BAC

Bank of America Corporation

Quarterly revenue, EPS, free cash flow, valuation, and Rule of 40 scores for Bank of America Corporation.

R40: 13$398.90B
$52.30+1.89 (+3.75%)● Live
Current Narrative

Bank of America is firing on all cylinders post-crisis. Q4 2025 delivered $7.6B net income on $28.4B revenue, with 2026 guidance of 5-7% NII growth. The bank is aggressively modernizing — AI-driven credit card revamps target $20B in consumer profits by 2030. CEO Brian Moynihan's $5.6M charitable stock gift signals confidence. Capital returns are strong (dividends, preferred redemptions), though some analysts flag valuation concerns at ~$57/share. The Countrywide/Merrill Lynch crisis baggage is finally in the rearview mirror.

Rule of 402025 Q4
13.2
✗ Below 40
Revenue Growth YoY+13.2%
+
FCF Margin+0.0%
History
-3
Q1
-33
Q2
188
Q3
13
Q4
2025 R40 +43
ANALYST RATINGS
Buy$51
BAC
Hold$51
Downgrade
2025-07-08
Neutral$52
Downgrade
2025-06-27
Buy$53
Initiated
2025-05-15
Overweight$47
Upgrade
2025-04-07
Outperform$50
Upgrade
2025-03-07
Company timeline

Earnings release dates

QuarterEnd datePublication dateSource
2025 Q42025-12-312026-01-14Link
2025 Q32025-09-302025-10-15Link
2025 Q22025-06-302025-07-16Link
2025 Q12025-03-312025-04-15Link
2024 Q42024-12-312025-01-16Link
2024 Q32024-09-302024-10-15Link
2024 Q22024-06-302024-07-16Link
2024 Q12024-03-312024-04-16Link
Background

Company History

ExchangeNYSE
IPO DateOct 1, 1998
Shares Outstanding7.63Bi
1904
Founding as Bank of Italy
Amadeo Giannini starts Bank of Italy in San Francisco to serve immigrants and 'little fellows'; pioneers branch banking and accessibility.
1930
Name Change to Bank of America
Rebrands from Bank of Italy to Bank of America; by then world's largest bank by assets, establishing national brand.
1958
Launch of BankAmericard (First General-Purpose Credit Card)
Introduces revolutionary credit card (later Visa); transforms consumer finance and positions BofA as payments innovator.
1998
Merger with NationsBank
NationsBank acquires BankAmerica for $62B; creates modern nationwide Bank of America with Charlotte HQ.
2006
FleetBoston and MBNA Acquisitions
Acquires FleetBoston (New England expansion) and MBNA (credit card giant); builds leading positions in wealth management and cards.
2008
Acquisitions of Countrywide and Merrill Lynch
Buys Countrywide (mortgage leader) and Merrill Lynch amid financial crisis; creates 'too big to fail' powerhouse but leads to massive losses and litigation.
2014
Major Mortgage Settlements
Pays $16.65B (largest U.S. financial settlement) for mortgage fraud claims from Countrywide era; closes crisis chapter.
2026
Strong Post-Crisis Recovery and AI/Consumer Refresh
Q4 2025 earnings beat with record profits; 2026 guidance for 5-7% NII growth, AI-driven card revamp, and consumer profit targets to $20B by 2030.
Leadership

Key Players

Brian Moynihan
Chair & CEO
CEO since 2010. Led BofA through post-crisis recovery. Former head of Global Wealth & Investment Management.
Alastair Borthwick
EVP & CFO
CFO since 2021. Previously ran Commercial Banking for 9 years. Dartmouth Tuck MBA.
Dean Athanasia
Co-President
Named Co-President in 2025. Runs Consumer, Small Business, and Wealth Management.
Jim DeMare
Co-President
Named Co-President in 2025. Leads Global Markets. Former head of FICC trading.
Short Interest

Short interest data unavailable for BAC.