Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
BAC · NYSE · Financial
Fundamental quality
75
out of 100
Bank of America Corp earns a fundamental-quality score of 75 out of 100, profiling it as a company with solid fundamentals. Its score rests mainly on its profitability (net margin 28.2%). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Bank of America is one of the largest banks in the U.S. It offers consumer and commercial banking, wealth management and investment banking. It has one of the country's largest retail customer bases.
EPS growth: 16.5% · Revenue growth: 6.2%
Net margin: 28.2% · ROE: 11.2%
Capital strength: 8.6%
For banks and financials, net debt/EBITDA and free cash flow don't apply (debt is their business). We use capital strength: equity over total assets. The higher it is, the bigger the cushion against losses.
Source: SEC EDGAR · TTM through 30/06/2026
The score includes +3 for dividend strength: 12 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength, and here its pillars hold up evenly.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Why isn't a bank measured like other companies? Read the how to analyze a bank guide.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 85,528 | 17,894 | — | -117,529 |
| 2021 | 89,113 | 31,978 | — | -68,104 |
| 2022 | 94,950 | 27,528 | — | 45,779 |
| 2023 | 102,769 | 26,305 | — | -30,869 |
| 2024 | 105,856 | 26,973 | — | -6,835 |
| 2025 | 113,097 | 30,509 | — | 85,971 |
Between 2020 and 2025, revenue went from $85,528M to $113,097M (+32%) and net income went from $17,894M to $30,509M (+70%). Meanwhile, its margins have widened (from 21% to 27%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$1.08
per share, yearly
14.7% of earnings
Payout
12 straight years raising it
Growth
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is Bank of America Corp cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Bank of America Corp a good company to invest in?
In terms of business quality, Bank of America Corp scores 75 out of 100 in our analysis, placing it as a company of high fundamental quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Bank of America Corp a profitable company?
Very. Bank of America Corp shows a net margin of 28.2% and an ROE of 11.2%, typical of a highly profitable business.
Is Bank of America Corp growing?
Its revenue has grown 6.2% annualized in recent years and its earnings per share 16.5%, and without interruption since 2020.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see Bank of America Corp's filings on EDGAR
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