Bank of America

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

                    Revenue
                    FY2025
                
$138.6B
                    3y CAGR +24.1%
                    
                    P75
                    
                    -5.5%
                    
                    Net income
                    FY2025
                
$30.5B
                    Net margin +22.0%
                    
                    P64
                    
                    +13.1%
                    
                    Total assets
                    FY2025
                
$3.4T
                    ROA +0.9%
                    
                    P14
                    
                    +4.6%
                    
                    Operating cash flow
                    FY2025
                
$12.6B
                    
                    +243.2%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 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

22 accounts · 3 years

Total assets $3.4T

Total liabilities $3.1T

Shareholders equity $303.2B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	6.8%	8.9%	10.5%
Short Term Investments	27.1%	28.1%	27.4%
Other Current Assets	4.8%	5.0%	5.1%
Property,Plant and Equipment	0.4%	0.4%	0.4%
Operating Lease Assets	0.2%	0.3%	0.3%
Goodwill	2.0%	2.1%	2.2%
Intangible Assets	0.1%	0.1%	0.1%
Other Noncurrent Assets	4.8%	5.0%	5.1%
Total Assets	100.0%	100.0%	100.0%
Liabilities
Current Portion of Long Term Debt	9.3%	0.7%	0.4%
Operating Lease Liabilities	0.3%	0.3%	0.3%
Total Current Liabilities	91.1%	90.9%	90.8%
Long Term Debt	9.3%	8.7%	9.5%
Operating Lease Liabilities Noncurrent	0.3%	0.3%	0.3%
Deferred Tax Liabilities	0.0%	0.3%	0.3%
Total Liabilities	91.1%	90.9%	90.8%
Equity
Preferred Stock	0.0%	0.0%	0.0%
Common Stock	0.8%	1.4%	1.8%
Retained Earnings	7.7%	7.4%	7.1%
Accumulated Other Comprehensive Income	-0.3%	-0.5%	-0.6%
Total Stockholders Equity	8.9%	9.0%	9.2%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

14 accounts · 3 years

Revenue $138.6B

Operating income $30.5B

Net income $30.5B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	4.1%	4.5%	4.1%
Expenses Selling,General and Administrative	0.1%	0.1%	0.1%
Expenses Depreciation and Amortization	0.1%	0.1%	0.1%
Expenses Share Based Compensation	0.1%	0.1%	0.1%
Other Income Expense Operating Income	0.9%	0.8%	0.8%
Other Income Expense Interest Income	4.1%	4.5%	4.1%
Other Income Expense Income Before Tax	1.1%	1.0%	1.0%
Income Tax Income Tax Expense	0.2%	0.2%	0.2%
net Income net Income	0.9%	0.8%	0.8%
net Income Comprehensive Income	1.0%	0.9%	0.9%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.2%	0.2%	0.3%
Earnings Per Share Weighted Average Shares Diluted	0.2%	0.2%	0.3%

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 3 years

Operating cash flow $12.6B

Investing cash flow $-145.2B

Financing cash flow $69.9B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	0.9%	0.8%	0.8%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.1%
Operating Activities Stock Based Compensation	0.1%	0.1%	0.1%
Operating Activities Deferred Income Taxes	0.0%	-0.0%	-0.0%
Operating Activities Changes In Operating Assets and Liabilities	-0.1%	-0.2%	-0.2%
Operating Activities net Cash From Operating Activities	0.4%	-0.3%	1.4%
Investing Activities Purchases of Investments	0.0%	0.0%	0.0%
Investing Activities Other Investing Activities	0.1%	0.1%	0.2%
Investing Activities net Cash From Investing Activities	-4.3%	-2.8%	-1.1%
Financing Activities Proceeds From Debt	2.9%	1.7%	2.1%
Financing Activities Repayment of Debt	2.2%	2.2%	1.4%
Financing Activities Repurchase of Common Stock	0.6%	0.4%	0.1%
Financing Activities Dividends Paid	0.2%	0.2%	0.2%
Financing Activities Other Financing Activities	-0.0%	-0.0%	-0.0%
Financing Activities net Cash From Financing Activities	2.1%	1.9%	2.9%
Cash Reconciliation Effect of Exchange Rate On Cash	0.1%	-0.1%	-0.0%
Cash Reconciliation net Change In Cash	-1.7%	-1.3%	3.2%
Cash Reconciliation Cash At Beginning of Period	6.8%	8.9%	10.5%
Cash Reconciliation Cash At End of Period	6.8%	8.9%	10.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	+22.0%	+18.4%	+20.2%
Net margin	+22.0%	+18.4%	+20.2%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	+24.1%	+45.4%	+36.2%
Returns
ROE	+10.1%	+9.2%	+9.0%
ROA	+0.9%	+0.8%	+0.8%
ROIC	+3.5%	+7.0%	+7.8%
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	10.25x	10.09x	9.90x
Interest coverage	—	—	0.36x
Efficiency
Asset turnover	0.04x	0.04x	0.04x
Cash conversion cycle	—	—	—

Valuation

Price against fundamentals

BAC $52 · 2025-09-29 · 351d old · FY2025

Market cap $402.6B

P/E 13.20x

P/S 2.91x

P/B 1.33x

EV $806.4B

EV/EBITDA 24.57x

FCF yield —

Dividend yield +2.0%

Notes

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