Bank of America
BAC NYSE Diversified Banks 金融 FY2016–FY2025
Bank of America's revenue rose 6.8% to $113.1 billion in fiscal 2025. Net income was $30.5 billion, up 13.1%. Its return on equity was 10.2%, up from 9.2% a year earlier. Its efficiency ratio was 61.6%, down from 63.1% a year earlier. It paid out $31.0 billion in dividends and buybacks. The diluted share count fell 3.2%.
Bank of Americaの事業内容
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. The bank earns interest on loans and investments, and fees for cards, advice, trading and money management. It names as competitors other banks, credit unions, brokers, investment and insurance firms, card issuers, hedge funds, private equity firms and internet-based companies.
Bank of America had about 213,000 employees at the end of 2025, 77 percent of them in the United States. It operates in all major US markets and in more than 35 other countries and jurisdictions.
- 正式名称
- BofA Finance LLC
- 決算期末
- 2025年12月31日
- 最新の年次報告書
- 10-K · 2026年2月25日
- 受付番号 · CIK
- 0000070858-26-000157
0000070858
売上高と利益率
Bank of Americaの2025年度の売上高は$113.1Bで、前年比6.8%増でした。
純利益と1株当たり利益
2016年度から2025年度にかけて、希薄化後EPSは年率11.0%で成長しました。 赤字の期間は赤で表示しています。
収益性と効率性
銀行の場合、自己資本利益率と経費率(収益に対するコストの割合)が経営状態を最もよく表します。
配当、自社株買い、株式数
Bank of Americaは2025年度に$31.0Bを株主に還元しました。 希薄化後株式数は3.2%減少しました。
Bank of Americaを自分で評価
前提条件を変えて、1株あたりの価値を確認できます。これはモデルであり、予測や目標株価ではありません。結果は入力した値によって決まります。
利益倍率
1株当たり価値
—
参考倍率:現在 11.6x · 同業他社 13.9x · セクター 13.7x。
貸借対照表
各期末の貸出金、預金、資本。
| 期末 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| 貸出金(純額) | $966.7B | $1.03T | $1.04T | $1.08T | $1.17T |
| 預金 | $2.06T | $1.93T | $1.92T | $1.97T | $2.02T |
| 貸出金 / 預金 | 46.8% | 53.5% | 54.1% | 55.1% | 58.1% |
| 総資産 | $3.17T | $3.05T | $3.18T | $3.26T | $3.41T |
| 自己資本 | $270.1B | $273.2B | $290.2B | $294.0B | $303.2B |
| のれん | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B |
| 無形資産 | $2.2B | $2.1B | $2.0B | $2.0B | $1.8B |
| 引当金 / 貸出金 | — | 0.3% | 0.5% | 0.6% | 0.5% |
インサイダー取引
役員、取締役、10%超保有者による市場内での売買(Form 4の届出に基づく)。「計画」は事前に定めたRule 10b5-1プランによる取引を示します。
買い(12か月)
$0.0M
インサイダー0人
売り(12か月)
$31.1M
インサイダー7人
売りのうち計画取引
0%
$0.0M
| 日付 | インサイダー | 取引 | 株数 | 株価 | 金額 | 書類 |
|---|---|---|---|---|---|---|
| 2026年5月5日 | Geoffrey S GreenerChief Risk Officer | 売り | 126,756 | $53.01 | $6.7M | Form 4 |
| 2026年3月12日 | Bernard A MensahPresident, International | 売り | 94,000 | $46.94 | $4.4M | Form 4 |
| 2026年3月5日 | Sheri B. BronsteinChief People Officer | 売り | 60,000 | $49.91 | $3.0M | Form 4 |
| 2026年3月5日 | Thomas M ScrivenerChief Operations Executive | 売り | 50,000 | $49.82 | $2.5M | Form 4 |
| 2026年3月4日 | James P DeMareCo-President | 売り | 83,832 | $50.00 | $4.2M | Form 4 |
| 2026年3月3日 | Dean C AthanasiaCo-President | 売り | 136,558 | $50.21 | $6.9M | Form 4 |
| 2026年2月27日 | Alastair M BorthwickExecutive Vice President & CFO | 売り | 68,000 | $50.24 | $3.4M | Form 4 |
類似企業
各社の直近会計年度のデータです。決算月が異なるため、期間は完全には一致しません。
| 企業 | 時価総額 | 成長率 | 営業利益率 | FCFマージン | ROIC | PER | Fスコア | |
|---|---|---|---|---|---|---|---|---|
| Bank of America BAC | $388.3B | 6.8% | — | — | — | 11.6x | — | |
| JPMorgan Chase JPM | $922.3B | 2.8% | — | — | — | 14.2x | — | 比較 → |
| Citigroup C | $225.9B | 5.6% | — | — | — | — | — | 比較 → |
| Wells Fargo WFC | $267.1B | 1.7% | — | — | — | 12.0x | — | 比較 → |
| Goldman Sachs GS | $278.1B | 8.9% | — | — | — | 13.5x | — | 比較 → |
10年分のデータ
金額はUSD建て。指標名にカーソルを合わせると定義が表示されます。
| 会計年度 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 損益計算書 | ||||||||||
| 売上高 | $83.7B | $87.1B | $91.0B | $91.2B | $85.5B | $89.1B | $95.0B | $102.8B | $105.9B | $113.1B |
| 資金利益 | $41.1B | $45.2B | $48.2B | $48.9B | $43.4B | $42.9B | $52.5B | $56.9B | $56.1B | $60.1B |
| 非金利収益 | $42.6B | $41.9B | $42.9B | $42.4B | $42.2B | $46.2B | $42.5B | $45.8B | $49.8B | $53.0B |
| 非金利費用 | $55.1B | $54.5B | $53.2B | $54.9B | $55.2B | $59.7B | $61.4B | $65.8B | $66.8B | $69.7B |
| 貸倒引当金繰入額 | $3.6B | $3.4B | $3.3B | $3.6B | $10.6B | −$4.2B | $2.5B | $4.7B | $5.9B | $5.6B |
| 税引前利益 | $25.0B | $29.2B | $34.6B | $32.8B | $19.0B | $34.0B | $31.0B | $32.5B | $33.2B | $37.7B |
| 法人税 | $7.2B | $11.0B | $6.4B | $5.3B | $1.1B | $2.0B | $3.4B | $6.2B | $6.3B | $7.2B |
| 純利益 | $17.8B | $18.2B | $28.1B | $27.4B | $17.9B | $32.0B | $27.5B | $26.3B | $27.0B | $30.5B |
| 普通株主に帰属する純利益 | $16.1B | $16.6B | $26.7B | $26.0B | $16.5B | $30.6B | $26.0B | $24.7B | $25.3B | $29.1B |
| 希薄化後EPS | $1.49 | $1.56 | $2.61 | $2.75 | $1.87 | $3.57 | $3.19 | $3.05 | $3.19 | $3.81 |
| 希薄化後株式数 | 11.05B | 10.78B | 10.24B | 9.44B | 8.80B | 8.56B | 8.17B | 8.08B | 7.94B | 7.68B |
| キャッシュフロー | ||||||||||
| 株式報酬 | $1.4B | $1.6B | $1.7B | $2.0B | $2.0B | $2.8B | $2.9B | $2.9B | $3.4B | $4.0B |
| 自社株買い | $5.1B | $12.8B | $20.1B | $28.1B | $7.0B | $25.1B | $5.1B | $4.6B | $13.1B | $21.4B |
| 支払配当金 | $4.2B | $5.7B | $6.9B | $5.9B | $7.7B | $8.1B | $8.6B | $9.1B | $9.5B | $9.6B |
| 配当と自社株買い | $9.3B | $18.5B | $27.0B | $34.1B | $14.8B | $33.2B | $13.6B | $13.7B | $22.6B | $31.0B |
| 貸借対照表 | ||||||||||
| 貸出金(純額) | $895.4B | $926.4B | $937.3B | $974.0B | — | $966.7B | $1.03T | $1.04T | $1.08T | $1.17T |
| 預金 | $1.26T | $1.31T | $1.38T | $1.43T | $1.80T | $2.06T | $1.93T | $1.92T | $1.97T | $2.02T |
| のれん | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B | $69.0B |
| 無形資産 | $0.0M | $0.0M | $0.0M | $0.0M | $2.2B | $2.2B | $2.1B | $2.0B | $2.0B | $1.8B |
| 総資産 | $2.19T | $2.28T | $2.35T | $2.43T | $2.82T | $3.17T | $3.05T | $3.18T | $3.26T | $3.41T |
| 優先株式 | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| 自己資本 | $266.2B | $267.1B | $265.3B | $264.8B | $272.9B | $270.1B | $273.2B | $290.2B | $294.0B | $303.2B |
| 利益率 | ||||||||||
| 純利益率 | 21.3% | 20.9% | 30.9% | 30.1% | 20.9% | 35.9% | 29.0% | 25.6% | 25.5% | 27.0% |
| 収益に占める資金利益 | 49.1% | 51.9% | 52.9% | 53.6% | 50.7% | 48.2% | 55.3% | 55.4% | 53.0% | 53.1% |
| 経費率 | 65.8% | 62.6% | 58.4% | 60.2% | 64.6% | 67.0% | 64.7% | 64.1% | 63.1% | 61.7% |
| 収益性 | ||||||||||
| 自己資本利益率 | 6.8% | 6.8% | 10.6% | 10.4% | 6.7% | 11.8% | 10.1% | 9.3% | 9.2% | 10.2% |
| 総資産利益率 | 0.8% | 0.8% | 1.2% | 1.2% | 0.7% | 1.1% | 0.9% | 0.8% | 0.8% | 0.9% |
| 有形自己資本利益率 | 8.4% | 8.4% | 13.5% | 13.3% | 8.3% | 15.3% | 13.0% | 11.7% | 11.5% | 12.8% |
| 成長率 | ||||||||||
| 売上高成長率 | 0.9% | 4.1% | 4.5% | 0.3% | −6.3% | 4.2% | 6.6% | 8.2% | 3.0% | 6.8% |
| 純利益成長率 | 12.0% | 2.3% | 54.4% | −2.6% | −34.8% | 78.7% | −13.9% | −4.4% | 2.5% | 13.1% |
| EPS成長率 | 13.7% | 4.7% | 67.3% | 5.4% | −32.0% | 90.9% | −10.6% | −4.4% | 4.6% | 19.4% |
| 株式数の変化 | −1.7% | −2.4% | −5.0% | −7.8% | −6.8% | −2.7% | −4.6% | −1.1% | −1.8% | −3.2% |
| 財務の健全性 | ||||||||||
| 貸出金 / 預金 | 71.0% | 70.7% | 67.9% | 67.9% | — | 46.8% | 53.5% | 54.1% | 55.1% | 58.1% |
| 引当金 / 貸出金 | 0.4% | 0.4% | 0.4% | 0.4% | — | — | 0.3% | 0.5% | 0.6% | 0.5% |
| 資本配分 | ||||||||||
| 株式報酬 / 売上高 | 1.6% | 1.9% | 1.9% | 2.2% | 2.4% | 3.1% | 3.0% | 2.9% | 3.2% | 3.5% |
出典:SEC EDGAR XBRL提出書類 (CIK 0000070858). 2026年10月9日更新。 第4四半期は通期から最初の9か月を差し引いた値です。 情報提供のみを目的としており、投資助言ではありません。数字を利用する前に原本の書類を確認してください。