InsiderClue
Stocks · Financials · National Commercial Banks

Bank of America

BAC Clue Score54
United States Fiscal year ends December CIK 0000070858
$54.32 +1.32% Close, 9 Oct 2026
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Price $54.32 +24.07% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue83.70Net income17.82EPS, diluted1.49Fiscal year 2017Revenue87.13 +4.1%Net income18.23 +2.3%EPS, diluted1.56 +4.7%Fiscal year 2018Revenue91.02 +4.5%Net income28.15 +54.4%EPS, diluted2.61 +67.3%Fiscal year 2019Revenue91.24 +0.2%Net income27.43 −2.5%EPS, diluted2.75 +5.4%Fiscal year 2020Revenue85.53 −6.3%Net income17.89 −34.8%EPS, diluted1.87 −32.0%Fiscal year 2021Revenue89.11 +4.2%Net income31.98 +78.7%EPS, diluted3.57 +90.9%Fiscal year 2022Revenue94.95 +6.6%Net income27.53 −13.9%EPS, diluted3.19 −10.6%Fiscal year 2023Revenue102.77 +8.2%Net income26.31 −4.4%EPS, diluted3.05 −4.4%Fiscal year 2024Revenue105.86 +3.0%Net income26.97 +2.5%EPS, diluted3.19 +4.6%Fiscal year 2025Revenue113.10 +6.8%Net income30.51 +13.1%EPS, diluted3.81 +19.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 83.70 87.13 91.02 91.24 85.53 89.11 94.95 102.77 105.86 113.10
Growth +4.1% +4.5% +0.2% −6.3% +4.2% +6.6% +8.2% +3.0% +6.8%
Net income 17.82 18.23 28.15 27.43 17.89 31.98 27.53 26.31 26.97 30.51
Growth +2.3% +54.4% −2.5% −34.8% +78.7% −13.9% −4.4% +2.5% +13.1%
EPS, diluted 1.49 1.56 2.61 2.75 1.87 3.57 3.19 3.05 3.19 3.81
Growth +4.7% +67.3% +5.4% −32.0% +90.9% −10.6% −4.4% +4.6% +19.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin21.3%Fiscal year 2017Net margin20.9%Fiscal year 2018Net margin30.9%Fiscal year 2019Net margin30.1%Fiscal year 2020Net margin20.9%Fiscal year 2021Net margin35.9%Fiscal year 2022Net margin29.0%Fiscal year 2023Net margin25.6%Fiscal year 2024Net margin25.5%Fiscal year 2025Net margin27.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 21.3% 20.9% 30.9% 30.1% 20.9% 35.9% 29.0% 25.6% 25.5% 27.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow17.28Buybacks−5.11Fiscal year 2017Operating cash flow9.86Buybacks−12.81Fiscal year 2018Operating cash flow39.52Buybacks−20.09Fiscal year 2019Operating cash flow61.78Buybacks−28.14Fiscal year 2020Operating cash flow37.99Buybacks−7.03Fiscal year 2021Operating cash flow−7.19Buybacks−25.13Fiscal year 2022Operating cash flow−6.33Buybacks−5.07Fiscal year 2023Operating cash flow44.98Buybacks−4.58Fiscal year 2024Operating cash flow−8.81Buybacks−13.10Fiscal year 2025Operating cash flow12.61Buybacks−21.43
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 17.28 9.86 39.52 61.78 37.99 −7.19 −6.33 44.98 −8.81 12.61
Buybacks −5.11 −12.81 −20.09 −28.14 −7.03 −25.13 −5.07 −4.58 −13.10 −21.43

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash147.74Total debt216.82Net cash (debt)−69.09Shareholders’ equity266.20Debt to equity0.81Fiscal year 2017Cash157.43Total debt227.40Net cash (debt)−69.97Shareholders’ equity267.15Debt to equity0.85Fiscal year 2018Cash177.40Total debt229.39Net cash (debt)−51.99Shareholders’ equity265.33Debt to equity0.86Fiscal year 2019Cash161.56Total debt240.86Net cash (debt)−79.30Shareholders’ equity264.81Debt to equity0.91Fiscal year 2020Cash380.46Total debt262.93Net cash (debt)117.53Shareholders’ equity272.92Debt to equity0.96Fiscal year 2021Cash348.22Total debt280.12Net cash (debt)68.10Shareholders’ equity270.07Debt to equity1.04Fiscal year 2022Cash230.20Total debt275.98Net cash (debt)−45.78Shareholders’ equity273.20Debt to equity1.01Fiscal year 2023Cash333.07Total debt302.20Net cash (debt)30.87Shareholders’ equity290.21Debt to equity1.04Fiscal year 2024Cash290.11Total debt283.28Net cash (debt)6.84Shareholders’ equity293.96Debt to equity0.96Fiscal year 2025Cash231.85Total debt317.82Net cash (debt)−85.97Shareholders’ equity303.24Debt to equity1.05
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 147.74 157.43 177.40 161.56 380.46 348.22 230.20 333.07 290.11 231.85
Total debt 216.82 227.40 229.39 240.86 262.93 280.12 275.98 302.20 283.28 317.82
Net cash (debt) −69.09 −69.97 −51.99 −79.30 117.53 68.10 −45.78 30.87 6.84 −85.97
Shareholders’ equity 266.20 267.15 265.33 264.81 272.92 270.07 273.20 290.21 293.96 303.24
Debt to equity 0.81 0.85 0.86 0.91 0.96 1.04 1.01 1.04 0.96 1.05

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
29.9% 33.5% 38.0% 35.9% 22.2% 38.1% 32.6% 31.7% 31.4% 33.3%
21.3% 20.9% 30.9% 30.1% 20.9% 35.9% 29.0% 25.6% 25.5% 27.0%
Spending
28.8% 37.6% 18.6% 16.3% 5.8% 5.9% 11.1% 19.1% 18.8% 19.1%
Returns
6.7% 6.8% 10.6% 10.4% 6.6% 11.8% 10.1% 9.1% 9.2% 10.1%
0.8% 0.8% 1.2% 1.1% 0.6% 1.0% 0.9% 0.8% 0.8% 0.9%
Balance and payout
0.81 0.85 0.86 0.91 0.96 1.04 1.01 1.04 0.96 1.05
87.8% 88.3% 88.7% 89.1% 90.3% 91.5% 91.0% 90.8% 91.0% 91.1%