Is Bank of America (BAC) overvalued or fairly valued?

MarketChacha shows Bank of America's valuation in context — a trailing P/E of about 12.0, a forward P/E of about 9.9, a price-to-book of about 1.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is Bank of America's revenue?

Bank of America reported revenue of $113.1B for FY2025, with net profit of $30.5B, per official filings.

What is the share price of Bank of America (BAC)?

Bank of America last traded at $51.23 (-0.9% on the day), as of 10/16/2026 — a delayed quote shown for education, not investment advice.

Bank of America

BAC · NYSE · Banking · United States

Snapshot

TickerBAC

ExchangeNYSE

SectorBanking

IndustryBanks - Diversified

CountryUnited States

Employees209,911

HeadquartersCharlotte, United States

Websitewww.bankofamerica.com

Filings tracked17

About Bank of America

Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services. The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, and underwriting and advisory services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.

Who owns it

Insiders7.1%
Institutions71.9%
Public & other21.0%

4,510 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.7.80%
Berkshire Hathaway, Inc6.91%
Vanguard Capital Management LLC6.03%
State Street Corporation4.29%
FMR, LLC2.71%
Vanguard Portfolio Management LLC2.46%
Geode Capital Management, LLC2.25%
JPMORGAN CHASE & CO1.88%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Over 3 years only 0.58× of reported profit became operating cash — the classic sign that headline earnings may be running ahead of the cash actually generated. Often explained by working capital funding growth; worth a closer look.

Cash conversion0.58×

Net margin trend25.6% → 27.0%

Margin has expanded by about 1.4 points — the business is getting more profitable.

Growth qualityrev 5% · PAT 8%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $32.4B · EPS 1.22

Est. earnings growth +10.5%

Next fiscal year

Rev $130.2B · EPS 5.15

Est. earnings growth +14.9%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$113.1B

Net margin

27.0%

ROE

10.1%

Revenue CAGR (2y)

+4.9%

Profit CAGR (2y)

+7.7%

EPS (FY2025)

3.81

Net profit (FY2025)

$30.5B

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On MarketChacha

Posts about BAC

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$113.1B	$30.5B	3.81	27.0%	10.1%
FY2024	$105.9B	$27.0B	3.19	25.5%	9.2%
FY2023	$102.8B	$26.3B	3.05	25.6%	9.1%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$31.6B	$9.1B	1.21	28.8%
2026Q1	$30.3B	$8.6B	1.11	28.4%
2025Q3	$28.1B	$8.5B	1.06	30.2%
2025Q2	$27.4B	$7.2B	0.90	26.1%
2025Q1	$28.2B	$7.4B	0.89	26.1%
2024Q3	$25.3B	$6.9B	0.81	27.2%
2024Q2	$25.4B	$6.9B	0.83	27.2%
2024Q1	$25.8B	$6.7B	0.76	25.9%
2023Q3	$25.2B	$7.8B	0.90	31.0%
2023Q2	$25.2B	$7.4B	0.88	29.4%
2023Q1	$26.3B	$8.2B	0.94	31.1%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC7/31/2026
8-K — Other events, Exhibits
SEC7/24/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/14/2026material
8-K — Shareholder vote results
SEC5/6/2026material
10-Q filing
SEC5/1/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/15/2026material
10-K filing
SEC2/25/2026
8-K — Other events
SEC2/13/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/14/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/6/2026material

2025

8-K — Executive/director change
SEC11/26/2025material
10-Q filing
SEC10/31/2025
8-K — Exhibits
SEC10/16/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/15/2025material
8-K — Executive/director change
SEC9/15/2025material
8-K — Other events, Exhibits
SEC9/12/2025material
10-Q filing
SEC7/31/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.