📊 BACRP Key Takeaways
Investment Thesis
Bank of America demonstrates solid profitability with a 27.0% net margin and improving net income (+5.0% YoY), but faces headwinds from declining revenue (-18.4% YoY) and weak interest coverage (1.7x) typical of rate-sensitive banking. The strong equity base ($303.2B) and substantial asset portfolio ($3.4T) provide stability, though ROE of 10.1% suggests moderate capital efficiency.
BACRP Strengths
- Strong net profit margin of 27.0% indicates effective cost management and pricing power
- Robust absolute profitability with $30.5B net income showing +5.0% YoY growth despite revenue decline
- Solid balance sheet with $231.8B cash and $303.2B stockholders equity providing financial cushion
- Positive free cash flow of $12.6B demonstrates ability to service debt and pay dividends
BACRP Risks
- Revenue decline of 18.4% YoY indicates significant headwinds from lower net interest margins or reduced lending volume
- Weak interest coverage ratio of 1.7x suggests limited cushion if interest rates decline or credit costs rise
- Modest ROE of 10.1% and ROA of 0.9% indicate capital is not generating optimal returns
- High leverage with debt-to-equity of 1.05x leaves limited flexibility for adverse economic scenarios
Key Metrics to Watch
- Net interest margin trend - critical driver of bank profitability
- Operating cash flow sustainability - $12.6B must be maintained to support capital returns
- Credit quality and loan loss provisions - early indicator of economic stress
- Revenue stabilization - current 18.4% YoY decline trend is unsustainable long-term
BACRP Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BACRP Profitability Ratios
BACRP vs Finance Sector
How BANK OF AMERICA CORP /DE/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BACRP Balance Sheet & Liquidity
BACRP 5-Year Financial Trend
5-Year Trend Summary: BANK OF AMERICA CORP /DE/'s revenue has grown significantly by 24% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.05 reflects profitable operations.
BACRP Growth Metrics (YoY)
BACRP Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $25.3B | $6.9B | $0.81 |
| Q2 2025 | $25.4B | $6.9B | $0.83 |
| Q1 2025 | $25.8B | $6.7B | $0.76 |
| Q3 2024 | $25.2B | $6.9B | $0.81 |
| Q2 2024 | $25.2B | $6.9B | $0.83 |
| Q1 2024 | $25.8B | $6.7B | $0.76 |
| Q3 2023 | $24.5B | $7.1B | $0.81 |
| Q2 2023 | $22.7B | $6.2B | $0.73 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BACRP Capital Allocation
BACRP SEC Filings
Access official SEC EDGAR filings for BANK OF AMERICA CORP /DE/ (CIK: 0000070858)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BACRP
What is the AI rating for BACRP?
BANK OF AMERICA CORP /DE/ (BACRP) has an AI rating of HOLD with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BACRP's key strengths?
Strong net profit margin of 27.0% indicates effective cost management and pricing power. Robust absolute profitability with $30.5B net income showing +5.0% YoY growth despite revenue decline.
What are the risks of investing in BACRP?
Revenue decline of 18.4% YoY indicates significant headwinds from lower net interest margins or reduced lending volume. Weak interest coverage ratio of 1.7x suggests limited cushion if interest rates decline or credit costs rise.
What is BACRP's revenue and growth?
BANK OF AMERICA CORP /DE/ reported revenue of $113.1B.
Does BACRP pay dividends?
BANK OF AMERICA CORP /DE/ pays dividends, with $704.0M distributed to shareholders in the trailing twelve months.
Where can I find BACRP SEC filings?
Official SEC filings for BANK OF AMERICA CORP /DE/ (CIK: 0000070858) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BACRP's EPS?
BANK OF AMERICA CORP /DE/ has a diluted EPS of $3.81.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.