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S&P 500 Can Tolerate 10-Year Treasury Yields Above 5%, Bank of America Says

September 28, 2026 Priya Shah – Business Editor Business

Despite recent increases, with the 10-year U.S. Treasury yield last above 5.21% and the 30-year Treasury yield above 5.5%, the S&P 500 remains only 1.4% below its recent high of 7,816.70 reached on August 13. Bank of America data indicates the 10-year U.S. Treasury yield must approach 7% before it meaningfully damages equity valuations, as S&P 500 forward price-to-earnings multiples have historically remained stable around 16 when yields trade within a range that includes 7%.

Historical P/E Multiples and Yields

According to Bank of America’s analysis dating back to 1986, the S&P 500 forward price-to-earnings multiples have generally stayed around 16 when the 10-year Treasury yield is between zero and 7%. However, the data shows these multiples drop to a median of 12.1 when the 10-year yield rises above 7%.

US Treasury Yields Above 5%: What If They Reach 6%?

Recent Yield Levels

The 10-year Treasury yield, a key benchmark for mortgages, has been climbing, causing concern among investors. The yield was last above 5.21%, while the 30-year Treasury yield also surpassed 5.5% as of the report.

Bank of America’s Outlook

BofA rates strategist Meghan Swiber does not currently anticipate the 10-year yield reaching 7% in her base case. However, she believes We continue to see higher rates ahead, attributing this expectation to anticipated interest rate hikes from the Federal Reserve, coupled with strong economic growth and increased inflation. She also stated that While supply-demand dynamics may add pressure, we do not see rates as restrictive enough yet to halt the move..

Past 7% Yields

The 10-year Treasury yield last closed above 7% on July 8, 1996, reaching 7.06%. The firm remains short 2-year rates and recommends an underweight duration strategy.

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