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

Year-over-year change per cell; first column has no prior.

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	-20.1%	-12.9%	+44.7%	-33.9%	-8.5%	+135.5%	-54.5%	+125.4%	-46.7%	—
Investment Securities	+4.9%	+7.2%	-0.9%	-5.8%	+39.2%	+25.9%	-18.3%	-21.1%	+78.4%	—
Loans net	+8.3%	+4.1%	+0.7%	+6.9%	+4.2%	-5.7%	+4.9%	+1.2%	+3.5%	—
Property,Plant and Equipment	+2.9%	+2.6%	+3.0%	+6.2%	-1.5%	+4.2%	+6.6%	+7.1%	+1.2%	—
Goodwill	+0.0%	+0.0%	-0.0%	+0.0%	+0.1%	+0.0%	+0.0%	+0.0%	-0.0%	—
Other Assets	+10.0%	-0.2%	+5.2%	+0.7%	-0.5%	+7.9%	+2.5%	+7.8%	+0.8%	—
Total Assets	+4.6%	+2.6%	+4.2%	-3.7%	+12.4%	+15.8%	+3.4%	+3.2%	+4.3%	—
Liabilities
Deposits	+2.7%	+2.2%	-0.3%	-6.5%	+15.0%	+25.1%	+3.9%	+5.5%	+3.9%	—
Short Term Borrowings	+3.9%	+16.9%	+45.1%	+1.7%	+12.9%	+3.2%	-11.7%	+5.7%	+3.9%	—
Long Term Debt	+12.2%	-6.3%	+9.5%	-1.5%	+6.5%	+9.2%	+5.0%	+0.9%	+4.9%	—
Other Liabilities	+10.4%	+2.2%	+0.6%	+3.8%	+14.0%	-3.2%	+12.8%	-3.0%	+9.7%	—
Total Liabilities	+4.8%	+2.7%	+4.0%	-4.2%	+13.9%	+17.4%	+3.8%	+3.7%	+4.8%	—
Equity
Total Stockholders Equity	+3.2%	+0.8%	+6.8%	+1.2%	-1.0%	+3.1%	-0.2%	-0.7%	+0.4%	—
Common Stock	-42.5%	-19.6%	-4.4%	-5.5%	-27.4%	-6.3%	-22.9%	-13.9%	-6.1%	—
Retained Earnings	+8.7%	+7.2%	+8.5%	+10.1%	+14.6%	+5.0%	+14.7%	+19.8%	+12.4%	—
Accumulated Other Comprehensive Income	+31.1%	+14.1%	+15.9%	-314.5%	-208.2%	+75.0%	+45.7%	-72.4%	+2.8%	—
Preferred Stock	+12.2%	-18.4%	+0.0%	+14.9%	+0.8%	+4.7%	+4.8%	+0.0%	-11.5%	—
Total Liabilitiesand Equity	+4.6%	+2.6%	+4.2%	-3.7%	+12.4%	+15.8%	+3.4%	+3.2%	+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	-5.5%	+12.5%	+79.5%	+52.2%	-7.6%	-27.6%	+6.7%	+16.0%	+12.8%	—
Interest Expense Interest Expense	-13.3%	+23.5%	+264.8%	+324.3%	-42.4%	-63.2%	+20.1%	+50.8%	+23.9%	—
net Interest Income net Interest Income	+7.2%	-1.5%	+8.5%	+22.2%	-1.0%	-11.3%	+1.5%	+6.5%	+10.1%	—
Noninterest Income Total Noninterest Income	+15.7%	+10.0%	-2.0%	-8.0%	+9.5%	-0.4%	-1.2%	+2.3%	-1.7%	—
Expenses Noninterest Expense	+4.4%	+1.5%	+7.2%	+2.9%	+8.2%	+0.6%	+3.3%	-2.5%	-0.8%	—
Income Tax Income Tax Expense	+238.6%	+16.1%	-46.9%	+72.2%	+81.5%	-79.3%	-17.3%	-41.4%	+51.5%	—
net Income Other Items Below Tax	+4.3%	-23.3%	-49.0%	-227.8%	+124.9%	-153.7%	-26.8%	-145.4%	-895.1%	—
net Income net Income	+12.4%	+2.3%	-3.7%	-13.9%	+78.7%	-34.8%	-2.5%	+54.4%	+1.8%	—
Earnings Per Share Diluted Eps	+18.7%	+4.2%	-3.4%	-10.6%	+90.9%	-32.0%	+5.4%	+67.3%	+4.0%	—
Earnings Per Share Basic Eps	+18.8%	+4.8%	-3.4%	-10.8%	+91.5%	-32.1%	+4.9%	+62.0%	+3.2%	—
Earnings Per Share Weighted Average Shares Diluted	-3.2%	-1.8%	-1.1%	-4.6%	-2.7%	-6.8%	-7.8%	-5.0%	-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	+243.2%	-119.6%	+811.0%	+12.0%	-118.9%	-38.5%	+56.3%	+300.6%	-42.9%	—
Operating Activities net Income	+13.1%	+2.5%	-4.4%	-13.9%	+78.7%	-34.8%	-2.5%	+54.4%	+2.3%	—
Operating Activities Depreciation and Amortization	+5.7%	+6.4%	+4.0%	+4.2%	+3.0%	+6.6%	-16.2%	-1.9%	-6.2%	—
Operating Activities Stock Based Compensation	+16.5%	+16.7%	+2.8%	+3.4%	+36.3%	+2.9%	+14.2%	+4.9%	+20.6%	—
Operating Activities Other Non Cash Items	+41.5%	-402.7%	+135.3%	+11.7%	-370.2%	-47.1%	+304.2%	+162.6%	-191.7%	—
Investing Activities net Cash From Investing Activities	-60.1%	-156.3%	-1299.2%	+99.2%	-76.3%	-120.3%	-12.8%	-38.7%	+17.2%	—
Investing Activities Other Investing Activities	-60.1%	-156.3%	-1299.2%	+99.2%	-76.3%	-120.3%	-12.8%	-38.7%	+17.2%	—
Financing Activities net Cash From Financing Activities	+15.9%	-35.3%	+188.0%	-136.4%	-18.0%	+10436.5%	-93.6%	+7.8%	+48.6%	—
Financing Activities Dividends Paid	-0.6%	-4.6%	-6.0%	-6.5%	-4.2%	-30.2%	+13.9%	-21.0%	-35.9%	—
Financing Activities Repurchase of Common Stock	-63.6%	-186.4%	+9.8%	+79.8%	-257.7%	+75.0%	-40.1%	-56.8%	-150.7%	—
Financing Activities Other Financing Activities	+21.7%	-22.5%	+215.8%	-128.4%	-12.3%	+889.4%	-53.2%	+18.2%	+59.6%	—
Cash Reconciliation Effect of Exchange Rate On Cash	+213.0%	-5371.4%	+97.8%	+8.4%	-223.7%	+848.9%	+69.3%	-157.0%	+777.1%	—
Cash Reconciliation net Change In Cash	-35.6%	-141.8%	+187.2%	-266.0%	-114.7%	+1481.6%	-179.3%	+106.0%	+183.5%	—

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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