Bank of America

Financials Diversified Banks Charlotte, North Carolina Last filing Feb 25, 2026 · FY2025

                    Revenue
                    FY2025
                
$138.6B
                    3y CAGR +24.1%
                    
                    P79
                    
                    -5.5%
                    
                    Net income
                    FY2025
                
$30.5B
                    Net margin +22.0%
                    
                    P40
                    
                    +12.4%
                    
                    Total assets
                    FY2025
                
$3.4T
                    ROA +0.9%
                    
                    P12
                    
                    +4.6%
                    
                    Operating cash flow
                    FY2025
                
$12.6B
                    
                    +243.2%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

18 accounts · 10 years

Total assets $3.4T

Total liabilities $3.1T

Shareholders equity $303.2B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	6.8%	8.9%	10.5%	7.5%	11.0%	13.5%	6.6%	15.1%	6.9%	13.5%
Investment Securities	37.9%	37.8%	36.1%	38.0%	38.8%	31.3%	28.8%	36.5%	47.8%	27.9%
Loans net	34.4%	33.2%	32.7%	33.9%	30.5%	32.9%	40.4%	39.8%	40.6%	40.9%
Property,Plant and Equipment	0.4%	0.4%	0.4%	0.4%	0.3%	0.4%	0.4%	0.4%	0.4%	0.4%
Goodwill	2.0%	2.1%	2.2%	2.3%	2.2%	2.4%	2.8%	2.9%	3.0%	3.2%
Other Assets	18.6%	17.6%	18.1%	18.0%	17.2%	19.4%	20.9%	21.0%	20.1%	20.8%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Deposits	59.2%	60.3%	60.5%	63.3%	65.1%	63.7%	58.9%	58.7%	57.4%	57.6%
Short Term Borrowings	10.1%	10.2%	8.9%	6.4%	6.1%	6.0%	6.8%	7.9%	7.8%	7.8%
Long Term Debt	9.3%	8.7%	9.5%	9.0%	8.8%	9.3%	9.9%	9.7%	10.0%	9.9%
Other Liabilities	12.5%	11.9%	11.9%	12.3%	11.4%	11.3%	13.5%	12.4%	13.2%	12.5%
Total Liabilities	91.1%	91.0%	90.8%	91.0%	91.5%	90.3%	89.1%	88.7%	88.3%	87.8%
Equity
Total Stockholders Equity	8.9%	9.0%	9.2%	9.0%	8.5%	9.7%	10.9%	11.3%	11.7%	12.2%
Common Stock	0.8%	1.4%	1.8%	1.9%	2.0%	3.0%	3.8%	5.0%	6.1%	6.7%
Retained Earnings	7.7%	7.4%	7.1%	6.8%	5.9%	5.8%	6.4%	5.8%	5.0%	4.6%
Accumulated Other Comprehensive Income	-0.3%	-0.5%	-0.6%	-0.7%	-0.2%	-0.1%	-0.3%	-0.5%	-0.3%	-0.3%
Preferred Stock	0.8%	0.7%	0.9%	0.9%	0.8%	0.9%	1.0%	0.9%	1.0%	1.2%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

11 accounts · 10 years

Revenue $138.6B

Operating income Not reported

Net income $30.5B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Interest Income Total Interest Income	4.1%	4.5%	4.1%	2.4%	1.5%	1.8%	2.9%	2.8%	2.5%	2.3%
Interest Expense Interest Expense	2.3%	2.8%	2.3%	0.7%	0.1%	0.3%	0.9%	0.8%	0.5%	0.5%
net Interest Income net Interest Income	1.8%	1.7%	1.8%	1.7%	1.4%	1.5%	2.0%	2.0%	2.0%	1.9%
Noninterest Income Total Noninterest Income	1.6%	1.4%	1.3%	1.4%	1.5%	1.5%	1.7%	1.8%	1.8%	1.9%
Expenses Noninterest Expense	2.0%	2.0%	2.1%	2.0%	1.9%	2.0%	2.3%	2.3%	2.4%	2.5%
Income Tax Income Tax Expense	0.2%	0.1%	0.1%	0.1%	0.1%	0.0%	0.2%	0.3%	0.5%	0.3%
net Income Other Items Below Tax	-0.2%	-0.2%	-0.2%	-0.1%	0.1%	-0.5%	-0.2%	-0.2%	-0.1%	0.0%
net Income net Income	0.9%	0.8%	0.8%	0.9%	1.0%	0.6%	1.1%	1.2%	0.8%	0.8%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.2%	0.3%	0.3%	0.3%	0.3%	0.4%	0.4%	0.5%	0.5%

Cash Flow Statement

Operating, investing, and financing flows

13 accounts · 10 years

Operating cash flow $12.6B

Investing cash flow $-145.2B

Financing cash flow $69.9B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Cash From Operating Activities	0.4%	-0.3%	1.4%	-0.2%	-0.2%	1.3%	2.5%	1.7%	0.4%	0.8%
Operating Activities net Income	0.9%	0.8%	0.8%	0.9%	1.0%	0.6%	1.1%	1.2%	0.8%	0.8%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Operating Activities Stock Based Compensation	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Operating Activities Other Non Cash Items	-0.7%	-1.3%	0.4%	-1.3%	-1.4%	0.6%	1.3%	0.3%	-0.5%	-0.2%
Investing Activities net Cash From Investing Activities	-4.3%	-2.8%	-1.1%	-0.1%	-9.9%	-6.3%	-3.3%	-3.0%	-2.3%	-2.8%
Investing Activities Other Investing Activities	-4.3%	-2.8%	-1.1%	-0.1%	-9.9%	-6.3%	-3.3%	-3.0%	-2.3%	-2.8%
Financing Activities net Cash From Financing Activities	2.1%	1.9%	2.9%	-3.5%	9.2%	12.6%	0.1%	2.3%	2.2%	1.5%
Financing Activities Dividends Paid	-0.3%	-0.3%	-0.3%	-0.3%	-0.3%	-0.3%	-0.2%	-0.3%	-0.2%	-0.2%
Financing Activities Repurchase of Common Stock	-0.6%	-0.4%	-0.1%	-0.2%	-0.8%	-0.2%	-1.2%	-0.9%	-0.6%	-0.2%
Financing Activities Other Financing Activities	3.0%	2.5%	3.4%	-3.0%	10.2%	13.1%	1.5%	3.4%	3.0%	1.9%
Cash Reconciliation Effect of Exchange Rate On Cash	0.1%	-0.1%	-0.0%	-0.1%	-0.1%	0.1%	-0.0%	-0.1%	0.1%	0.0%
Cash Reconciliation net Change In Cash	-1.7%	-1.3%	3.2%	-3.9%	-1.0%	7.8%	-0.7%	0.8%	0.4%	-0.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Net margin	+22.0%	+18.5%	+20.4%	+37.9%	+67.1%	+34.7%	+38.5%	+42.2%	+31.7%	+35.1%
FCF margin	—	—	—	—	—	—	—	—	—	—
Growth
Revenue CAGR (3y)	+24.1%	+45.4%	+36.2%	+0.6%	-10.6%	-3.6%	+11.7%	+10.3%	+4.2%	-2.5%
Returns
ROE	+10.1%	+9.2%	+9.1%	+10.1%	+11.8%	+6.6%	+10.4%	+10.6%	+6.8%	+6.7%
ROA	+0.9%	+0.8%	+0.8%	+0.9%	+1.0%	+0.6%	+1.1%	+1.2%	+0.8%	+0.8%
ROIC	—	—	—	—	—	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	10.25x	10.09x	9.90x	10.17x	10.74x	9.33x	8.19x	7.87x	7.54x	7.22x
Interest coverage	—	—	—	—	—	—	—	—	—	—
Efficiency
Asset turnover	0.04x	0.04x	0.04x	0.02x	0.02x	0.02x	0.03x	0.03x	0.03x	0.02x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

Valuation

Price against fundamentals

BAC $52 · 2025-09-29 · 397d old · FY2025

Market cap $402.6B

P/E 13.20x

P/S 2.91x

P/B 1.33x

EV $488.6B

EV/EBITDA —

FCF yield —

Dividend yield +2.4%

Notes

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