Bank of America
BAC NYSE· Diversified Banks
Last close · Oct 27, 2026
$50.68
KIRA · Stoqly’s AI analyst, in plain words
- Bank of America had $113.1B of revenue in fiscal 2025, up 6.8% on the year before. Over five years, revenue changed +5.8% a year on average.
- Bank of America made $30.5B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.0% a year.
- Bank of America returned $31.0B to shareholders in fiscal 2025. The diluted share count fell 3.2%.
- It earned 10.2% on shareholders’ money. Running costs took 61.7% of revenue (the efficiency ratio; lower is better).
Market cap
$389.3B
P/E
11.7x
Revenue
$113.1B
Net income
$30.5B
Return on equity
10.2%
Efficiency ratio
61.7%
Bank of America in 30 seconds · fiscal 2025
Are sales growing?
+6.8%
Yes. Sales grew 6.8% last year.
Does it make a profit?
27.0%
Yes. It keeps 27.0% of every sale as profit.
How lean are its costs?
61.7%
Average. Running costs take 61.7% of revenue.
How much does it earn on its capital?
10.2%
Fair. It earns 10.2% a year on shareholders’ money.
How is the share priced?
11.7x
One share costs 11.7 times its yearly profit per share. Typical for its sector: 13.7x.
What Bank of America does
Bank of America is a bank based in Charlotte, North Carolina, that serves individuals, small and midsize businesses, large companies, investors and governments. It offers checking and savings accounts, credit cards, mortgages and other loans, investment and wealth management services, and investment banking and trading. It had $3.4 trillion in assets at the end of 2025. It reports four segments. Consumer Banking serves about 69 million consumer and small business clients through about 3,600 branches, about 15,000 ATMs, call centers and its apps and website. Global Wealth & Investment Management, made up of Merrill Wealth Management and Bank of America Private Bank, oversees client balances of $4.8 trillion. Global Banking lends to companies, manages their cash and payments, and advises them on deals and on raising money. Global Markets trades stocks, bonds, currencies and commodities for institutional investors and provides research.
Biggest risks, in its own words
- Weak economic or market conditions, and government spending and interest rate policies, that could hurt its results.
- Losses if borrowers or trading partners can't repay, including from concentrations in certain loans or a weaker housing market.
- Losing access to funding, deposits leaving, or a cut in its credit ratings.
- Heavy and changing regulation, including possible demands to hold more capital, and many lawsuits and government actions.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- BofA Finance LLC
- CIK
- 0000070858
Bank of America · BAC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $89.1B | $95.0B | $102.8B | $105.9B | $113.1B |
| Revenue growth | 4.2% | 6.6% | 8.2% | 3.0% | 6.8% |
| Net interest income | $42.9B | $52.5B | $56.9B | $56.1B | $60.1B |
| Net income | $32.0B | $27.5B | $26.3B | $27.0B | $30.5B |
| Net margin | 35.9% | 29.0% | 25.6% | 25.5% | 27.0% |
| Diluted EPS | $3.57 | $3.19 | $3.05 | $3.19 | $3.81 |
| Cash | |||||
| Dividends paid | $8.1B | $8.6B | $9.1B | $9.5B | $9.6B |
| Share buybacks | $25.1B | $5.1B | $4.6B | $13.1B | $21.4B |
| Share count change | −2.7% | −4.6% | −1.1% | −1.8% | −3.2% |
| Debt and strength | |||||
| Loans, net | $966.7B | $1.03T | $1.04T | $1.08T | $1.17T |
| Deposits | $2.06T | $1.93T | $1.92T | $1.97T | $2.02T |
| Shareholders' equity | $270.1B | $273.2B | $290.2B | $294.0B | $303.2B |
| Returns and quality | |||||
| Return on equity | 11.8% | 10.1% | 9.3% | 9.2% | 10.2% |
| Return on tangible equity | 15.3% | 13.0% | 11.7% | 11.5% | 12.8% |
| Efficiency ratio | 67.0% | 64.7% | 64.1% | 63.1% | 61.7% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$31.1M
7 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Bank of America · BAC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Bank of America BAC | $389.3B | 6.8% | 27.0% | 10.2% | 11.7x | — |
| JPMorgan Chase JPM | $934.0B | 2.8% | 31.3% | 16.1% | 14.4x | — |
| Citigroup C | $229.8B | 5.6% | 16.8% | 6.8% | — | — |
| Wells Fargo WFC | $268.0B | 1.7% | 25.5% | 11.9% | 12.0x | — |
| Goldman Sachs GS | $289.6B | 8.9% | 29.5% | 13.9% | 14.1x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $50.68 a share, the company is worth $389.3B: 11.7 times its earnings of the last four quarters.
Bank of America grew sales faster than 3 of its 4 similar companies. Its P/E is higher than 0 of 3.
Source: SEC EDGAR XBRL filings (CIK 0000070858). Data updated October 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.