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BML-PH

Bank of America Corporation

BML-PH

Bank of America Corporation • NYSE
$19.22 ▲ 0.21% (+0.04)
Market Cap $323.32 B
52w High $23.24
52w Low $18.85
Dividend Yield 1.33%
P/E 5.47
Volume 28.16K
Outstanding Shares 16.82B

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $48.221B ▲ $17.337B ▲ $8.469B ▲ 17.563% ▲ $1.08 ▲ $10.04B ▲
Q2-2025 $46.666B ▼ $17.183B ▼ $7.116B ▼ 15.249% ▼ $0.9 ▼ $8.269B ▼
Q1-2025 $46.989B ▲ $17.77B ▲ $7.396B ▲ 15.74% ▲ $0.91 ▲ $8.681B ▲
Q4-2024 $46.965B ▼ $16.787B ▲ $6.665B ▼ 14.191% ▲ $0.83 ▲ $7.667B ▼
Q3-2024 $48.869B $16.479B $6.896B 14.111% $0.82 $7.873B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $957.7B ▲ $3.403T ▼ $3.099T ▼ $304.152B ▲
Q2-2025 $653.421B ▼ $3.441T ▲ $3.142T ▲ $299.599B ▲
Q1-2025 $657.11B ▲ $3.349T ▲ $3.054T ▲ $295.581B ▲
Q4-2024 $642.918B ▲ $3.262T ▼ $2.966T ▼ $295.559B ▼
Q3-2024 $619.459B $3.324T $3.028T $296.512B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $8.469B ▲ $46.874B ▲ $1.943B ▲ $59.901B ▲ $-19.504B ▼ $46.874B ▲
Q2-2025 $7.116B ▼ $-9.132B ▼ $-56.918B ▲ $55.059B ▼ $-7.568B ▲ $-9.132B ▼
Q1-2025 $7.396B ▲ $-2.184B ▼ $-89.01B ▼ $72.832B ▲ $-16.535B ▼ $-2.184B ▼
Q4-2024 $6.665B ▼ $25.914B ▲ $9.41B ▲ $-36.768B ▼ $-5.475B ▲ $25.914B ▲
Q3-2024 $6.896B $-37.276B $-27.258B $36.779B $-25.043B $-37.276B

Revenue by Products

Product Q1-2024Q3-2024Q4-2024Q2-2025
Consumer Banking Segment
Consumer Banking Segment
 $0 ▲$0 ▲$0 ▲$10.81Bn ▲
Global Banking Segment
Global Banking Segment
 $0 ▲$0 ▲$0 ▲$5.69Bn ▲
Global Markets Segment
Global Markets Segment
 $0 ▲$0 ▲$0 ▲$5.98Bn ▲
Global Wealth and Investment Management Segment
Global Wealth and Investment Management Segment
 $0 ▲$0 ▲$0 ▲$5.94Bn ▲
Investment and Brokerage Services
Investment and Brokerage Services
 $4.19Bn ▲$4.55Bn ▲$0 ▼$0 ▲
Investment And Brokerage Services Brokerage Fees
Investment And Brokerage Services Brokerage Fees
 $920.00M ▲$1.01Bn ▲$0 ▼$0 ▲
Investment Banking Fees
Investment Banking Fees
 $1.57Bn ▲$1.40Bn ▼$0 ▼$0 ▲
Investment Banking Income Underwriting Income
Investment Banking Income Underwriting Income
 $900.00M ▲$740.00M ▼$0 ▼$0 ▲
Investment And Brokerage Services Asset Management Fees
Investment And Brokerage Services Asset Management Fees
 $3.27Bn ▲$3.53Bn ▲$0 ▼$0 ▲
Investment Banking Income Financial Advisory Services
Investment Banking Income Financial Advisory Services
 $370.00M ▲$390.00M ▲$0 ▼$0 ▲
Investment Banking Income Syndication Fees
Investment Banking Income Syndication Fees
 $290.00M ▲$270.00M ▼$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Profitability looks solid and fairly consistent, with a clear upward trend in revenue over the past few years. Earnings have generally kept pace with this growth, showing that the bank has been able to convert higher activity into bottom‑line profit without major margin erosion. There were some small ups and downs in operating profit and earnings per share, but nothing that suggests a structural problem. Overall, this is the profile of a large, diversified bank that has grown its top line meaningfully while maintaining strong underlying profitability.

Balance Sheet

Balance Sheet The balance sheet reflects the scale and stability of a global money‑center bank. Total assets have grown steadily, and shareholder equity has inched higher over time, which supports resilience. Debt levels have risen, which is common as a bank’s balance sheet expands, but equity has also grown, helping to anchor the capital base. Cash balances move around from year to year, which is normal for a large bank given day‑to‑day funding dynamics, rather than a sign of stress. Overall, the balance sheet appears large, diversified, and well‑capitalized, with gradually increasing leverage that is still supported by a sizable equity cushion.

Cash Flow

Cash Flow Cash flow is more volatile than the earnings line, with swings between positive and negative operating cash flow. For industrial companies this would be a red flag, but for a big bank it mostly reflects movements in loans, deposits, and securities rather than a sudden change in underlying profitability. Free cash flow tracks operating cash flow closely because capital spending is minimal in accounting terms. The key takeaway is that reported cash flows move around a lot, but the income statement does not show the same instability, which is typical for a large financial institution.

Competitive Edge

Competitive Edge Bank of America operates from a position of clear scale advantage and strong brand recognition. It spans consumer banking, wealth management, corporate banking, and markets businesses, which provides diversification across economic cycles. Its huge customer base, nationwide branch and ATM presence, and deep relationships with both households and corporations create meaningful switching costs. Digital engagement is very high and rising, with more activity moving into the bank’s own apps and platforms, which further locks in clients. Overall, it sits among the handful of global leaders in diversified banking, benefiting from scale, brand, and an integrated product set that is difficult for smaller rivals to replicate.

Innovation and R&D

Innovation and R&D The bank is leaning heavily into technology, especially AI‑driven and mobile experiences. Its virtual assistant, goal‑based planning tools, and unified app experience show a clear push to keep customers inside its digital ecosystem for everything from daily banking to investing and retirement. For businesses, the CashPro platform and its data‑driven insights are important differentiators, helping corporate clients manage payments and treasury functions more efficiently. Bank of America is also active in fintech‑related patents and continues to invest substantial sums in new tech and security capabilities. This sustained focus on digital innovation strengthens customer stickiness and supports its competitive moat, even if it doesn’t show up as “R&D” in the traditional sense.

Summary

Overall, Bank of America (the issuer behind BML‑PH preferred shares) appears to combine strong, consistent profitability with a very large and diversified balance sheet. Revenue and earnings have grown well in recent years, while capital levels remain solid despite a gradual increase in leverage. Cash flows look choppy, but that pattern is typical for a major bank and does not mirror the relatively steady profits. Competitively, the firm benefits from scale, brand, and a broad product suite, and it is clearly prioritizing technology and data‑driven services to deepen relationships with both retail and corporate clients. The main considerations to watch are the usual banking risks—credit quality, interest‑rate sensitivity, regulation—set against its considerable strengths in scale, digital capabilities, and customer loyalty.