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 revenue.

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	167.3%	197.9%	255.7%	317.2%	730.5%	737.5%	226.8%	531.4%	273.4%	578.7%
Investment Securities	932.8%	840.2%	881.9%	1597.1%	2579.5%	1713.1%	985.5%	1287.7%	1892.4%	1196.6%
Loans net	846.2%	738.4%	798.7%	1423.6%	2027.9%	1798.7%	1380.5%	1403.8%	1608.8%	1753.8%
Property,Plant and Equipment	9.0%	8.3%	9.1%	15.9%	22.7%	21.3%	14.8%	14.8%	16.1%	17.9%
Goodwill	49.8%	47.1%	53.0%	95.1%	144.8%	133.7%	96.8%	103.3%	119.8%	135.1%
Other Assets	457.0%	392.6%	443.0%	756.0%	1143.1%	1061.7%	712.5%	741.8%	797.7%	892.8%
Total Assets	2462.2%	2224.5%	2441.3%	4205.0%	6648.5%	5466.0%	3416.9%	3526.3%	3961.9%	4285.5%
Liabilities
Deposits	1456.9%	1340.6%	1476.9%	2660.2%	4330.5%	3480.6%	2014.2%	2069.0%	2274.3%	2469.7%
Short Term Borrowings	248.8%	226.3%	217.9%	269.6%	403.4%	330.2%	231.8%	280.1%	307.2%	333.5%
Long Term Debt	229.4%	193.2%	232.0%	380.3%	587.6%	509.7%	338.1%	343.6%	394.9%	424.7%
Other Liabilities	308.3%	263.9%	290.6%	518.4%	760.5%	616.3%	461.1%	436.3%	521.5%	536.3%
Total Liabilities	2243.3%	2024.0%	2217.5%	3828.5%	6082.0%	4936.9%	3045.2%	3129.0%	3498.0%	3764.2%
Equity
Total Stockholders Equity	218.8%	200.5%	223.9%	376.5%	566.5%	529.1%	371.7%	397.4%	464.0%	521.4%
Common Stock	18.8%	30.9%	43.3%	81.2%	130.9%	166.7%	128.8%	178.1%	239.8%	288.0%
Retained Earnings	188.9%	164.2%	172.5%	285.3%	394.5%	318.1%	219.4%	204.2%	197.7%	198.3%
Accumulated Other Comprehensive Income	-7.6%	-10.4%	-13.7%	-29.2%	-10.7%	-3.2%	-9.3%	-18.3%	-12.3%	-14.3%
Preferred Stock	18.8%	15.8%	21.8%	39.1%	51.8%	47.5%	32.8%	33.4%	38.8%	49.4%
Total Liabilitiesand Equity	2462.2%	2224.5%	2441.3%	4205.0%	6648.5%	5466.0%	3416.9%	3526.3%	3961.9%	4285.5%

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	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Interest Expense Interest Expense	56.6%	61.8%	56.3%	27.7%	9.9%	15.9%	31.4%	27.9%	21.4%	19.5%
net Interest Income net Interest Income	43.4%	38.2%	43.7%	72.3%	90.1%	84.1%	68.6%	72.1%	78.6%	80.5%
Noninterest Income Total Noninterest Income	38.2%	31.3%	32.0%	58.6%	96.9%	81.7%	59.5%	64.2%	72.7%	83.4%
Expenses Noninterest Expense	50.3%	45.6%	50.5%	84.7%	125.3%	107.0%	77.1%	79.6%	94.7%	107.6%
Income Tax Income Tax Expense	5.2%	1.4%	1.4%	4.7%	4.2%	2.1%	7.5%	9.6%	19.1%	14.2%
net Income Other Items Below Tax	-5.1%	-5.1%	-4.6%	-5.6%	6.7%	-24.7%	-7.0%	-5.9%	-2.8%	0.4%
net Income net Income	22.0%	18.5%	20.4%	37.9%	67.1%	34.7%	38.5%	42.2%	31.7%	35.1%
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	5.5%	5.4%	6.2%	11.3%	18.0%	17.1%	13.3%	15.3%	18.7%	21.6%

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	9.1%	-6.0%	34.5%	-8.7%	-15.1%	73.7%	86.7%	59.2%	17.1%	33.8%
Operating Activities net Income	22.0%	18.4%	20.2%	37.9%	67.1%	34.7%	38.5%	42.2%	31.7%	34.9%
Operating Activities Depreciation and Amortization	1.7%	1.5%	1.6%	2.7%	4.0%	3.6%	2.4%	3.1%	3.7%	4.4%
Operating Activities Stock Based Compensation	2.9%	2.3%	2.3%	3.9%	5.8%	3.9%	2.8%	2.6%	2.9%	2.7%
Operating Activities Other Non Cash Items	-17.5%	-28.2%	10.5%	-53.3%	-92.0%	31.5%	43.0%	11.4%	-21.0%	-8.1%
Investing Activities net Cash From Investing Activities	-104.8%	-61.9%	-27.2%	-3.5%	-657.2%	-344.4%	-113.2%	-107.0%	-89.5%	-122.0%
Investing Activities Other Investing Activities	-104.8%	-61.9%	-27.2%	-3.5%	-657.2%	-344.4%	-113.2%	-107.0%	-89.5%	-122.0%
Financing Activities net Cash From Financing Activities	50.5%	41.2%	71.7%	-146.1%	611.8%	689.8%	4.7%	79.6%	85.6%	64.9%
Financing Activities Dividends Paid	-6.9%	-6.5%	-7.0%	-11.8%	-16.9%	-15.0%	-8.3%	-10.3%	-9.9%	-8.2%
Financing Activities Repurchase of Common Stock	-15.5%	-8.9%	-3.5%	-7.0%	-52.7%	-13.6%	-39.5%	-30.1%	-22.3%	-10.0%
Financing Activities Other Financing Activities	72.8%	56.6%	82.1%	-127.3%	681.4%	718.4%	52.6%	120.0%	117.7%	83.2%
Cash Reconciliation Effect of Exchange Rate On Cash	3.1%	-2.6%	-0.1%	-4.3%	-7.1%	5.3%	-0.5%	-1.8%	3.7%	0.5%
Cash Reconciliation net Change In Cash	-42.1%	-29.3%	79.0%	-162.6%	-67.6%	424.4%	-22.2%	29.9%	16.8%	-22.7%

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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