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Bank of America Corp.
BACFinancialsGenerated Sep 5, 2026, 02:19 PM UTC
BAC (Bank of America Corp.) analytical snapshot. Revenue grew +11.0% YoY to $113.10B. 5-year revenue CAGR +4.9%; 10y CAGR +3.4%. Net margin at 26.98% (contracting ▼). Market cap $438.31B at $62.68 per share. Trailing P/E 16.45, P/S 3.88, P/B 1.46. Graham number $60.75 (trades above intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 0 (data confidence 73%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & 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
2 risk signal(s) detected from XBRL filing diff analysis. 2 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Material weakness in internal controls: The term "material weakness" "internal control" appears in 2 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 5 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- Endogenous analysis: 2 risk signal(s) detected versus 0 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.
- Ongoing high-severity risk language: Material weakness in internal controls, Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $101.89B | $113.10B | $11.21B | +11.0% |
| Net income | $27.13B | $30.51B | $3.38B | +12.4% |
| Operating cash flow | $-8.80B | $12.61B | $21.42B | +243.2% |
| Total assets | $3.26T | $3.41T | $150.22B | +4.6% |
| Total liabilities | $2.97T | $3.11T | $142.53B | +4.8% |
| Long-term debt | $283.28B | $317.82B | $34.54B | +12.2% |
| Cash & equivalents | $290.11B | $231.84B | $-58.27B | -20.1% |
| Stockholders equity | $295.56B | $303.24B | $7.68B | +2.6% |
| Interest expense | $20.10B | $73.33B | $53.23B | +264.8% |
| Type | Concepts |
|---|---|
| Added | DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss, LossContingencyAccrualPayments |
| Removed | AllocatedShareBasedCompensationExpense, CashSegregatedUnderOtherRegulations, CommercialPaper, CommonStockDividendsPerShareCashPaid, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Material weakness in internal controls | high | 2 | 2 | Ongoing |
| Restatement of financial statements | high | 5 | 1 | Ongoing |
| Impairment charge | medium | 5 | 2 | Ongoing |
| Restructuring | medium | 5 | 11 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 5 | 2 | Ongoing |
Fundamentals
Revenue grew +11.0% YoY to $113.10B. 5-year revenue CAGR +4.9%; 10y CAGR +3.4%. Net margin at 26.98% (contracting ▼).
- Revenue grew +11.0% YoY to $113.10B.
- 5-year revenue CAGR +4.9%; 10y CAGR +3.4%.
- Net margin at 26.98% (contracting ▼).
- Return on equity 10.06%, ROA 0.89%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income up ▲ +12.4% YoY.
- Debt/equity 1.13, current ratio —, net debt $38.86B.
- Asset turnover 0.03 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $101.89B | +3.4% | 0.00 | 0.00 | 26.63 | — | 9.18 |
| 2025 | $113.10B | +11.0% | 0.00 | 0.00 | 26.98 | — | 10.06 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Sep 30, 2024 | $25.34B | +0.7% | — | 27.21% |
| Mar 31, 2025 | $28.25B | +9.4% | +11.4% | 26.06% |
| Jun 30, 2025 | $27.44B | +8.1% | -2.8% | 26.13% |
| Sep 30, 2025 | $28.09B | +10.8% | +2.4% | 30.15% |
| Mar 31, 2026 | $30.27B | +7.2% | +7.8% | 28.36% |
| Jun 30, 2026 | $31.56B | +15.0% | +4.2% | 28.75% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $438.31B at $62.68 per share. Trailing P/E 16.45, P/S 3.88, P/B 1.46. Graham number $60.75 (trades above intrinsic).
- Market cap $438.31B at $62.68 per share.
Price & Technicals
Price $62.68 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 42.31.
- Price $62.68 — uptrend (above 200-DMA); 1-month momentum negative.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Elevated. Leverage debt/equity 1.13 (moderate). Earnings stability: net-margin stdev 11.48pp over 19y.
- Composite 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 previewPrice $62.68 — uptrend (above 200-DMA); 1-month momentum negative..
Peer comparison
Rate-sensitive groupHow BAC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| CME Group Inc. CME | 32 | Neutral |
| Allstate Corp. ALL | 28 | Neutral |
| Mastercard Inc. MA | 27 | Neutral |
| Visa Inc. V | 24 | Neutral |
| Charles Schwab Corp. SCHW | 19 | Neutral |
| Capital One Financial COF | 19 | Neutral |
| Digital Realty Trust DLR | 11 | Neutral |
| U.S. Bancorp USB | 10 | Neutral |
| Simon Property Group SPG | 10 | Neutral |
| Chubb Ltd. CB | 8 | Neutral |
| Dominion Energy D | 8 | Neutral |
| Travelers Cos. TRV | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| American Express Co. AXP | 5 | Neutral |
| Moody's Corp. MCO | 5 | Neutral |
| Welltower Inc. WELL | 5 | Neutral |
| JPMorgan Chase & Co. JPM | 4 | Neutral |
| Truist Financial TFC | 2 | Neutral |
| Wells Fargo & Co. WFC | 1 | Neutral |
| Bank of America Corp. BAC● you | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| PNC Financial Services PNC | -2 | Neutral |
| Citigroup Inc. C | -2 | Neutral |
| BlackRock Inc. BLK | -2 | Neutral |
| Prologis Inc. PLD | -2 | Neutral |
| Goldman Sachs Group GS | -4 | Neutral |
| American Tower Corp. AMT | -4 | Neutral |
| American Water Works AWK | -5 | Neutral |
| S&P Global SPGI | -5 | Neutral |
| American Electric Power AEP | -9 | Neutral |
| Public Storage PSA | -10 | Neutral |
| Equinix Inc. EQIX | -10 | Neutral |
| Morgan Stanley MS | -11 | Neutral |
| Realty Income Corp. O | -12 | Neutral |
| NextEra Energy NEE | -13 | Neutral |
| Duke Energy Corp. DUK | -14 | Neutral |
| Xcel Energy XEL | -17 | Neutral |
| Southern Company SO | -17 | Neutral |
| Exelon Corp. EXC | -19 | Neutral |
| Crown Castle Inc. CCI | -21 | Neutral |
| American International Group AIG | -25 | Neutral |