Revenue Growth Acceleration
Total revenue grew 6.8% year-over-year from $105.9B to $113.1B in FY2025, reflecting broad-based business momentum across the bank's diversified operations.
Source: 10-K Income Statement
Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
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AI Takeaway
Bank of America delivered strong FY2025 results with revenue rising 6.8% to $113.1B and net income surging 13.1% to $30.5B, driven by improved profitability and a dramatic swing to positive operating cash flow of $12.6B.
Revenue
$113.1B
+6.84% YoY
EPS (Diluted)
$3.81
+19.44% YoY
Source: SEC XBRL
Bank of America (BAC) reported FY2025 revenue of $113.1B, up 6.8% year over year. Operating cash flow was $12.61B.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 1.21 | 1.14 | Beat +5.9% |
| Mar 2026 | 1.11 | 1.02 | Beat +8.6% |
| Dec 2025This filing | 0.98 | 0.97 | Beat +1.3% |
| Sep 2025 | 1.06 | 0.96 | Beat +10.3% |
Reported EPS of $0.98 versus the $0.97 analyst consensus — a +1.3% beat for Dec 2025.
Compiled by AI from this SEC filing
Total revenue grew 6.8% year-over-year from $105.9B to $113.1B in FY2025, reflecting broad-based business momentum across the bank's diversified operations.
Source: 10-K Income Statement
Net income increased 13.1% to $30.5B, with diluted EPS jumping 19.4% to $3.81 from $3.19, outpacing revenue growth and indicating meaningful operating leverage and share count reduction from buybacks.
Source: 10-K Income Statement
Operating cash flow swung dramatically from -$8.8B in the prior year to +$12.6B in FY2025, a 243.2% improvement, signaling a significant normalization in working capital and cash generation capacity.
Source: 10-K Cash Flow Statement
Share repurchases totaled $21.4B in FY2025, up 63.6% from $13.1B in the prior year, reflecting management's confidence in the balance sheet and contributing to the strong EPS growth.
Source: 10-K Cash Flow Statement
Total assets grew 4.6% to $3.41T while long-term debt rose 12.2% to $317.8B, indicating the bank is actively funding growth and investment activities, with investing cash outflows widening to -$145.2B.
Source: 10-K Balance Sheet
Compiled by AI from this SEC filing · 2 high, 3 medium, 0 low
Bank of America's debt-to-equity ratio stands at approximately 10.25x, which is characteristic of large banks but leaves the institution sensitive to interest rate changes and credit market disruptions. Long-term debt increased 12.2% to $317.8B in FY2025, adding to refinancing and interest expense risk. A deterioration in credit conditions could pressure net interest margins and capital adequacy.
Source: 10-K Balance Sheet
Investing activities consumed $145.2B in cash in FY2025, a 60.1% increase in outflows versus the prior year's $90.7B. This level of investment activity, if not matched by adequate returns, could strain liquidity over time. The scale of these outflows warrants monitoring for asset quality and deployment efficiency.
Source: 10-K Cash Flow Statement
ROA of approximately 0.89% reflects the capital-intensive nature of large bank operations, but leaves limited buffer against credit losses or revenue shortfalls. Any meaningful increase in loan loss provisions or non-performing assets could quickly erode this thin margin of profitability relative to the $3.41T asset base.
Source: 10-K Key Ratios
As a major commercial bank, BAC's revenue is highly sensitive to changes in the interest rate environment. With $3.41T in total assets and significant fixed-income portfolios, shifts in the yield curve can materially impact net interest income, which is a primary revenue driver. The prior year's negative operating cash flow illustrates how quickly conditions can shift.
Source: 10-K Income Statement & Cash Flow Statement
Share repurchases surged 63.6% to $21.4B in FY2025, representing a significant capital deployment decision. While accretive to EPS, aggressive buybacks at scale reduce the capital buffer available to absorb unexpected losses and may draw regulatory scrutiny under stress testing frameworks.
Source: 10-K Cash Flow Statement
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 113.10 $B | 105.86 $B | +6.84% |
Net Income $B | 30.51 $B | 26.97 $B | +13.11% |
EPS (Basic) $ | 3.86 $ | 3.23 $ | +19.50% |
EPS (Diluted) $ | 3.81 $ | 3.19 $ | +19.44% |
Answers draw on this SEC filing and the data on this page
Bank of America Corporation delivered strong financial performance in Q2 FY2026, with net income surging 26.6% year-over-year to $9.07B ($1.21 diluted EPS) on total net revenue of $31.56B, propelled by robust growth in both net interest income and noninterest revenue.
Bank of America delivered strong Q1 FY2026 results with revenue rising 7.2% YoY to $30.3B and net income surging 16.6% to $8.6B, driven by robust earnings growth and a dramatic swing to positive operating cash flow of $41.8B.
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