Jan '25, counts as said | 8 times: Loan Growth, Q1’25 Apr '25, counts as said | 4 times: Loan Growth, Q2’25 Jul '25, counts as said | 8 times: Loan Growth, Q3’25 Oct '25, counts as said | 12 times: Loan Growth, Q4’25 Jan '26, counts as said | 10 times: Loan Growth, Q1’26 Apr '26, counts as said | 11 times: Loan Growth, Q2’26 Jul '26, counts as said | 6 times: Loan Growth, Q3’26 Oct '26, counts as said | steady | 8/8100% | 8/8100% | 71/7693% | 94%n=1+tx from settlement history blended with transcripts |
| Momentum | 3 times: Momentum, Q4’24 Jan '25, counts as said | 1 time: Momentum, Q1’25 Apr '25, counts as said | 1 time: Momentum, Q2’25 Jul '25, counts as said | 3 times: Momentum, Q3’25 Oct '25, counts as said | 7 times: Momentum, Q4’25 Jan '26, counts as said | 5 times: Momentum, Q1’26 Apr '26, counts as said | 2 times: Momentum, Q2’26 Jul '26, counts as said | 2 times: Momentum, Q3’26 Oct '26, counts as said | steady | 8/8100% | 8/8100% | 52/7668% | 89%n=1+tx from settlement history blended with transcripts |
| Revenue10+ times | 31 times: Revenue 10+ times, Q4’24 Jan '25, counts as said | 24 times: Revenue 10+ times, Q1’25 Apr '25, counts as said | 14 times: Revenue 10+ times, Q2’25 Jul '25, counts as said | 38 times: Revenue 10+ times, Q3’25 Oct '25, counts as said | 47 times: Revenue 10+ times, Q4’25 Jan '26, counts as said | 25 times: Revenue 10+ times, Q1’26 Apr '26, counts as said | 29 times: Revenue 10+ times, Q2’26 Jul '26, counts as said | 27 times: Revenue 10+ times, Q3’26 Oct '26, counts as said | steady | 8/8100% | 7/888% | 71/7693% | 87%n=1+tx from settlement history blended with transcripts |
| Small Business | 6 times: Small Business, Q4’24 Jan '25, counts as said | 5 times: Small Business, Q1’25 Apr '25, counts as said | 1 time: Small Business, Q2’25 Jul '25, counts as said | 5 times: Small Business, Q3’25 Oct '25, counts as said | 1 time: Small Business, Q4’25 Jan '26, counts as said | 2 times: Small Business, Q1’26 Apr '26, counts as said | 1 time: Small Business, Q2’26 Jul '26, counts as said | 7 times: Small Business, Q3’26 Oct '26, counts as said | steady | 8/8100% | 6/875% | 68/7689% | 87%n=1+tx from settlement history blended with transcripts |
| Tradingevery call | 7 times: Trading, Q4’24 Jan '25, counts as said | 8 times: Trading, Q1’25 Apr '25, counts as said | 3 times: Trading, Q2’25 Jul '25, counts as said | 12 times: Trading, Q3’25 Oct '25, counts as said | 12 times: Trading, Q4’25 Jan '26, counts as said | 8 times: Trading, Q1’26 Apr '26, counts as said | 7 times: Trading, Q2’26 Jul '26, counts as said | 7 times: Trading, Q3’26 Oct '26, counts as said | steady | 8/8100% | 8/8100% | 76/76100% | 94%n=1+tx from settlement history blended with transcripts |
| Wealth | 12 times: Wealth, Q4’24 Jan '25, counts as said | 8 times: Wealth, Q1’25 Apr '25, counts as said | 5 times: Wealth, Q2’25 Jul '25, counts as said | 11 times: Wealth, Q3’25 Oct '25, counts as said | 21 times: Wealth, Q4’25 Jan '26, counts as said | 8 times: Wealth, Q1’26 Apr '26, counts as said | 8 times: Wealth, Q2’26 Jul '26, counts as said | 20 times: Wealth, Q3’26 Oct '26, counts as said | rising | 8/8100% | 8/8100% | 75/7699% | 96%n=1+tx from settlement history blended with transcripts |
| Zelle | 0 times: Zelle, Q4’24 Jan '25 | 2 times: Zelle, Q1’25 Apr '25, counts as said | 3 times: Zelle, Q2’25 Jul '25, counts as said | 0 times: Zelle, Q3’25 Oct '25 | 1 time: Zelle, Q4’25 Jan '26, counts as said | 0 times: Zelle, Q1’26 Apr '26 | 0 times: Zelle, Q2’26 Jul '26 | 2 times: Zelle, Q3’26 Oct '26, counts as said | steady | 4/850% | 3/838% | 28/7637% | 60%n=1+tx from settlement history blended with transcripts |
| Cryptocurrencynever said | 0 times: Cryptocurrency, Q4’24 Jan '25 | 0 times: Cryptocurrency, Q1’25 Apr '25 | 0 times: Cryptocurrency, Q2’25 Jul '25 | 0 times: Cryptocurrency, Q3’25 Oct '25 | 0 times: Cryptocurrency, Q4’25 Jan '26 | 0 times: Cryptocurrency, Q1’26 Apr '26 | 0 times: Cryptocurrency, Q2’26 Jul '26 | 0 times: Cryptocurrency, Q3’26 Oct '26 | steady | 0/80% | 0/80% | 0/760% | 12%n=1+tx from settlement history blended with transcripts |
| Deteriorating | 0 times: Deteriorating, Q4’24 Jan '25 | 0 times: Deteriorating, Q1’25 Apr '25 | 0 times: Deteriorating, Q2’25 Jul '25 | 0 times: Deteriorating, Q3’25 Oct '25 | 0 times: Deteriorating, Q4’25 Jan '26 | 0 times: Deteriorating, Q1’26 Apr '26 | 0 times: Deteriorating, Q2’26 Jul '26 | 0 times: Deteriorating, Q3’26 Oct '26 | steady | 0/80% | 0/80% | 7/769% | 12%n=1+tx from settlement history blended with transcripts |
| Disappointing | 0 times: Disappointing, Q4’24 Jan '25 | 0 times: Disappointing, Q1’25 Apr '25 | 0 times: Disappointing, Q2’25 Jul '25 | 0 times: Disappointing, Q3’25 Oct '25 | 0 times: Disappointing, Q4’25 Jan '26 | 0 times: Disappointing, Q1’26 Apr '26 | 0 times: Disappointing, Q2’26 Jul '26 | 0 times: Disappointing, Q3’26 Oct '26 | steady | 0/80% | 0/80% | 3/764% | 12%n=1+tx from settlement history blended with transcripts |
| Disruption | 0 times: Disruption, Q4’24 Jan '25 | 1 time: Disruption, Q1’25 Apr '25, counts as said | 0 times: Disruption, Q2’25 Jul '25 | 0 times: Disruption, Q3’25 Oct '25 | 0 times: Disruption, Q4’25 Jan '26 | 1 time: Disruption, Q1’26 Apr '26, counts as said | 0 times: Disruption, Q2’26 Jul '26 | 0 times: Disruption, Q3’26 Oct '26 | steady | 2/825% | 1/812% | 21/7628% | 23%n=1+tx from settlement history blended with transcripts |
| Ecosystem | 0 times: Ecosystem, Q4’24 Jan '25 | 0 times: Ecosystem, Q1’25 Apr '25 | 1 time: Ecosystem, Q2’25 Jul '25, counts as said | 0 times: Ecosystem, Q3’25 Oct '25 | 0 times: Ecosystem, Q4’25 Jan '26 | 0 times: Ecosystem, Q1’26 Apr '26 | 0 times: Ecosystem, Q2’26 Jul '26 | 0 times: Ecosystem, Q3’26 Oct '26 | steady | 1/812% | 0/80% | 2/763% | 15%n=1+tx from settlement history blended with transcripts |
| Federal Reserve | 0 times: Federal Reserve, Q4’24 Jan '25 | 0 times: Federal Reserve, Q1’25 Apr '25 | 0 times: Federal Reserve, Q2’25 Jul '25 | 0 times: Federal Reserve, Q3’25 Oct '25 | 0 times: Federal Reserve, Q4’25 Jan '26 | 1 time: Federal Reserve, Q1’26 Apr '26, counts as said | 0 times: Federal Reserve, Q2’26 Jul '26 | 0 times: Federal Reserve, Q3’26 Oct '26 | steady | 1/812% | 0/80% | 13/7617% | 20%n=1+tx from settlement history blended with transcripts |
| Gross marginnever said | 0 times: Gross margin, Q4’24 Jan '25 | 0 times: Gross margin, Q1’25 Apr '25 | 0 times: Gross margin, Q2’25 Jul '25 | 0 times: Gross margin, Q3’25 Oct '25 | 0 times: Gross margin, Q4’25 Jan '26 | 0 times: Gross margin, Q1’26 Apr '26 | 0 times: Gross margin, Q2’26 Jul '26 | 0 times: Gross margin, Q3’26 Oct '26 | steady | 0/80% | 0/80% | 0/760% | 12%n=1+tx from settlement history blended with transcripts |
| M&A | 0 times: M&A, Q4’24 Jan '25 | 0 times: M&A, Q1’25 Apr '25 | 0 times: M&A, Q2’25 Jul '25 | 1 time: M&A, Q3’25 Oct '25, counts as said | 0 times: M&A, Q4’25 Jan '26 | 2 times: M&A, Q1’26 Apr '26, counts as said | 0 times: M&A, Q2’26 Jul '26 | 1 time: M&A, Q3’26 Oct '26, counts as said | rising | 3/838% | 1/812% | 28/7637% | 43%n=1+tx from settlement history blended with transcripts |
| Merger | 1 time: Merger, Q4’24 Jan '25, counts as said | 0 times: Merger, Q1’25 Apr '25 | 0 times: Merger, Q2’25 Jul '25 | 0 times: Merger, Q3’25 Oct '25 | 0 times: Merger, Q4’25 Jan '26 | 0 times: Merger, Q1’26 Apr '26 | 0 times: Merger, Q2’26 Jul '26 | 0 times: Merger, Q3’26 Oct '26 | falling | 1/812% | 1/812% | 33/7643% | 15%n=1+tx from settlement history blended with transcripts |
| Merrill3+ times | 6 times: Merrill 3+ times, Q4’24 Jan '25, counts as said | 4 times: Merrill 3+ times, Q1’25 Apr '25, counts as said | 0 times: Merrill 3+ times, Q2’25 Jul '25 | 4 times: Merrill 3+ times, Q3’25 Oct '25, counts as said | 3 times: Merrill 3+ times, Q4’25 Jan '26, counts as said | 1 time: Merrill 3+ times, Q1’26 Apr '26, below the threshold | 3 times: Merrill 3+ times, Q2’26 Jul '26, counts as said | 2 times: Merrill 3+ times, Q3’26 Oct '26, below the threshold | falling | 5/862% | 3/838% | 59/7678% | 32%n=1+tx from settlement history blended with transcripts |
- times said on that call
- counted as said (ring)
- no call
- probability next time, with n
- Select a word or a cell for its quotes
What the columns mean
- Last N
- of the appearances shown, how many counted as said
- Trend
- how the count moved over these calls
- Scripted
- calls of the last 8 where it was said in the prepared remarks
- All-time
- every call on file
- Probability
- the calibrated probability for the next listing; n is the settled observations behind it when it was computed, '+tx' adds the transcripts, 'new' means too little history
Appearances and settled record
latest 12Our transcript counts matched how 112 of 112 settled words resolved (100.0%). How we check.
| Date | Appearance | Text | Words | Settled | Our count agreed |
|---|---|---|---|---|---|
| Oct 14, 2026 | Earnings call FY26 Q3 | Speaker-labelled transcript | 30 | 15 yes · 15 no | 30/30 (100%) |
| Jul 14, 2026 | Earnings call FY26 Q2 | Speaker-labelled transcript | 33 | 13 yes · 20 no | 33/33 (100%) |
| Apr 15, 2026 | Earnings call FY26 Q1 | Speaker-labelled transcript | 15 | 11 yes · 4 no | 15/15 (100%) |
| Jan 14, 2026 | Earnings call FY25 Q4 | Speaker-labelled transcript | 20 | 14 yes · 6 no | 20/20 (100%) |
| Oct 15, 2025 | Earnings call FY25 Q3 | Speaker-labelled transcript | 14 | 12 yes · 2 no | 14/14 (100%) |
| Jul 16, 2025 | Earnings call FY25 Q2 | Speaker-labelled transcript | 0 | – | – |
| Apr 15, 2025 | Earnings call FY25 Q1 | Speaker-labelled transcript | 0 | – | – |
| Jan 16, 2025 | Earnings call FY24 Q4 | Speaker-labelled transcript | 0 | – | – |
| Oct 15, 2024 | Earnings call FY24 Q3 | Speaker-labelled transcript | 0 | – | – |
| Jul 16, 2024 | Earnings call FY24 Q2 | Speaker-labelled transcript | 0 | – | – |
| Apr 16, 2024 | Earnings call FY24 Q1 | Speaker-labelled transcript | 0 | – | – |
| Jan 12, 2024 | Earnings call FY23 Q4 | Speaker-labelled transcript | 0 | – | – |
Citeparrot.markets, “Bank of America (BAC): earnings call word history”, as of Oct 23, 2026, https://parrot.markets/earnings/BAC (CC BY 4.0)
Agents: this page as TSV at /api/v1/entity/bank-of-america · words: /api/v1/history?entity=bank-of-america · columnar JSON in #parrot-data · llms.txt · MCP