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 · 3 years

Total assets $3.4T

Total liabilities $3.1T

Shareholders equity $303.2B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	167.3%	197.9%	255.7%
Investment Securities	932.8%	840.2%	881.9%
Loans net	846.2%	738.4%	798.7%
Property,Plant and Equipment	9.0%	8.3%	9.1%
Goodwill	49.8%	47.1%	53.0%
Other Assets	457.0%	392.6%	443.0%
Total Assets	2462.2%	2224.5%	2441.3%
Liabilities
Deposits	1456.9%	1340.6%	1476.9%
Short Term Borrowings	248.8%	226.3%	217.9%
Long Term Debt	229.4%	193.2%	232.0%
Other Liabilities	308.3%	263.9%	290.6%
Total Liabilities	2243.3%	2024.0%	2217.5%
Equity
Total Stockholders Equity	218.8%	200.5%	223.9%
Common Stock	18.8%	30.9%	43.3%
Retained Earnings	188.9%	164.2%	172.5%
Accumulated Other Comprehensive Income	-7.6%	-10.4%	-13.7%
Preferred Stock	18.8%	15.8%	21.8%
Total Liabilitiesand Equity	2462.2%	2224.5%	2441.3%

Income Statement

Revenue, expense, and profitability

11 accounts · 3 years

Revenue $138.6B

Operating income Not reported

Net income $30.5B

Account	2025	2024	2023
IncomeStatement
Interest Income Total Interest Income	100.0%	100.0%	100.0%
Interest Expense Interest Expense	56.6%	61.8%	56.3%
net Interest Income net Interest Income	43.4%	38.2%	43.7%
Noninterest Income Total Noninterest Income	38.2%	31.3%	32.0%
Expenses Noninterest Expense	50.3%	45.6%	50.5%
Income Tax Income Tax Expense	5.2%	1.4%	1.4%
net Income Other Items Below Tax	-5.1%	-5.1%	-4.6%
net Income net Income	22.0%	18.5%	20.4%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	5.5%	5.4%	6.2%

Cash Flow Statement

Operating, investing, and financing flows

13 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 Cash From Operating Activities	9.1%	-6.0%	34.5%
Operating Activities net Income	22.0%	18.4%	20.2%
Operating Activities Depreciation and Amortization	1.7%	1.5%	1.6%
Operating Activities Stock Based Compensation	2.9%	2.3%	2.3%
Operating Activities Other Non Cash Items	-17.5%	-28.2%	10.5%
Investing Activities net Cash From Investing Activities	-104.8%	-61.9%	-27.2%
Investing Activities Other Investing Activities	-104.8%	-61.9%	-27.2%
Financing Activities net Cash From Financing Activities	50.5%	41.2%	71.7%
Financing Activities Dividends Paid	-6.9%	-6.5%	-7.0%
Financing Activities Repurchase of Common Stock	-15.5%	-8.9%	-3.5%
Financing Activities Other Financing Activities	72.8%	56.6%	82.1%
Cash Reconciliation Effect of Exchange Rate On Cash	3.1%	-2.6%	-0.1%
Cash Reconciliation net Change In Cash	-42.1%	-29.3%	79.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	—	—	—
Net margin	+22.0%	+18.5%	+20.4%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	+24.1%	+45.4%	+36.2%
Returns
ROE	+10.1%	+9.2%	+9.1%
ROA	+0.9%	+0.8%	+0.8%
ROIC	—	—	—
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	10.25x	10.09x	9.90x
Interest coverage	—	—	—
Efficiency
Asset turnover	0.04x	0.04x	0.04x
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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