BACBank Of America Corp.

Bank of America $BAC Bank of America is trading at a discount relative to past cycles, but rates, regulation, and loan growth still matter. Why care about big banks? They're never exciting. However, cycles do turn. Just curious how others are thinking, patient long-term value play, or better uses of capital elsewhere than financials at the moment?

$BAC trades at a discount compared to $JPM despite earning around $25 billion annually. I want to invest in a bank, should I invest in $BAC or $JPM?

Trump is calling for a 10% cap on credit card interest rates, taking direct aim at APRs that often run 20%–30%+. The proposal is being framed as a win for consumers struggling with debt, but it could put pressure on banks and card issuers like $JPM, $BAC, $C, and $WFC, where credit cards are a major profit driver. Supporters see immediate relief for households, while critics warn a hard cap could tighten credit, cut limits, or push higher-risk borrowers out of the system. Investors are now watching how financial stocks react if this idea gains real traction. So is this a genuine consumer-first move, or a policy headline that ends up reshaping the credit market in unexpected ways?

Big banks are kicking off Q4 earnings season while markets brace for fresh inflation data this week. Names like $JPM, $BAC, $WFC, and $C will set the tone on profitability, credit trends, and how interest rates are impacting lending. At the same time, inflation prints and Fed commentary could sway expectations for rate cuts later in 2026. If banks deliver strong earnings and inflation keeps easing, risk assets could get a nice lift. But weak results or stubborn price pressures could flip the script fast. So… are we gearing up for a bullish week of data and earnings, or another market tug-of-war?

Trump is calling for a one-year cap on credit card interest rates at 10%, taking aim at APRs that often sit at 20%–30%+ across the industry. The idea is pitched as instant relief for consumers drowning in high-interest debt, especially as inflation and elevated rates keep squeezing household budgets. If it happens, people carrying balances could see meaningful short-term savings, while big card issuers and banks face pressure on a very profitable line of business. On the flip side, lenders tied to consumer credit like $JPM, $BAC, and $C warn that a hard cap could backfire. Margins get crushed, credit standards tighten, limits get cut, and riskier borrowers could be shut out entirely. That could push borrowing toward alternatives like BNPL or private lenders, shifting risk instead of reducing it. Markets are also watching how this might ripple through financial stocks if investors start pricing in regulatory uncertainty. So is this a real consumer win that finally reins in runaway APRs, or a policy move that ends up shrinking access to credit and shaking up the banking sector?

Big banking momentum is building as major U.S. banks expand quarterly crypto services and advisory coverage. $BAC is now advising wealth management clients to allocate up to 4% of their portfolios to digital assets and has initiated coverage on multiple $BTC ETFs. $MS followed by filing for both $BTC and $SOL ETFs, signaling deeper institutional engagement. At the same time, $JPM, $GS, and $SCHW are scaling up crypto trading and custody offerings, while $USB has resumed $BTC custody for institutional asset managers, citing improved regulatory clarity. On the corporate side, crypto exposure is also rising, with mining and infrastructure names like $CORZ seeing positive market reaction. This shift suggests crypto is moving from an experimental allocation to a structured asset class within traditional finance, but is this the early stage of mass institutional adoption, or just cautious positioning?