Jim Cramer: Bank of America could be the star of the day

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Jim Cramer: Bank of America could be the star of the day

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CNBC’s Jim Cramer joins ‘Squawk Box’ to give his take on big bank earnings ahead of the day’s market action. For access to live and exclusive video from CNBC subscribe to CNBC PRO: https://cnb.cx/2NGeIvi

Bank of America posted third-quarter results on Thursday that exceeded analysts’ expectations as it benefited from better-than-expected loan losses and record advisory and asset management fees.

Here are the numbers:

Earnings: 85 cents a share vs the 71 cents a share estimate of analysts surveyed by Refinitiv
Revenue: $22.87 billion vs the $21.8 billion estimate
The company’s profit surged 58% to $7.7 billion, or 85 cents a share, as revenue climbed 12% to $22.87 billion. Results were helped by a $1.1 billion reserve release that led to a $624 million boost after chargeoffs.

Shares of the bank climbed 2.5%.

“We reported strong results as the economy continued to improve and our businesses regained the organic customer growth momentum we saw before the pandemic,” CEO Brian Moynihan said in the release. “Deposit growth was strong and loan balances increased for the second consecutive quarter, leading to an improvement in net interest income even as interest rates remained low.”

Net interest income, a closely watched figure for banks, jumped 10% to $11.1 billion, exceeding the $10.6 billion StreetAccount estimate.

Investors had wanted to see loan growth improve from a weak first half of the year because that helps banks produce more interest income. Indeed, loan balances increased 9% on an annualized basis from the second quarter, driven by strength in commercial loans, the bank said.

More loan growth is expected from here, Moynihan told analysts Thursday in a conference call.

Like bigger rival JPMorgan Chase, Bank of America posted strong results in investment banking, wealth management and equities trading businesses.

Investment banking fees rose 23% to $2.2 billion, helped by a 65% surge in advisory fees to a record $654 million. Analysts had expected $2 billion in investment banking revenue.

The bank’s trading operations exceeded expectations for the quarter. Bond trading revenue dipped 5% to $2 billion, edging out the $1.93 billion estimate. Equities trading surged 33% to $1.6 billion, roughly $150 million higher than expected.

The bank’s wealth management division posted a 17% increase in revenue to $5.3 billion, driven by record asset management fees of $3.2 billion.

Like other lenders, Bank of America set aside billions of dollars for credit losses last year, when the industry anticipated a wave of defaults tied to the coronavirus pandemic. Banks have been releasing some of those funds when the losses didn’t arrive, and analysts will be curious how much of a boost that dynamic will have in the second half of the year.

They will also likely ask Moynihan about succession planning after his most senior deputy, chief operating officer Tom Montag, announced his departure. Last month, Moynihan announced a sweeping management overhaul, including a new finance chief, technology head, general counsel and chief administrative officer.

Shares of Bank of America have climbed 42% this year before Thursday, exceeding the 36% gain of the KBW Bank Index.

On Wednesday, JPMorgan posted results that beat expectations, driven by a $1.5 billion boost from better-than-expected loan losses. On Thursday, Morgan Stanley topped expectations as the firm posted record results in investment banking and asset management.

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