Bank of America Corporation
- Open
- 59.64
- Day high
- 59.87
- Day low
- 59.39
- Prev close
- 59.25
- Volume
- 21.8M
- Mkt cap
- $423.5B
- P/E (TTM)
- 14.6
- EPS (TTM)
- $4.09
- P/B
- 1.4
- P/S
- 2.4
- Yield
- 1.88%
- Per share
- $1.12
- ▼Insiders net selling -$6.7M over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions mixed (13F)
Bank of America Corporation (BAC) is a Financial Services company listed on NYSE. The stock is up 26% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4). Drillr has 21 published research articles covering BAC.
Bank of America Corporation (BAC) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 11 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
BAC earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 15, 2026 | $1.01 | $1.11 | +9.9% | $30.3B | +1.1% |
| Feb 25, 2026 | — | $1.01 | — | $46.9B | — |
| Oct 15, 2025 | $0.95 | $1.06 | +11.3% | $28.1B | +2.1% |
| Jul 16, 2025 | $0.86 | $0.89 | +3.5% | $26.5B | -1.0% |
| Apr 15, 2025 | $0.82 | $0.90 | +10.2% | $27.4B | +1.4% |
| Jan 16, 2025 | $0.78 | $0.82 | +5.1% | $25.3B | +0.9% |
| Oct 15, 2024 | $0.77 | $0.81 | +5.2% | $25.3B | +0.4% |
| Jul 16, 2024 | $0.80 | $0.83 | +3.7% | $25.4B | +0.6% |
| Apr 16, 2024 | $0.76 | $0.83 | +9.2% | $25.8B | +1.3% |
| Jan 12, 2024 | $0.69 | $0.70 | +1.4% | $22.0B | -4.1% |
| Oct 17, 2023 | $0.82 | $0.90 | +9.8% | $25.2B | +0.1% |
| Jul 18, 2023 | $0.84 | $0.88 | +4.8% | $25.2B | +0.6% |
BAC insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 17, 2026 | MOYNIHAN BRIAN Tdirector, officer: Chair and CEO | Option | 18,083 | — |
| May 19, 2026 | MOYNIHAN BRIAN Tdirector, officer: Chair and CEO | Option | 18,083 | — |
| May 7, 2026 | Greener Geoffrey Sofficer: Chief Risk Officer | Sell | 126,756 | $53.01 |
| May 6, 2026 | DONALD ARNOLD Wdirector | Grant | 5,365 | — |
| May 6, 2026 | ALMEIDA JOSE Edirector | Grant | 5,365 | — |
| May 6, 2026 | Zuber Maria Tdirector | Grant | 5,365 | — |
| May 6, 2026 | Ramos Denise Ldirector | Grant | 5,365 | — |
| May 6, 2026 | Martinez Mariadirector | Grant | 5,365 | — |
| May 6, 2026 | NOWELL LIONEL L IIIdirector | Grant | 8,718 | — |
| May 6, 2026 | Woods Thomas Ddirector | Tax | 2,473 | $52.19 |
| May 6, 2026 | Allen Sharon L.director | Grant | 5,365 | — |
| May 6, 2026 | LOZANO MONICA Cdirector | Grant | 5,365 | — |
| May 6, 2026 | ROSE CLAYTON STUARTdirector | Grant | 5,365 | — |
| May 6, 2026 | Woods Thomas Ddirector | Grant | 5,365 | — |
| May 6, 2026 | WHITE MICHAEL Ddirector | Grant | 5,365 | — |
Source: BAC SEC Form 4 filings, latest Jun 17, 2026. For informational purposes only — not investment advice.
See the full BAC insider & 13F page →BAC research & analysis
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XOMCVXJPM
Bank of America Corporation company profile
Overview
Bank of America Corporation (NYSE:BAC) is one of the largest financial institutions in the United States, founded in 1904 and headquartered in Charlotte, North Carolina. The company has grown through numerous mergers and acquisitions over more than a century to become a diversified financial services giant serving approximately 67 million consumer and small business clients through roughly 4,200 retail financial centers and 16,000 ATMs nationwide. Bank of America operates as a full-service bank offering everything from basic checking accounts to complex investment banking services, positioning itself as a comprehensive financial partner for individuals, businesses, and institutions across the globe.
Business
Bank of America operates as a diversified financial services company through four primary business segments that collectively generated over $100 billion in annual revenue. The banking industry serves as the backbone of the modern economy by facilitating the flow of money between savers and borrowers, enabling economic growth through credit creation, and providing essential financial services. Consumer Banking represents the company's largest segment, generating approximately 42% of total revenue. This division provides traditional retail banking services including checking and savings accounts, certificates of deposit, credit and debit cards, residential mortgages, home equity loans, and personal loans. The segment serves individual consumers and small businesses through both physical branches and digital platforms, with over 48 million active digital users conducting billions of transactions annually. Global Wealth & Investment Management contributes roughly 24% of revenue and caters to affluent individuals and families with investable assets typically exceeding $250,000. This segment offers investment management, brokerage services, trust and estate planning, retirement planning, and customized wealth management solutions. The division manages over $6 trillion in total client balances and continues expanding its advisor network to serve high-net-worth clients. Global Banking accounts for approximately 24% of revenue and serves large corporations, institutional investors, and government entities. This segment provides commercial lending, trade finance, treasury management, foreign exchange services, debt and equity underwriting, merger and acquisition advisory services, and asset-based lending. The division acts as a primary banking partner for many Fortune 500 companies and multinational corporations. Global Markets generates about 16% of revenue through market-making activities, securities trading, and risk management products. This segment facilitates client trading in fixed-income securities, equities, currencies, and derivatives while also providing clearing, settlement, and custody services. The division serves institutional clients including pension funds, hedge funds, and other financial institutions requiring sophisticated trading and risk management capabilities.
Revenue model
Bank of America generates revenue through multiple interconnected business models that capitalize on its role as a financial intermediary. The primary revenue source is net interest income, which represents the difference between interest earned on loans and investments and interest paid on deposits and borrowings. This spread-based model benefits from the bank's ability to attract low-cost deposits from millions of consumers and deploy that capital into higher-yielding loans and securities. Fee-based revenue constitutes nearly half of total revenue and includes investment management fees, trading commissions, underwriting fees, advisory fees, card interchange fees, and service charges. This diversified fee structure provides more stable income streams that are less sensitive to interest rate fluctuations compared to traditional banking margins. The bank's profitability is significantly influenced by several key factors. Interest rate environments directly impact net interest margins, with rising rates generally benefiting the bank's spread income as loan yields increase faster than deposit costs. Credit quality affects profitability through loan loss provisions, with economic downturns typically requiring higher reserves for potential defaults. Regulatory capital requirements influence the bank's ability to deploy capital efficiently and return excess capital to shareholders through dividends and buybacks. Market volatility can both help and hurt different business segments - while trading revenues may benefit from increased client activity during volatile periods, wealth management assets under management may decline with falling market values. Competition from both traditional banks and fintech companies pressures fee structures and forces continued investment in technology and digital capabilities. Operational efficiency remains crucial, as the bank must balance investments in technology and talent with expense management to maintain positive operating leverage.
Competitive moat
Bank of America possesses a moderate to strong competitive moat built primarily on scale advantages, regulatory barriers, and customer switching costs. The bank's massive deposit base of nearly $2 trillion provides a significant funding advantage, as retail deposits typically cost less than wholesale funding sources and remain relatively stable during economic stress. This deposit franchise, built over decades through extensive branch networks and digital platforms, creates substantial barriers for competitors trying to replicate similar scale. Regulatory barriers provide additional protection, as banking licenses are difficult to obtain and heavily regulated institutions face significant compliance costs that favor larger players with economies of scale. The bank's systemically important financial institution (SIFI) status, while imposing higher capital requirements, also creates implicit government backing that enhances customer confidence and funding costs. Customer switching costs strengthen the moat through the complexity and inconvenience of changing primary banking relationships, particularly for commercial clients with multiple product relationships. The bank's comprehensive product suite enables cross-selling opportunities and deepens client relationships across multiple business lines. However, the moat faces several challenges. Fintech disruption continues to erode traditional banking advantages, particularly in payments, lending, and wealth management where technology-focused competitors offer superior user experiences and lower costs. Low interest rate environments compress margins and reduce the profitability advantages of deposit funding. Regulatory changes could potentially alter capital requirements or business restrictions in ways that diminish competitive advantages. The bank's moat remains solid but requires continuous investment in technology and customer experience to maintain its defensive characteristics against evolving competitive threats.
Risks & safety
Bank of America demonstrates a strong margin of safety with robust capital levels and diversified revenue streams, though typical banking metrics differ from traditional industrial companies. • Capital adequacy: CET1 ratio of 11.9% provides substantial buffer above regulatory minimums of approximately 9.5%, indicating strong solvency position • Liquidity position: $290 billion in cash and short-term investments provides significant liquidity cushion for operational needs and regulatory requirements • Debt management: Debt-to-equity ratio of 2.23x is normal for banking operations, with most "debt" consisting of customer deposits rather than traditional borrowings • Valuation metrics: Trading at 12.5x earnings and 1.15x book value, representing reasonable valuations for a large diversified bank • Profitability: ROE of 9.2% and ROA of 0.83% demonstrate solid profitability metrics within industry norms • Credit quality: Net charge-offs around 50-60 basis points indicate manageable credit losses with adequate reserve coverage • Dividend coverage: Strong earnings coverage for dividend payments with consistent capital return to shareholders through buybacks
Recent development
Over the past several years, Bank of America has focused on digital transformation and organic growth rather than major acquisitions. The bank has invested nearly $4 billion annually in technology initiatives, resulting in 14 billion digital logins in 2024 and digital sales representing over 60% of consumer product sales. The company has enhanced its AI capabilities, particularly through its virtual assistant Erica, which now handles millions of customer interactions. The bank has pursued strategic geographic expansion by opening new financial centers in key growth markets while optimizing its overall branch footprint. This approach combines physical presence with digital capabilities to serve customers through multiple channels. In wealth management, the company has significantly expanded its advisor network and enhanced its platform capabilities to serve high-net-worth clients more effectively. Balance sheet optimization has been a key focus, with management working to improve net interest margins through disciplined deposit pricing and strategic asset deployment. The bank has maintained strong capital levels while returning substantial capital to shareholders through dividends and share buybacks. Recent quarters have shown successful deposit growth for seven consecutive quarters, indicating effective customer acquisition and retention strategies. The company has also strengthened its risk management capabilities and prepared for evolving regulatory requirements, including potential Basel III capital rule changes. Management has demonstrated disciplined expense management while continuing to invest in growth initiatives and technology infrastructure to maintain competitive positioning in an increasingly digital banking environment.
BAC company profile · for informational purposes only — not investment advice.
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