Bank of America Corporation (BAC) 10-Year Financial Performance & Capital Metrics

BAC • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

AboutBank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina.Show more

Net Interest Income $60.1B +7.2%
Total Revenue $188.75B -1.9%
Net Income $30.63B +12.9%
Return on Equity 10.23% +10.7%
Net Interest Margin 1.76% +2.5%
Efficiency Ratio 36.94% +6.4%
ROA 0.92% +9.0%
Equity / Assets 8.89% -1.9%
Book Value per Share 40.18 +6.6%
Tangible BV/Share 31.04 +7.5%
Debt/Equity 1.21 -45.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 36.9% efficiency ratio
✓Healthy dividend yield of 2.5%
✓Share count reduced 3.8% through buybacks
✓Trading at only 1.2x book value

✗Weaknesses

✗Weak NIM of 1.8%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y7.28%

5Y15.02%

3Y17.94%

TTM-

Profit (Net Income) CAGR

10Y6.77%

5Y11.35%

3Y3.62%

TTM12.89%

EPS CAGR

10Y11.3%

5Y15.36%

3Y6.19%

TTM18.63%

ROCE

10Y Avg4.89%

5Y Avg4.52%

3Y Avg3.86%

Latest4.15%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	41.1B	45.24B	48.16B	48.89B	43.36B	42.93B	52.46B	56.93B	56.06B	60.1B
NII Growth %	5.49%	10.08%	6.46%	1.51%	-11.31%	-0.98%	22.19%	8.52%	-1.53%	7.2%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	51.06B	57.58B	66.77B	71.24B	51.59B	47.67B	72.56B	130.26B	146.61B	138.57B
Interest Expense	9.96B	12.34B	18.61B	22.34B	8.22B	4.74B	20.1B	73.33B	90.55B	78.47B
Loan Loss Provision	3.6B	3.4B	3.28B	3.59B	11.32B	-4.59B	2.54B	4.39B	5.82B	5.67B
Non-Interest Income+	42.6B	41.89B	42.86B	42.35B	42.17B	46.18B	42.49B	41.65B	45.83B	50.19B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	93.66B	99.47B	109.63B	113.59B	93.75B	93.85B	115.05B	171.91B	192.43B	188.75B
Revenue Growth %	0.16%	6.2%	10.22%	3.61%	-17.46%	0.1%	22.59%	49.42%	11.94%	-1.91%
Non-Interest Expense	55.08B	54.52B	53.15B	54.9B	55.21B	59.73B	61.44B	65.84B	66.81B	69.73B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	25.02B	29.21B	34.58B	32.75B	19B	33.98B	30.97B	28.34B	29.25B	34.88B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	12.77%	16.75%	18.39%	-5.29%	-42.01%	78.87%	-8.85%	-8.48%	3.22%	19.24%
Pretax Income+	25.02B	29.21B	34.58B	32.75B	19B	33.98B	30.97B	28.34B	29.25B	34.88B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.2B	10.98B	6.44B	5.32B	1.1B	2B	3.44B	1.83B	2.12B	4.25B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	17.82B	18.23B	28.15B	27.43B	17.89B	31.98B	27.53B	26.52B	27.13B	30.63B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	12.02%	2.3%	54.38%	-2.55%	-34.76%	78.71%	-13.92%	-3.68%	2.33%	12.89%
Net Income (Continuing)	17.82B	18.23B	28.15B	27.43B	17.89B	31.98B	27.53B	26.52B	27.13B	30.63B
EPS (Diluted)+	1.50	1.56	2.61	2.75	1.87	3.57	3.19	3.08	3.22	3.82
EPS Growth %	14.5%	4%	67.31%	5.36%	-32%	90.91%	-10.64%	-3.45%	4.55%	18.63%
EPS (Basic)	1.58	1.63	2.64	2.77	1.88	3.60	3.21	3.10	3.25	3.88
Diluted Shares Outstanding	11.05B	10.78B	10.24B	9.44B	8.8B	8.56B	8.17B	8.08B	7.84B	7.55B

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	451.54B	471.22B	414.26B	414.31B	621.5B	654.54B	458.25B	608.07B	642.92B	963.73B
Cash & Due from Banks	157.6B	168.59B	184.9B	168.67B	387.01B	355.37B	237.46B	341.42B	296.49B	231.84B
Short Term Investments	293.94B	302.63B	229.37B	245.64B	234.49B	299.18B	220.79B	266.65B	346.43B	731.89B
Total Investments+	1.37T	1.39T	1.41T	1.48T	1.63T	1.99T	1.94T	1.94T	2.03T	2.83T
Investments Growth %	2.84%	2.02%	1.22%	4.63%	10.65%	21.56%	-2.41%	0.23%	4.76%	39.09%
Long-Term Investments	1.07T	1.09T	1.18T	1.23T	1.4T	1.69T	1.72T	1.68T	1.69T	2.1T
Accounts Receivables	58.76B	61.62B	65.81B	55.94B	64.22B	72.26B	67.54B	81.88B	82.25B	98.19B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	68.97B	68.95B	68.95B	68.95B	68.95B	69.02B	69.02B	69.02B	69.02B	69.02B
Intangible Assets	2.75B	2.3B	0	0	0	0	0	0	0	0
PP&E (Net)	9.14B	9.25B	9.91B	10.56B	11B	10.83B	11.51B	11.86B	12.17B	12.52B
Other Assets	502.43B	557.15B	591.8B	634.11B	638.12B	661.67B	714.44B	718.85B	751.23B	163.64B
Total Current Assets	532.53B	554.8B	502.46B	489.96B	702.66B	741.56B	539.38B	704.76B	740.84B	1.07T
Total Non-Current Assets	1.66T	1.73T	1.85T	1.94T	2.12T	2.43T	2.51T	2.48T	2.52T	2.34T
Total Assets+	2.19T	2.28T	2.35T	2.43T	2.82T	3.17T	3.05T	3.18T	3.26T	3.41T
Asset Growth %	2.04%	4.26%	3.21%	3.38%	15.84%	12.41%	-3.73%	4.22%	2.56%	4.56%
Return on Assets (ROA)	0.82%	0.82%	1.21%	1.15%	0.68%	1.07%	0.89%	0.85%	0.84%	0.92%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	411.06B	436.93B	436.57B	430.17B	452.58B	496.2B	498.55B	618.19B	658.43B	365.9B
Net Debt	253.46B	268.35B	251.67B	261.5B	65.57B	140.83B	261.09B	276.77B	361.94B	134.06B
Long-Term Debt	216.82B	227.4B	229.39B	240.86B	262.93B	280.12B	275.98B	302.2B	283.28B	317.82B
Short-Term Debt	194.24B	209.53B	207.18B	189.31B	189.64B	216.08B	222.57B	315.99B	375.15B	48.09B
Other Liabilities	39.48B	34.3B	37.89B	38.23B	47.4B	39.13B	46.36B	250.96B	249.52B	229.73B
Total Current Liabilities	1.67T	1.75T	1.82T	1.89T	2.24T	2.58T	2.46T	2.34T	2.43T	2.56T
Total Non-Current Liabilities	256.3B	261.7B	267.28B	279.08B	310.34B	319.25B	322.34B	553.16B	532.8B	547.55B
Total Liabilities	1.92T	2.01T	2.09T	2.17T	2.55T	2.9T	2.78T	2.89T	2.97T	3.11T
Total Equity+	266.19B	267.15B	265.32B	264.81B	272.92B	270.07B	273.2B	291.65B	295.56B	303.24B
Equity Growth %	3.91%	0.36%	-0.68%	-0.19%	3.06%	-1.05%	1.16%	6.75%	1.34%	2.6%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	6.82%	6.84%	10.57%	10.35%	6.66%	11.78%	10.13%	9.39%	9.24%	10.23%
Book Value per Share	24.10	24.79	25.92	28.04	31.03	31.56	33.45	36.09	37.68	40.18
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	147.04B	138.09B	118.9B	91.72B	85.98B	62.4B	58.95B	56.37B	45.34B	26.08B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	101.22B	113.82B	136.31B	156.32B	164.09B	188.06B	207B	224.67B	242.35B	261.69B
Accumulated OCI	-7.29B	-7.08B	-12.21B	-6.63B	-1.66B	-5.1B	-21.16B	-17.79B	-15.29B	-10.53B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	25.22B	22.32B	22.33B	23.4B	24.51B	24.71B	28.4B	28.4B	23.16B	25.99B

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	17.28B	9.86B	39.52B	61.78B	37.99B	-7.19B	-6.33B	44.98B	-8.8B	12.61B
Operating CF Growth %	-39.16%	-42.91%	300.65%	56.32%	-38.5%	-118.93%	12.04%	810.95%	-119.57%	243.25%
Net Income	17.91B	18.23B	28.15B	27.43B	17.89B	31.98B	27.53B	26.52B	27.13B	30.51B
Depreciation & Amortization	2.24B	2.1B	2.06B	1.73B	1.84B	1.9B	1.98B	2.06B	2.19B	2.31B
Deferred Taxes	5.84B	8.18B	3.04B	2.44B	-1.74B	-838M	739M	-2.01B	-1.73B	295M
Other Non-Cash Items	6.83B	9.79B	3.28B	15.04B	18.29B	-3.08B	12.51B	12.75B	8.72B	-24.51B
Working Capital Changes	-16.77B	-30.08B	1.26B	13.17B	-326M	-39.92B	-51.94B	2.73B	-48.55B	0
Cash from Investing+	-62.28B	-51.54B	-71.47B	-80.63B	-177.66B	-313.29B	-2.53B	-35.39B	-90.69B	-145.16B
Purchase of Investments	-228.96B	-192.06B	-112.62B	-189.9B	-452.41B	-601.13B	-159.06B	-291.06B	-390.91B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-32.14B	-43.36B	-61.27B	-56.62B	12.3B	-3.55B	-86.63B	-31.15B	-42.24B	-154.75B
Cash from Financing+	32.98B	49.2B	53.12B	3.38B	355.82B	291.65B	-106.04B	93.34B	60.37B	69.95B
Dividends Paid	-4.19B	-5.7B	-6.89B	-5.93B	-7.73B	-8.05B	-8.58B	-9.09B	-9.5B	-9.56B
Share Repurchases	-5.11B	-12.81B	-24.61B	-28.14B	-7.03B	-25.13B	-5.07B	-4.58B	-13.1B	-21.43B
Stock Issued	0	0	4.51B	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	1000K	1000K	1000K	1000K	-1000K	0
Other Financing	59.61B	55.24B	81.35B	30.75B	366.4B	290.55B	-131.2B	81.02B	89.38B	100.94B
Net Change in Cash+	-11.62B	9.7B	19.97B	-15.84B	218.9B	-32.24B	-118.02B	102.87B	-42.96B	-58.27B
Exchange Rate Effect	1000K	1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K
Cash at Beginning	159.35B	147.74B	157.43B	177.4B	161.56B	380.46B	348.22B	230.2B	333.07B	0
Cash at End	147.74B	157.43B	177.4B	161.56B	380.46B	348.22B	230.2B	333.07B	290.11B	-58.27B
Interest Paid	10.51B	12.85B	19.09B	22.2B	8.66B	4.51B	18.53B	69.6B	89.69B	0
Income Taxes Paid	1.04B	3.23B	2.47B	4.36B	2.89B	2.76B	2.29B	3.4B	3.82B	0
Free Cash Flow+	17.28B	9.86B	39.52B	61.78B	37.99B	-7.19B	-6.33B	44.98B	-8.8B	12.61B
FCF Growth %	-39.16%	-42.91%	300.65%	56.32%	-38.5%	-118.93%	12.04%	810.95%	-119.57%	243.25%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.82%	6.84%	10.57%	10.35%	6.66%	11.78%	10.13%	9.39%	9.24%	10.23%
Return on Assets (ROA)	0.82%	0.82%	1.21%	1.15%	0.68%	1.07%	0.89%	0.85%	0.84%	0.92%
Net Interest Margin	1.88%	1.98%	2.05%	2.01%	1.54%	1.35%	1.72%	1.79%	1.72%	1.76%
Efficiency Ratio	58.81%	54.81%	48.49%	48.33%	58.89%	63.64%	53.4%	38.3%	34.72%	36.94%
Equity / Assets	12.17%	11.71%	11.27%	10.88%	9.68%	8.52%	8.95%	9.17%	9.06%	8.89%
Book Value / Share	24.1	24.79	25.92	28.04	31.03	31.56	33.45	36.09	37.68	40.18
NII Growth	5.49%	10.08%	6.46%	1.51%	-11.31%	-0.98%	22.19%	8.52%	-1.53%	7.2%
Dividend Payout	23.53%	31.26%	24.5%	21.63%	43.18%	25.19%	31.15%	34.27%	35.03%	31.22%

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Bank of America Corporation (BAC) 10-Year Financial Performance & Capital Metrics

BAC • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

Net Interest Income $60.1B +7.2%
Total Revenue $188.75B -1.9%
Net Income $30.63B +12.9%
Return on Equity 10.23% +10.7%
Net Interest Margin 1.76% +2.5%
Efficiency Ratio 36.94% +6.4%
ROA 0.92% +9.0%
Equity / Assets 8.89% -1.9%
Book Value per Share 40.18 +6.6%
Tangible BV/Share 31.04 +7.5%
Debt/Equity 1.21 -45.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 36.9% efficiency ratio
✓Healthy dividend yield of 2.5%
✓Share count reduced 3.8% through buybacks
✓Trading at only 1.2x book value

✗Weaknesses

✗Weak NIM of 1.8%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y7.28%

5Y15.02%

3Y17.94%

TTM-

Profit (Net Income) CAGR

10Y6.77%

5Y11.35%

3Y3.62%

TTM12.89%

EPS CAGR

10Y11.3%

5Y15.36%

3Y6.19%

TTM18.63%

ROCE

10Y Avg4.89%

5Y Avg4.52%

3Y Avg3.86%

Latest4.15%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	41.1B	45.24B	48.16B	48.89B	43.36B	42.93B	52.46B	56.93B	56.06B	60.1B
NII Growth %	5.49%	10.08%	6.46%	1.51%	-11.31%	-0.98%	22.19%	8.52%	-1.53%	7.2%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	51.06B	57.58B	66.77B	71.24B	51.59B	47.67B	72.56B	130.26B	146.61B	138.57B
Interest Expense	9.96B	12.34B	18.61B	22.34B	8.22B	4.74B	20.1B	73.33B	90.55B	78.47B
Loan Loss Provision	3.6B	3.4B	3.28B	3.59B	11.32B	-4.59B	2.54B	4.39B	5.82B	5.67B
Non-Interest Income+	42.6B	41.89B	42.86B	42.35B	42.17B	46.18B	42.49B	41.65B	45.83B	50.19B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	93.66B	99.47B	109.63B	113.59B	93.75B	93.85B	115.05B	171.91B	192.43B	188.75B
Revenue Growth %	0.16%	6.2%	10.22%	3.61%	-17.46%	0.1%	22.59%	49.42%	11.94%	-1.91%
Non-Interest Expense	55.08B	54.52B	53.15B	54.9B	55.21B	59.73B	61.44B	65.84B	66.81B	69.73B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	25.02B	29.21B	34.58B	32.75B	19B	33.98B	30.97B	28.34B	29.25B	34.88B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	12.77%	16.75%	18.39%	-5.29%	-42.01%	78.87%	-8.85%	-8.48%	3.22%	19.24%
Pretax Income+	25.02B	29.21B	34.58B	32.75B	19B	33.98B	30.97B	28.34B	29.25B	34.88B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	7.2B	10.98B	6.44B	5.32B	1.1B	2B	3.44B	1.83B	2.12B	4.25B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	17.82B	18.23B	28.15B	27.43B	17.89B	31.98B	27.53B	26.52B	27.13B	30.63B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	12.02%	2.3%	54.38%	-2.55%	-34.76%	78.71%	-13.92%	-3.68%	2.33%	12.89%
Net Income (Continuing)	17.82B	18.23B	28.15B	27.43B	17.89B	31.98B	27.53B	26.52B	27.13B	30.63B
EPS (Diluted)+	1.50	1.56	2.61	2.75	1.87	3.57	3.19	3.08	3.22	3.82
EPS Growth %	14.5%	4%	67.31%	5.36%	-32%	90.91%	-10.64%	-3.45%	4.55%	18.63%
EPS (Basic)	1.58	1.63	2.64	2.77	1.88	3.60	3.21	3.10	3.25	3.88
Diluted Shares Outstanding	11.05B	10.78B	10.24B	9.44B	8.8B	8.56B	8.17B	8.08B	7.84B	7.55B

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	451.54B	471.22B	414.26B	414.31B	621.5B	654.54B	458.25B	608.07B	642.92B	963.73B
Cash & Due from Banks	157.6B	168.59B	184.9B	168.67B	387.01B	355.37B	237.46B	341.42B	296.49B	231.84B
Short Term Investments	293.94B	302.63B	229.37B	245.64B	234.49B	299.18B	220.79B	266.65B	346.43B	731.89B
Total Investments+	1.37T	1.39T	1.41T	1.48T	1.63T	1.99T	1.94T	1.94T	2.03T	2.83T
Investments Growth %	2.84%	2.02%	1.22%	4.63%	10.65%	21.56%	-2.41%	0.23%	4.76%	39.09%
Long-Term Investments	1.07T	1.09T	1.18T	1.23T	1.4T	1.69T	1.72T	1.68T	1.69T	2.1T
Accounts Receivables	58.76B	61.62B	65.81B	55.94B	64.22B	72.26B	67.54B	81.88B	82.25B	98.19B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	68.97B	68.95B	68.95B	68.95B	68.95B	69.02B	69.02B	69.02B	69.02B	69.02B
Intangible Assets	2.75B	2.3B	0	0	0	0	0	0	0	0
PP&E (Net)	9.14B	9.25B	9.91B	10.56B	11B	10.83B	11.51B	11.86B	12.17B	12.52B
Other Assets	502.43B	557.15B	591.8B	634.11B	638.12B	661.67B	714.44B	718.85B	751.23B	163.64B
Total Current Assets	532.53B	554.8B	502.46B	489.96B	702.66B	741.56B	539.38B	704.76B	740.84B	1.07T
Total Non-Current Assets	1.66T	1.73T	1.85T	1.94T	2.12T	2.43T	2.51T	2.48T	2.52T	2.34T
Total Assets+	2.19T	2.28T	2.35T	2.43T	2.82T	3.17T	3.05T	3.18T	3.26T	3.41T
Asset Growth %	2.04%	4.26%	3.21%	3.38%	15.84%	12.41%	-3.73%	4.22%	2.56%	4.56%
Return on Assets (ROA)	0.82%	0.82%	1.21%	1.15%	0.68%	1.07%	0.89%	0.85%	0.84%	0.92%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	411.06B	436.93B	436.57B	430.17B	452.58B	496.2B	498.55B	618.19B	658.43B	365.9B
Net Debt	253.46B	268.35B	251.67B	261.5B	65.57B	140.83B	261.09B	276.77B	361.94B	134.06B
Long-Term Debt	216.82B	227.4B	229.39B	240.86B	262.93B	280.12B	275.98B	302.2B	283.28B	317.82B
Short-Term Debt	194.24B	209.53B	207.18B	189.31B	189.64B	216.08B	222.57B	315.99B	375.15B	48.09B
Other Liabilities	39.48B	34.3B	37.89B	38.23B	47.4B	39.13B	46.36B	250.96B	249.52B	229.73B
Total Current Liabilities	1.67T	1.75T	1.82T	1.89T	2.24T	2.58T	2.46T	2.34T	2.43T	2.56T
Total Non-Current Liabilities	256.3B	261.7B	267.28B	279.08B	310.34B	319.25B	322.34B	553.16B	532.8B	547.55B
Total Liabilities	1.92T	2.01T	2.09T	2.17T	2.55T	2.9T	2.78T	2.89T	2.97T	3.11T
Total Equity+	266.19B	267.15B	265.32B	264.81B	272.92B	270.07B	273.2B	291.65B	295.56B	303.24B
Equity Growth %	3.91%	0.36%	-0.68%	-0.19%	3.06%	-1.05%	1.16%	6.75%	1.34%	2.6%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	6.82%	6.84%	10.57%	10.35%	6.66%	11.78%	10.13%	9.39%	9.24%	10.23%
Book Value per Share	24.10	24.79	25.92	28.04	31.03	31.56	33.45	36.09	37.68	40.18
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	147.04B	138.09B	118.9B	91.72B	85.98B	62.4B	58.95B	56.37B	45.34B	26.08B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	101.22B	113.82B	136.31B	156.32B	164.09B	188.06B	207B	224.67B	242.35B	261.69B
Accumulated OCI	-7.29B	-7.08B	-12.21B	-6.63B	-1.66B	-5.1B	-21.16B	-17.79B	-15.29B	-10.53B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	25.22B	22.32B	22.33B	23.4B	24.51B	24.71B	28.4B	28.4B	23.16B	25.99B

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	17.28B	9.86B	39.52B	61.78B	37.99B	-7.19B	-6.33B	44.98B	-8.8B	12.61B
Operating CF Growth %	-39.16%	-42.91%	300.65%	56.32%	-38.5%	-118.93%	12.04%	810.95%	-119.57%	243.25%
Net Income	17.91B	18.23B	28.15B	27.43B	17.89B	31.98B	27.53B	26.52B	27.13B	30.51B
Depreciation & Amortization	2.24B	2.1B	2.06B	1.73B	1.84B	1.9B	1.98B	2.06B	2.19B	2.31B
Deferred Taxes	5.84B	8.18B	3.04B	2.44B	-1.74B	-838M	739M	-2.01B	-1.73B	295M
Other Non-Cash Items	6.83B	9.79B	3.28B	15.04B	18.29B	-3.08B	12.51B	12.75B	8.72B	-24.51B
Working Capital Changes	-16.77B	-30.08B	1.26B	13.17B	-326M	-39.92B	-51.94B	2.73B	-48.55B	0
Cash from Investing+	-62.28B	-51.54B	-71.47B	-80.63B	-177.66B	-313.29B	-2.53B	-35.39B	-90.69B	-145.16B
Purchase of Investments	-228.96B	-192.06B	-112.62B	-189.9B	-452.41B	-601.13B	-159.06B	-291.06B	-390.91B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-32.14B	-43.36B	-61.27B	-56.62B	12.3B	-3.55B	-86.63B	-31.15B	-42.24B	-154.75B
Cash from Financing+	32.98B	49.2B	53.12B	3.38B	355.82B	291.65B	-106.04B	93.34B	60.37B	69.95B
Dividends Paid	-4.19B	-5.7B	-6.89B	-5.93B	-7.73B	-8.05B	-8.58B	-9.09B	-9.5B	-9.56B
Share Repurchases	-5.11B	-12.81B	-24.61B	-28.14B	-7.03B	-25.13B	-5.07B	-4.58B	-13.1B	-21.43B
Stock Issued	0	0	4.51B	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	1000K	1000K	1000K	1000K	-1000K	0
Other Financing	59.61B	55.24B	81.35B	30.75B	366.4B	290.55B	-131.2B	81.02B	89.38B	100.94B
Net Change in Cash+	-11.62B	9.7B	19.97B	-15.84B	218.9B	-32.24B	-118.02B	102.87B	-42.96B	-58.27B
Exchange Rate Effect	1000K	1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K
Cash at Beginning	159.35B	147.74B	157.43B	177.4B	161.56B	380.46B	348.22B	230.2B	333.07B	0
Cash at End	147.74B	157.43B	177.4B	161.56B	380.46B	348.22B	230.2B	333.07B	290.11B	-58.27B
Interest Paid	10.51B	12.85B	19.09B	22.2B	8.66B	4.51B	18.53B	69.6B	89.69B	0
Income Taxes Paid	1.04B	3.23B	2.47B	4.36B	2.89B	2.76B	2.29B	3.4B	3.82B	0
Free Cash Flow+	17.28B	9.86B	39.52B	61.78B	37.99B	-7.19B	-6.33B	44.98B	-8.8B	12.61B
FCF Growth %	-39.16%	-42.91%	300.65%	56.32%	-38.5%	-118.93%	12.04%	810.95%	-119.57%	243.25%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	6.82%	6.84%	10.57%	10.35%	6.66%	11.78%	10.13%	9.39%	9.24%	10.23%
Return on Assets (ROA)	0.82%	0.82%	1.21%	1.15%	0.68%	1.07%	0.89%	0.85%	0.84%	0.92%
Net Interest Margin	1.88%	1.98%	2.05%	2.01%	1.54%	1.35%	1.72%	1.79%	1.72%	1.76%
Efficiency Ratio	58.81%	54.81%	48.49%	48.33%	58.89%	63.64%	53.4%	38.3%	34.72%	36.94%
Equity / Assets	12.17%	11.71%	11.27%	10.88%	9.68%	8.52%	8.95%	9.17%	9.06%	8.89%
Book Value / Share	24.1	24.79	25.92	28.04	31.03	31.56	33.45	36.09	37.68	40.18
NII Growth	5.49%	10.08%	6.46%	1.51%	-11.31%	-0.98%	22.19%	8.52%	-1.53%	7.2%
Dividend Payout	23.53%	31.26%	24.5%	21.63%	43.18%	25.19%	31.15%	34.27%	35.03%	31.22%

Bank of America Corporation (BAC) 10-Year Financial Performance & Capital Metrics

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Bank of America Corporation (BAC) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare BAC vs Peers

vs JPM

vs WFC

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Profit & Loss

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Deep Dive Analysis

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