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 · 5 years

Total assets $3.4T

Total liabilities $3.1T

Shareholders equity $303.2B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	167.3%	197.9%	255.7%	317.2%	730.5%
Investment Securities	932.8%	840.2%	881.9%	1597.1%	2579.5%
Loans net	846.2%	738.4%	798.7%	1423.6%	2027.9%
Property,Plant and Equipment	9.0%	8.3%	9.1%	15.9%	22.7%
Goodwill	49.8%	47.1%	53.0%	95.1%	144.8%
Other Assets	457.0%	392.6%	443.0%	756.0%	1143.1%
Total Assets	2462.2%	2224.5%	2441.3%	4205.0%	6648.5%
Liabilities
Deposits	1456.9%	1340.6%	1476.9%	2660.2%	4330.5%
Short Term Borrowings	248.8%	226.3%	217.9%	269.6%	403.4%
Long Term Debt	229.4%	193.2%	232.0%	380.3%	587.6%
Other Liabilities	308.3%	263.9%	290.6%	518.4%	760.5%
Total Liabilities	2243.3%	2024.0%	2217.5%	3828.5%	6082.0%
Equity
Total Stockholders Equity	218.8%	200.5%	223.9%	376.5%	566.5%
Common Stock	18.8%	30.9%	43.3%	81.2%	130.9%
Retained Earnings	188.9%	164.2%	172.5%	285.3%	394.5%
Accumulated Other Comprehensive Income	-7.6%	-10.4%	-13.7%	-29.2%	-10.7%
Preferred Stock	18.8%	15.8%	21.8%	39.1%	51.8%
Total Liabilitiesand Equity	2462.2%	2224.5%	2441.3%	4205.0%	6648.5%

Income Statement

Revenue, expense, and profitability

11 accounts · 5 years

Revenue $138.6B

Operating income Not reported

Net income $30.5B

Account	2025	2024	2023	2022	2021
IncomeStatement
Interest Income Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%
Interest Expense Interest Expense	56.6%	61.8%	56.3%	27.7%	9.9%
net Interest Income net Interest Income	43.4%	38.2%	43.7%	72.3%	90.1%
Noninterest Income Total Noninterest Income	38.2%	31.3%	32.0%	58.6%	96.9%
Expenses Noninterest Expense	50.3%	45.6%	50.5%	84.7%	125.3%
Income Tax Income Tax Expense	5.2%	1.4%	1.4%	4.7%	4.2%
net Income Other Items Below Tax	-5.1%	-5.1%	-4.6%	-5.6%	6.7%
net Income net Income	22.0%	18.5%	20.4%	37.9%	67.1%
Earnings Per Share Diluted Eps	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%
Earnings Per Share Weighted Average Shares Diluted	5.5%	5.4%	6.2%	11.3%	18.0%

Cash Flow Statement

Operating, investing, and financing flows

13 accounts · 5 years

Operating cash flow $12.6B

Investing cash flow $-145.2B

Financing cash flow $69.9B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Cash From Operating Activities	9.1%	-6.0%	34.5%	-8.7%	-15.1%
Operating Activities net Income	22.0%	18.4%	20.2%	37.9%	67.1%
Operating Activities Depreciation and Amortization	1.7%	1.5%	1.6%	2.7%	4.0%
Operating Activities Stock Based Compensation	2.9%	2.3%	2.3%	3.9%	5.8%
Operating Activities Other Non Cash Items	-17.5%	-28.2%	10.5%	-53.3%	-92.0%
Investing Activities net Cash From Investing Activities	-104.8%	-61.9%	-27.2%	-3.5%	-657.2%
Investing Activities Other Investing Activities	-104.8%	-61.9%	-27.2%	-3.5%	-657.2%
Financing Activities net Cash From Financing Activities	50.5%	41.2%	71.7%	-146.1%	611.8%
Financing Activities Dividends Paid	-6.9%	-6.5%	-7.0%	-11.8%	-16.9%
Financing Activities Repurchase of Common Stock	-15.5%	-8.9%	-3.5%	-7.0%	-52.7%
Financing Activities Other Financing Activities	72.8%	56.6%	82.1%	-127.3%	681.4%
Cash Reconciliation Effect of Exchange Rate On Cash	3.1%	-2.6%	-0.1%	-4.3%	-7.1%
Cash Reconciliation net Change In Cash	-42.1%	-29.3%	79.0%	-162.6%	-67.6%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	+22.0%	+18.5%	+20.4%	+37.9%	+67.1%
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+24.1%	+45.4%	+36.2%	+0.6%	-10.6%
Returns
ROE	+10.1%	+9.2%	+9.1%	+10.1%	+11.8%
ROA	+0.9%	+0.8%	+0.8%	+0.9%	+1.0%
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	10.25x	10.09x	9.90x	10.17x	10.74x
Interest coverage	—	—	—	—	—
Efficiency
Asset turnover	0.04x	0.04x	0.04x	0.02x	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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