Bank of America Corporation (BAC) Fundamental Analysis
Bank of America Corporation is a financial institution whose performance is read through net interest income, fee revenue and return on equity rather than product margins. It is solidly profitable, earning a return on equity of 11%. Cash generation is healthy, funding the business from its own operations. The latest filing shows a mixed picture across the four dimensions.
Beat Index assesses Bank of America Corporation across sixteen analysis tabs, spanning revenue and income, margins, cash flow, returns, liquidity and leverage, working capital, intrinsic value, commitments, insider activity, risk, and its latest 10-Q reads strongest on revenue growth and cash generation while flagging profit margins and balance-sheet strength for closer review. Every figure is taken as-reported from SEC EDGAR filings, with no vendor adjustments.
At a glance
- PositiveGrowth: Revenue up 11% YoY
- WatchProfitability: ROE 11%
- ConcernNo red flags in the latest quarter.
Trend matrix, last 4 quarters
| Dimension | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Growth | Revenue up 11% YoY | Revenue up 23% YoY | Revenue up 11% YoY | Revenue +4% YoY |
| Profitability | ROE 11% | ROE 10% | ROE 10% | ROE 9% |
| Cash Generation | Operating cash strong (138% of rev) | Negative operating cash | Operating cash strong (167% of rev) | Negative operating cash |
| Balance Sheet | ROTCE 14% | ROTCE 13% | ROTCE 13% | ROTCE 12% |
Quarterly financials
| Metric | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Revenue | $30.27B | $31.18B | $28.09B | $26.46B | $27.37B |
| Cash & equivalents | $242.48B | $231.84B | $246.51B | $266.01B | $273.58B |
| Net income | $8.58B | $7.53B | $8.47B | $7.12B | $7.40B |
| Operating cash flow | $41.77B | -$22.95B | $46.87B | -$9.13B | -$2.18B |
| Free cash flow | $41.77B | -$22.95B | $46.87B | -$9.13B | -$2.18B |
Figures in USD, as reported to the SEC. Longer history is available in the full analysis.
What's inside the full dashboard
Sixteen analysis tabs, all sourced from SEC filings, no estimates.
- Cash Flow: Free cash flow generation and operating cash flow trends.
- Intrinsic Value: Discounted cash flow (DCF) valuation and enterprise multiples.
- Liquidity & Leverage: Balance-sheet strength: assets, liabilities, debt and liquidity ratios.
- Margins: Gross, operating, and net profit margin analysis.
- Returns: Return on equity, return on assets, and return on invested capital.
- Revenue & Income: Revenue growth, composition, and year-over-year income trends.
- Working Capital: Working-capital efficiency, cash conversion and asset-turnover metrics.
- Risk: Debt levels, liquidity ratios, and financial risk indicators.
- Insider: Insider stock transactions and executive activity.
- Commitments: Operating leases, purchase commitments, and future obligations.
To see more, create a free account.
Create free accountUnlock the full Bank of America Corporation dashboard
Live valuation, management commentary, and peer comparison, all sourced directly from SEC filings. Free to access.