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

Running CAGR since the earliest displayed year.

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	-2.7%	-0.2%	+1.7%	-4.1%	+3.3%	+6.5%	-18.2%	+9.6%	-46.7%	—
Investment Securities	+8.7%	+9.2%	+9.4%	+11.3%	+15.0%	+9.7%	+4.7%	+18.6%	+78.4%	—
Loans net	+3.0%	+2.4%	+2.2%	+2.4%	+1.5%	+0.9%	+3.2%	+2.3%	+3.5%	—
Property,Plant and Equipment	+3.6%	+3.6%	+3.8%	+3.9%	+3.5%	+4.7%	+4.9%	+4.1%	+1.2%	—
Goodwill	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	-0.0%	-0.0%	-0.0%	-0.0%	—
Other Assets	+3.7%	+3.0%	+3.4%	+3.1%	+3.6%	+4.7%	+3.6%	+4.2%	+0.8%	—
Total Assets	+5.1%	+5.1%	+5.5%	+5.7%	+7.7%	+6.5%	+3.6%	+3.7%	+4.3%	—
Liabilities
Deposits	+5.4%	+5.7%	+6.2%	+7.4%	+10.4%	+9.2%	+4.4%	+4.7%	+3.9%	—
Short Term Borrowings	+8.2%	+8.7%	+7.6%	+2.3%	+2.5%	+0.0%	-1.0%	+4.8%	+3.9%	—
Long Term Debt	+4.3%	+3.4%	+4.9%	+4.1%	+5.3%	+4.9%	+3.6%	+2.9%	+4.9%	—
Other Liabilities	+5.1%	+4.4%	+4.7%	+5.4%	+5.8%	+3.8%	+6.3%	+3.1%	+9.7%	—
Total Liabilities	+5.5%	+5.6%	+6.0%	+6.3%	+8.6%	+7.3%	+4.1%	+4.3%	+4.8%	—
Equity
Total Stockholders Equity	+1.5%	+1.2%	+1.3%	+0.4%	+0.3%	+0.6%	-0.2%	-0.2%	+0.4%	—
Common Stock	-17.5%	-13.7%	-12.8%	-14.1%	-15.8%	-12.6%	-14.6%	-10.1%	-6.1%	—
Retained Earnings	+11.1%	+11.4%	+12.1%	+12.7%	+13.2%	+12.8%	+15.6%	+16.0%	+12.4%	—
Accumulated Other Comprehensive Income	—	—	—	—	—	—	—	—	—	—
Preferred Stock	+0.3%	-1.1%	+1.7%	+2.0%	-0.4%	-0.7%	-2.5%	-5.9%	-11.5%	—
Total Liabilitiesand Equity	+5.1%	+5.1%	+5.5%	+5.7%	+7.7%	+6.5%	+3.6%	+3.7%	+4.3%	—

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	+11.7%	+14.1%	+14.3%	+6.0%	-1.4%	+0.3%	+11.7%	+14.4%	+12.8%	—
Interest Expense Interest Expense	+25.8%	+31.8%	+33.0%	+12.4%	-13.8%	-4.7%	+30.9%	+36.7%	+23.9%	—
net Interest Income net Interest Income	+4.3%	+4.0%	+4.8%	+4.2%	+0.9%	+1.3%	+6.0%	+8.3%	+10.1%	—
Noninterest Income Total Noninterest Income	+2.5%	+0.9%	-0.3%	-0.0%	+1.6%	-0.3%	-0.2%	+0.3%	-1.7%	—
Expenses Noninterest Expense	+2.7%	+2.5%	+2.6%	+1.9%	+1.7%	+0.1%	-0.0%	-1.6%	-0.8%	—
Income Tax Income Tax Expense	-0.1%	-14.2%	-17.9%	-11.7%	-22.7%	-37.6%	-9.8%	-5.8%	+51.5%	—
net Income Other Items Below Tax	—	—	—	—	+73.3%	—	—	—	—	—
net Income net Income	+6.1%	+5.3%	+5.8%	+7.4%	+12.3%	-0.0%	+15.3%	+25.4%	+1.8%	—
Earnings Per Share Diluted Eps	+10.9%	+10.0%	+10.8%	+13.4%	+18.9%	+5.7%	+22.4%	+31.9%	+4.0%	—
Earnings Per Share Basic Eps	+10.4%	+9.4%	+10.1%	+12.5%	+17.9%	+4.4%	+20.6%	+29.3%	+3.2%	—
Earnings Per Share Weighted Average Shares Diluted	-3.9%	-4.0%	-4.4%	-4.9%	-5.0%	-5.5%	-5.1%	-3.7%	-2.3%	—

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	-3.4%	—	+14.6%	—	—	+21.8%	+52.9%	+51.2%	-42.9%	—
Operating Activities net Income	+6.2%	+5.3%	+5.7%	+7.5%	+12.4%	+0.1%	+15.5%	+25.7%	+2.3%	—
Operating Activities Depreciation and Amortization	+0.4%	-0.3%	-1.2%	-2.1%	-3.3%	-4.8%	-8.3%	-4.1%	-6.2%	—
Operating Activities Stock Based Compensation	+12.7%	+12.2%	+11.6%	+13.1%	+15.2%	+10.4%	+13.0%	+12.5%	+20.6%	—
Operating Activities Other Non Cash Items	—	—	—	—	—	—	—	—	—	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—	—	—	—	—	—
Investing Activities Other Investing Activities	—	—	—	—	—	—	—	—	—	—
Financing Activities net Cash From Financing Activities	+8.6%	+7.8%	+15.9%	—	+54.5%	+81.0%	-53.3%	+26.6%	+48.6%	—
Financing Activities Dividends Paid	—	—	—	—	—	—	—	—	—	—
Financing Activities Repurchase of Common Stock	—	—	—	—	—	—	—	—	—	—
Financing Activities Other Financing Activities	+10.1%	+8.7%	+14.1%	—	+50.2%	+71.9%	-4.1%	+37.4%	+59.6%	—
Cash Reconciliation Effect of Exchange Rate On Cash	+37.9%	—	—	—	—	+84.1%	—	—	+777.1%	—
Cash Reconciliation net Change In Cash	—	—	—	—	—	—	—	—	—	—

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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