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FreeFinancialsBAC9 min read

Reading BAC into the next print

Chart

BAC chart · D

BAC
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The thesis

Net interest margin looks to have troughed, and the market hasn't repriced it.

Credit normalisation is being mistaken for credit deterioration — there's a gap.

What I'm watching

  • BAC NIM vs guide
  • deposit cost trajectory
  • A clean move through the level I flag below

Positioning

Long on BAC, 1-6 months horizon. Conviction: High. A credit shock breaks the thesis; I keep it sized.

Opinion, not investment advice. The author may or may not hold positions discussed.

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