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Bank of America Corporation(BAC)Earnings, Financials & Key Ratios
BAC•NYSE•Banking & Credit
$59.86
15.7× P/E·Price updated Jul 7, 2026
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$191.57B-0.5%
- Net Income$30.51B+12.4%
- Return on Equity10.19%+10.3%
- Net Interest Margin1.76%+2.5%
- Efficiency Ratio36.4%+4.8%
- ROA0.91%+8.6%
- Equity / Assets8.89%-1.9%
- Book Value per Share40.18+6.6%
BAC Price & Volume
Bank of America Corporation (BAC) stock price & volume — 10-year historical chart
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Revenue Volatility Challenges Bank of America Outlook
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:Securities portfolio duration risk
Key Thesis Takeaways
- Bank of America faces a complex outlook characterized by resilient net interest income growth of 9.0% in 2026Q1, offset by significant earnings quality concerns stemming from a negative $3.1 billion in non-interest income.
- While the firm maintains a massive $3.5 trillion asset base, the stagnation of the equity-to-assets ratio at 0.09 suggests limited capital flexibility for future expansion.
- Investors should monitor the sustainability of shareholder returns, which reached $9.8 billion in 2026Q1, against the backdrop of extreme efficiency ratio fluctuations that hit 61.2% in the same period.
Verdict Logic
while the forward P/E of 12.94 suggests reasonable valuation, the extreme volatility in non-interest income and the recent spike in the efficiency ratio to 61.2% present significant execution risks.
BAC Growth Metrics
Bank of America Corporation (BAC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.43%
5 Years15.36%
3 Years18.52%
TTM-
Profit CAGR
10 Years6.73%
5 Years11.26%
3 Years3.49%
TTM13.8%
EPS CAGR
10 Years11.3%
5 Years15.36%
3 Years6.19%
TTM19.94%
Return on Capital
10 Years4.92%
5 Years4.59%
3 Years3.97%
Last Year4.49%
BAC Recent Earnings
Bank of America Corporation (BAC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 9/12 qtrs (82%)
Q2 2026Latest
Apr 15, 2026Metric
Actual
Est
EPS
$1.11+9.9%
$1.01
Rev
$30.3B+1.1%
$29.9B
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$1.00
—
Rev
$49.7B
—
Q1 2026
Jan 14, 2026Metric
Actual
Est
EPS
$0.98+2.3%
$0.96
Rev
$28.4B+2.2%
$27.8B
Q4 2025
Oct 15, 2025Metric
Actual
Est
EPS
$1.06+11.3%
$0.95
Rev
$28.1B+2.1%
$27.5B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 15, 2026 | $1.11vs $1.01+9.9% | $30.3Bvs $29.9B+1.1% |
| Q1 2026 | Feb 25, 2026 | $1.00 | $49.7B |
| Q1 2026 | Jan 14, 2026 | $0.98vs $0.96+2.3% | $28.4Bvs $27.8B+2.2% |
| Q4 2025 | Oct 15, 2025 | $1.06vs $0.95+11.3% | $28.1Bvs $27.5B+2.1% |
Based on last 12 quarters of dataView full earnings history →
Latest BAC News
Recent stock market news and headlines for Bank of America Corporation (BAC)
Fool - Investing News·Jun 25, 2026
JPMorgan Chase Pairs a 10% Dividend Hike With a New $50 Billion Buyback After Clearing the Fed's Stress TestFrom a victor come the spoils.
Zacks Investment Research·Jun 25, 2026
Fed Stress Test: JPM & Other Big Banks Pass Again, Show ResilienceJPM and other big banks clear the Fed's 2026 stress test, paving the way for dividend hikes and fresh share buybacks after proving capital resilience.
Fool - Investing News·Jun 25, 2026
All Banks Crushed the Fed's Stress Tests This Year, and Some Truly ExcelledThat made it a perfect 32 for 32.
Peers Comparison
Key metrics vs top competitors for Bank of America Corporation (BAC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $59.86 | $424.8B | 15.67 | -0.45% | 15.93% | 10.19% | 2.12% | |
| $339.22 | $908.94B | 16.92 | 3.31% | 20.66% | 16.32% | — | |
| $87.21 | $266.88B | 13.80 | -1.49% | 17.29% | 11.92% | — | |
| $140.75 | $241.37B | 20.14 | -1.41% | 9.34% | 7.49% | — | |
| $1042.98 | $321.24B | 20.32 | -1.38% | 16.31% | 14.31% | — | |
| $222.04 | $350.22B | 21.77 | 11.48% | 15.13% | 16.22% | — |
Compare BAC vs Peers
Bank of America Corporation (BAC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BAC SEC Filings & Documents
Bank of America Corporation (BAC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
1Material company update
Apr 15, 2026·SEC
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BAC Frequently Asked Questions
Bank of America Corporation (BAC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Bank of America Corporation growing?
Bank of America Corporation (BAC) saw revenue decline by 0.5% over the past year.
Is BAC profitable?
Yes, Bank of America Corporation (BAC) is profitable, generating $31.70B in net income for fiscal year 2025 (15.9% net margin).
Dividend & Returns
Does BAC pay dividends?
Yes, Bank of America Corporation (BAC) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.
What is BAC's return on equity?
Bank of America Corporation (BAC) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.
Industry Metrics
What is Bank of America Corporation's net interest margin?
Bank of America Corporation (BAC) has a net interest margin (NIM) of 1.8%. NIM has been under pressure due to interest rate environment.
What is Bank of America Corporation's efficiency ratio?
Bank of America Corporation (BAC) has an efficiency ratio of 36.4%. This is excellent, indicating strong cost control.