Bank of AmericaBAC
$438.3B market capBank of AmericaBACRevenue: is the business selling more than it used to?
$113.1B+7% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Revenue reached $113.1B in 2025, compounding +6% a year since 2022 and the pace is picking up. The trailing twelve months are already running at $119.2B, ahead of the last full year.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACNet income: how much of that revenue becomes profit?
$30.5B+13% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Net income was $30.5B in 2025, compounding +3% a year over three years. Trailing twelve-month profit stands at $33.6B.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACHow fast is it growing, year by year?
+6.8%revenue growth, FY 2025
→Revenue grew +7% in 2025 against a five-year average of +6%. Earnings grew faster (+13%), so each new dollar of sales is arriving more profitably.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACRevenue per share: is your slice growing as fast as the company?
$14.72revenue per share, FY 2025
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→Revenue per share reached $14.72 in 2025, compounding +8% a year against +6% for BAC as a whole. Buybacks added roughly 2.2 points to your per-share result.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACMargins: of every $1 of sales, how much survives each cost layer?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→Net margin stands at 27% in 2025. BAC doesn't break out gross or operating margin in its filings, so net is the only layer the data supports.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACWhat does it earn on the money it uses?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→BAC earns 11% on shareholders' capital. Return on capital employed isn't meaningful for this business model, so ROE carries the picture alone.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACWhat has the market paid for BAC over time?
14.3xP/E today
◌ 2026 = at the latest close (2026-09-04), over the trailing twelve months; earlier years are annual averages
→At 14.3x earnings, the market is paying +50% more than BAC's own 11-year median of 9.5x. Expectations are elevated, so more has to go right to justify the price. Today's multiple is the highest in the charted history.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACCould it handle its debt if things went wrong?
→Debt of $399.8B sits against $229.7B of cash, or 1.3x shareholders' equity.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACIs the company's own capital growing?
→The company's own capital grew from $290.2B in 2023 to $301.1B (+4%). The business is building book value rather than consuming it.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACHow much goes back, and how much leaks out as stock comp?
→Shareholders received $21.4B in buybacks and $1.7B in dividends in 2025. Stock compensation issued $4.0B of new shares in the same year, offsetting 17% of that.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACHow fast is your ownership being diluted - or concentrated?
→The share count shrank 3.2% in 2025, averaging 2.0% a year over three years. Buybacks are concentrating your ownership: the same business, split fewer ways.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACIs the dividend cheque growing?
→The dividend per share reached $0.15 in 2013, compounding -7% a year since 2011.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACCan it afford the dividend?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→The dividend consumed 16% of profit and 2% of free cash flow in 2013. That leaves room to keep paying through a weak year.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACDoes BAC earn more on its capital than that capital costs?
→BAC earns 10.1% on the capital it employs, comfortably above the 10% most investors treat as the cost of capital. It was 10.1% in 2022, so the trend is flat, and the pace is picking up.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACBAC has issued or retired shares - did shareholders end up better off?
→BAC has shrunk its share count -25% from 2011 to 2025, so each remaining share owns more of the business. Revenue per share is +62% over the same years.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACWhat does BAC earn on the money it lends out?
→BAC earns 1.76% on its assets after paying for deposits and other funding. That is below the 2.86% median of the largest US banks. The spread has widened from 1.72% in 2022. This spread is where a bank's profit begins, so it drives everything below.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACHow much does it cost to run the bank?
→It costs BAC 61.7% of every revenue dollar to run the bank, and lower is better here. Peers run at 65.4%, so BAC is the leaner operator. It has improved from 64.7% in 2022.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACIs it a lender, or a fee business?
→Roughly a third of BAC's revenue (47%) comes from fees rather than interest, on $113.1B of total revenue in 2025. The mix has tilted back towards lending since 2011, and fee income matters because it does not depend on interest rates.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACWhat is the bank setting aside for loans that go bad?
→BAC set aside $3.6B against expected credit losses in 2019, mid-range in its filed history. The sharpest move was 2008, when the charge went from $8.4B to $26.8B. Provisions rise before losses do, so this is the bank's own early read on borrower stress.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACIs the lending funded by its own depositors?
→BAC holds $2.02T of deposits in 2025, +95% since 2011. Deposits are a bank's cheapest funding, and depositors leaving is the first sign of real trouble. It lends out 59% of that, so the book is funded comfortably from deposits rather than borrowed money.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Bank of AmericaBACAre the people running it buying or selling?
→Insiders bought $252,935 and sold $7M on the open market, a net sale of $7M. A further 13 filings were grants, option exercises or tax withholding, which say nothing either way.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30