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Bank of America Corp.
BACFinancialsGenerated Jul 5, 2026, 08:09 PM UTC
BAC (Bank of America Corp.) analytical snapshot. Revenue grew +8.2% YoY to $102.77B. 5-year revenue CAGR +2.4%; 10y CAGR +2.0%. Net margin at 25.60% (expanding ▲). Market cap $416.78B at $58.73 per share. Trailing P/E 19.26, P/S 4.06, P/B 1.39. Graham number $53.92 (trades above intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 11 (data confidence 73%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFundamentals
Revenue grew +8.2% YoY to $102.77B. 5-year revenue CAGR +2.4%; 10y CAGR +2.0%. Net margin at 25.60% (expanding ▲).
- Revenue grew +8.2% YoY to $102.77B.
- 5-year revenue CAGR +2.4%; 10y CAGR +2.0%.
- Net margin at 25.60% (expanding ▲).
- Return on equity 9.63%, ROA 0.81%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income down ▼ +4.4% YoY.
- Debt/equity 1.08, current ratio —, net debt $24.96B.
- Asset turnover 0.03 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $85.89B | — | 0.00 | 0.00 | 6.43 | — | 2.37 |
| 2017 | $82.97B | -3.4% | 0.00 | 0.00 | 19.18 | — | 6.53 |
| 2018 | $83.70B | +0.9% | 0.00 | 0.00 | 21.29 | — | 6.97 |
| 2019 | $87.13B | +4.1% | 0.00 | 0.00 | 20.93 | — | 6.85 |
| 2020 | $91.02B | +4.5% | 0.00 | 0.00 | 30.92 | — | 10.54 |
| 2021 | $91.24B | +0.2% | 0.00 | 0.00 | 30.06 | — | 10.34 |
| 2022 | $85.53B | -6.3% | 0.00 | 0.00 | 20.92 | — | 6.76 |
| 2023 | $89.11B | +4.2% | 0.00 | 0.00 | 35.88 | — | 11.72 |
| 2024 | $94.95B | +6.6% | 0.00 | 0.00 | 28.99 | — | 10.19 |
| 2025 | $102.77B | +8.2% | 0.00 | 0.00 | 25.60 | — | 9.63 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2025 | $28.25B | +9.4% | — | 26.18% |
| Jun 30, 2025 | $53.83B | +5.1% | +90.6% | 26.96% |
| Jun 30, 2025 | $26.46B | -48.3% | -50.8% | 54.84% |
| Sep 30, 2025 | $81.92B | +7.0% | +209.6% | 28.05% |
| Sep 30, 2025 | $28.09B | -63.3% | -65.7% | 81.82% |
| Mar 31, 2026 | $30.27B | +10.6% | +7.8% | 28.36% |
Filings & Ownership
Recent insider Form 4s: 0 buy vs 0 sell transactions. ~10,000+ recent 13F-HR filings reference Bank of America Corp.; broad institutional reporting. Recent filers include FARR MILLER & WASHINGTON LLC/DC, MM Capital LLC, AYM CAPITAL, LLC.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference Bank of America Corp.; broad institutional reporting.
- Recent filers include FARR MILLER & WASHINGTON LLC/DC, MM Capital LLC, AYM CAPITAL, LLC.
- 20 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| FARR MILLER & WASHINGTON LLC/DC | 13F-HR | Feb 11, 2005 |
| MM Capital LLC | 13F-HR | Feb 16, 2010 |
| AYM CAPITAL, LLC | 13F-HR | Aug 15, 2011 |
| Emigrant Bancorp, Inc. | 13F-HR | Nov 14, 2005 |
| Clover Partner, L.P. | 13F-HR | Apr 12, 2005 |
SEC Filing Deep-Analysis
3 risk signal(s), 1 positive signal(s) detected from XBRL filing diff analysis. 3 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- NEW: Going concern doubt in latest filing: The term "going concern" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 1 filing(s).
- Material weakness in internal controls: The term "material weakness" appears in 22 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Restatement of financial statements: The term "restate" "financial statements" appears in 24 recent filing(s) (vs 3 in the prior period). This risk language is ongoing.
- Operating cash flow exceeds net income: OCF is 1.71x net income, indicating high earnings quality — cash conversion is strong and accruals are not inflating reported profits.
- Endogenous analysis: 3 risk signal(s) detected versus 1 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 2 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 1 new risk-language term(s) detected in filing text: Going concern doubt.
- Ongoing high-severity risk language: Material weakness in internal controls, Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $94.95B | $102.77B | $7.82B | +8.2% |
| Net income | $27.53B | $26.30B | $-1.22B | -4.4% |
| Operating cash flow | $-6.33B | $44.98B | $51.31B | +811.0% |
| Total assets | $3.18T | $3.26T | $81.15B | +2.6% |
| Total liabilities | $2.89T | $2.97T | $78.83B | +2.7% |
| Long-term debt | $302.20B | $283.28B | $-18.93B | -6.3% |
| Cash & equivalents | $159.35B | $177.40B | $18.05B | +11.3% |
| Stockholders equity | $270.07B | $273.20B | $3.13B | +1.2% |
| Interest expense | $8.22B | $4.74B | $-3.49B | -42.4% |
| Type | Concepts |
|---|---|
| Added | DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, LossContingencyAccrualPayments |
| Removed | AllocatedShareBasedCompensationExpense, CashSegregatedUnderOtherRegulations, CommercialPaper, CommonStockDividendsPerShareCashPaid, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 1 | 0 | NEW |
| Material weakness in internal controls | high | 22 | 2 | Ongoing |
| Restatement of financial statements | high | 24 | 3 | Ongoing |
| Impairment charge | medium | 51 | 3 | Ongoing |
| Restructuring | medium | 125 | 11 | Ongoing |
| Off-balance sheet arrangements | medium | 114 | 8 | Ongoing |
| Related party transactions | low | 15 | 2 | Ongoing |
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- ProValuationMarket cap $416.78B at $58.73 per share.
- ProPrice & TechnicalsPrice $58.73 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Bank of America Corp. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewRevenue grew **+8.2%** YoY to $102.77B..
Peer comparison
Rate-sensitive groupHow BAC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC● you | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| NextEra Energy NEE | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |
| Southern Company SO | — | Neutral |
| Truist Financial TFC | — | Neutral |