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Profile & Fundamentals

Bank of America Profile & Fundamentals

Name: Bank of America financial chart data preview
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Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

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Company and Market Context

Company Profile & Ownership

Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services. The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, and underwriting and advisory services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.

Company profile record

Bank of America Corp

Common Stock · Financials · Diversified Banks

Official website

Company

Company / asset: Bank of America Corp
Security type: Common Stock
Sector: Financials
Industry: Diversified Banks
HQ: 🇺🇸 United States
Head office: Bank of America Corporate Center, Charlotte, NC, United States, 28255

Leadership & scale

Chief executive: Mr. Brian Thomas Moynihan
CEO year born: 1959
Full-time employees: 211K
Fiscal year end: December
IPO date: 1978-01-13

Fundamentals snapshot

Updated 2026-09-16

Market Cap: USD 421.1B
P/E: 12.5x
Revenue (Q2 26): USD 31.6B
Profit (Q2 26): USD 9.1B
Dividend Yield: 1.4%
Revenue (FY 25): USD 113.1B
Shares in public float: 7B
Insider ownership: 7.03%

Reporting & identifiers

Symbol: BAC.NYSE
Listing: 🇺🇸 United States | Dividend Tax: 30%
Ticker Currency: USD
Income Statement Currency: USD
Balance Sheet Currency: USD
Cash Flow Currency: USD
EPS Currency: USD
Contract Type: SPOT
ISIN: US0605051046
Asset ID: equity_86024f0f-e3ec-533a-b886-0101ce4c3a73

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Top holders

BlackRock Inc539,258,516 shares · 7.71% · Reported 2026-03-31
Berkshire Hathaway Inc483,394,015 shares · 6.91% · Reported 2026-06-30
Vanguard Capital Management, LLC409,704,665 shares · 5.86% · Reported 2026-03-31
State Street Corp294,909,309 shares · 4.22% · Reported 2026-03-31
Vanguard MStar Total Stk Mkt Idx Invest203,359,785 shares · 2.91% · Reported 2026-07-31
FMR Inc198,484,617 shares · 2.84% · Reported 2026-03-31
Vanguard 500 Index Investor171,353,086 shares · 2.45% · Reported 2026-07-31

View more holders (8)

Vanguard Portfolio Management, LLC163,431,813 shares · 2.34% · Reported 2026-03-31
Geode Capital Management, LLC157,925,189 shares · 2.26% · Reported 2026-03-31
JPMorgan Chase & Co132,271,796 shares · 1.89% · Reported 2026-03-31
Capital World Investors115,849,982 shares · 1.66% · Reported 2026-06-30
Morgan Stanley - Brokerage Accounts108,670,801 shares · 1.55% · Reported 2026-03-31
T. Rowe Price Associates, Inc.99,581,787 shares · 1.42% · Reported 2026-03-31
iShares Core S&P 500 ETF86,941,435 shares · 1.24% · Reported 2026-08-31
Fidelity 500 Index84,425,059 shares · 1.21% · Reported 2026-07-31

Earnings, Profitability & Valuation

Earnings & Revenue

AI Review

The bank's earnings engine remains incredibly powerful, highlighted by over thirty billion dollars in annual net income and massive free cash flow. While recent revenue growth has been flat, operating income has shown strong growth, signaling excellent cost control. Most reports agree that future earnings growth will be driven by higher interest margins from a steeper yield curve, combined with steady share buybacks that increase the value of remaining shares. However, there is some disagreement on the near-term outlook. Some analysts worry that rising credit card defaults and commercial real estate losses will force the bank to set aside more cash for bad loans, temporarily hurting profits. Overall, the consensus is that the bank's core cash-generating power is highly stable and provides a strong safety net for investors, even if the broader economy faces a temporary slowdown.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

AI Review

The bank's profit margins are highly durable, supported by its ability to keep deposit costs low while earning higher rates on its loans. Operating margins have stabilized near twenty percent, driven by digital banking adoption and branch optimization. There is strong consensus that margins will structurally expand as older, low-yielding investments mature and are reinvested at today's higher rates. However, opinions clash on how quickly customer behavior might change. Some reports warn that customers will eventually demand higher interest rates on their savings, which would compress margins. Others believe the bank's convenience and digital tools will keep customers from moving their money. Despite these disagreements, the bank's current valuation is considered very cheap relative to its long-term profitability, making it an attractive option for patient investors looking for steady, reliable margin expansion.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

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Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-09-17.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2016-12-31	80,104,000,000	17,277,000,000	17,906,000,000	100	31.24	22.35	21.57
2017-12-31	83,730,000,000	9,864,000,000	18,232,000,000	100	34.89	21.77	11.78
2018-12-31	87,738,000,000	39,520,000,000	28,147,000,000	99.74	39.42	32.08	45.04
2019-12-31	85,582,000,000	61,777,000,000	27,430,000,000	100	38.27	32.05	72.18
2020-12-31	74,208,000,000	37,993,000,000	17,894,000,000	100	25.6	24.11	51.2
2021-12-31	89,113,000,000	-7,193,000,000	31,978,000,000	94.84	38.13	35.88	-8.07
2022-12-31	94,950,000,000	-6,327,000,000	27,528,000,000	97.32	32.62	28.99	-6.66
2023-12-31	98,581,000,000	44,982,000,000	26,515,000,000	95.54	28.75	26.9	45.63
2024-12-31	101,887,000,000	-8,805,000,000	27,132,000,000	94.29	28.71	26.63	-8.64
2025-12-31	113,097,000,000	12,613,000,000	30,509,000,000	94.98	33.33	26.98	11.15

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2025-12-31	13.61	Trailing four quarters
2024-12-31	12.71	Trailing four quarters
2023-12-31	10.24	Trailing four quarters
2022-12-31	9.81	Annual net income
2021-12-31	11.55	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2017-01-01	10,621,809,000
2018-01-01	9,996,000,000
2019-01-01	9,079,500,000
2020-01-01	8,785,000,000
2021-01-01	8,304,700,000
2022-01-01	8,155,700,000
2023-01-01	8,062,500,000
2024-01-01	7,843,700,000
2025-01-01	7,546,900,000
2026-01-01	7,294,200,000

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Earnings, Profitability & Valuation
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- EPS history and estimate comparisons
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Capital Expenditure & R&D
- Capital allocation AI review
- Annual capital expenditure
- Investment intensity trends
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Balance Sheet
- Balance sheet AI review
- Assets, debt and equity
- Capital structure
- Liquidity and leverage
- Retained earnings
Dividends & Actions
- Cash dividends paid
- Dividend indicators
- Buybacks and issuance
- Combined shareholder returns
- Available corporate actions
Company Events
- Dated insider transactions
- Material company activity

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