Bank of America is a formidable financial titan with a $3.5 trillion balance sheet and a cornerstone of the American economy, holding the second-largest deposit market share in the United States.
It is a $380B financial services company. Revenue grew 15.9% over the last year, and it keeps 28¢ of every dollar of sales as profit. It trades at 11.3× earnings — around the middle of its own history.
- Website
- bankofamerica.com
- Location
- Charlotte, NC
- Employees
- 213 000
- Sector
- Financial Services
- Founded
- 1874
- Next earnings
- Oct 14, 2026 · in 2d
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Growth, Health and Moat lag behind.
Valuation67
- P/E vs own history43th pct · 12/25
- FCF yield24.9% · 25/25
- P/S2.3x · 20/25
- EV/EBITDAn/a · 10/25
Growth37
- Revenue CAGR6.1% · 12/25
- Net income CAGR-1.2% · 0/25
- EPS CAGR ~5Y14.3% · 20/25
- Fwd implied growth2.7% · 5/25
Profitability67
- ROIC7.8% · 5/25
- ROE11.1% · 12/25
- Net margin27.8% · 25/25
- Operating margin32.7% · 25/25
Health48
- Altman Z0.13 · 3/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtD/A 3% · 20/25
Quality55
- Piotroski F5/9 · 15/25
- Beneish M-2.41 · 20/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 5.7% · 20/25
Moat25
- ROIC >12% years1/10 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive yearsn/a · 0/25
- Worst-year net marginworst 20.9% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- 2026AcquisitionBank of America entered into a joint venture agreement with Jio Financial Services to acquire up to…
- FY2021FinancialBest year on record$32.0B net income
- FY2020FinancialBecame debt-freecash now exceeds total debt
- FY2019FinancialRevenue crossed $100B$114B for the year
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $50B$83.7B in first reported year
- 2008MilestoneThrough a series of mergers and acquisitions, it built upon its commercial banking business by establishing Merrill…
- Sep 14, 2007AcquisitionBank of America won approval from the Federal Reserve to acquire LaSalle Bank Corporation…
- 2006AcquisitionBank of America and Banco Itaú (Investimentos Itaú S.A.) entered into an acquisition agreement, through…
- 2005AcquisitionBank of America acquired a 9% stake in China Construction Bank, one of the Big Four banks in China, for…
- 1998AcquisitionNationsBank of Charlotte acquired BankAmerica in 1998 in what was the largest bank acquisition in history at that time
- 1983AcquisitionBank of America expanded outside California, through acquisition of Seafirst Corporation in Seattle and its…
- 1958ProductNew technologies enabled the direct linking of credit cards with individual bank accounts, so that, in 1958, the…
- 1922AcquisitionHeadquartered in San Francisco, California, Giannini acquired Banca d'America e d'Italia in 1922 and eventually did…
- 1874FoundedCommercial National Bank was founded in Charlotte
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strongly profitable — 27.8% net margin
- Revenue growing 15.9% year over year
- Strong cash conversion — FCF is 78.2% of revenue
Watch-outs
- Altman Z-Score 0.13 — elevated financial-distress risk
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+15.9% YoY
- Profitable — makes more than it spends$33.7B TTM
- Profit growing — earnings are higher than last year+5.6% YoY
- Generates cash — cash left after running and investing$94.7B TTM
- Debt under control — could handle its obligations~0.9y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$380B market cap
- Not printing shares — share count not ballooning — you keep your slice-12.7% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.1 — distress
- Pays a dividend — returns cash to shareholdersyield 2.57%
- Valuation not extreme — price not wildly above earningsP/E 11.3
Peer comparisonBank of America Corporation vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| BAC this company | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| MS Morgan Stanley | $299.6B | 14.8 | +18.0% | 25.8% | Strained |
Head-to-head: BAC vs BRK.A · BAC vs BRK.B · BAC vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/BAC
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Deeper analysis of BAC on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $54.40 · market cap $380B.