Bank of America Corp · Banks

BAC

Low riskNext report: Around Jan 13, 2027 (est.)

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The short version

A profitable company with growing sales.

Going well

Sales up 15% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales growth speeding up

Money moves

No insider buying or selling in the last 30 days
Institutions added 0.7% to their holdings in the quarter ending June 2026 (1758 bought, 1453 sold)
Held by Warren Buffett (Berkshire Hathaway), Ray Dalio (Bridgewater)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$50.55-0.0% that day

Company value: $353.5B; Share price times all shares
Price vs profit (P/E): 11.6x; You pay about $12 for each $1 of yearly profit
Price vs sales: 2.9x; Company value is 2.9 times a year of sales
Dividend yield: 2.1%; Yearly dividend as a share of today's price
Cash vs value: 65%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 90%; Debt as a share of company value

From BAC's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$31.6B+15% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $121.1B, up 9.7% from the 12 months before. Over 5 years, sales grew about 5.7% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of BAC. Starting points are the company's recent numbers.

Sales growth+10% a yearRecently: +9.7% a yearProfit margin28%Last 12 months: 27.8%P/E at the end12xToday: 11.6x. Many steady companies trade at 12x to 25xShare count change-4% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$195.0B

Profit in 5 years$54.6B

Price these guesses point to$114.93+127% vs $50.55 todayAbout +18% a year, before dividends

What today's price needs: with a 28% margin and a 12x P/E, sales could shrink about 6.7% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.10.2%
MissDebt under half of equityNot relying on borrowed money.1.05x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.27.0%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$12.6B
PassShare count not growingNot diluting owners. Falling means buybacks.-12.1% in 3 years

Revenue: $113.1B; +6.8% vs prior year
5-year growth: +5.7%/yr; revenue, per year
Total debt: $317.8B; 1.05x equity
Free cash flow: $12.6B; 11.2% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Latest quarter

New results, as stated in the press release

Reported Oct 14Before open6:44 am ET

Revenue: $11.6B; +4.0% YoY
EPS: $0.91

Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

42/ 100

This week: 163
Normal week: 223.4
vs normal: 0.7x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+0.7%

Institutions added 0.7% to their holdings. 1758 bought, 1453 sold.

Shares held by institutions5.37B

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-4.2%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

1.1x · $339.9B debt

Shares outstandingLatest reported

7.0B

Earnings reports

Last 4

Next reportAround Jan 13, 2027 (est.)Estimated from the same quarter last year

Results filedOct 14
Results filedJul 14
Results filedApr 15
Results filedJan 14

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in the last 24 insider filings. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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