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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

EDGAR® is a registered trademark of the U.S. Securities and Exchange Commission. TENK/calls is an independent service and is not affiliated with, endorsed by, or approved by the U.S. Securities and Exchange Commission.

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Home›Stocks›BML-PG

BML-PG

BANK OF AMERICA CORP /DE/

Last earnings +0.1% on 2026-04-15

Hold
$18.79
▲ +0.27%
$18.79▼ -3.32%
over 1Y
L $17.95H $20.27
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.3%
1W+0.3%
1M-2.8%
3M-0.8%
YTD+2.9%
1Y-3.3%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Hold
Quality
B
Valuation
Undervalued
Filings
Watch
Hold
Conviction
Horizon
Medium (3–12mo)

Revenue grew 6.8% YoY; but high leverage (liabilities/equity 10.3x).

Revenue (FY2025) $113B · FY2025

The read

Middling fundamentals offset by an attractive price (~400% below fair value) — worth a look on the value angle.

BANK OF AMERICA CORP /DE/ shows $113B in FY2025 revenue (+6.8% YoY), a 27.0% net margin, and 10.1% ROE.

Supporting the case: revenue grew 6.8% YoY; strong net margin (27.0%); undemanding valuation (P/E 5.0).

Is BML-PG a buy? The one-page verdict, explained →

The options angle

model · matches our verdict
Covered call~60d expiry
  • Long 100 shares @ ~18.79
  • Short call 19.5 @ ~0.03 est
debit $1,876max +$74max −$1,875BE 18.76

HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.

Open in the calculator →

Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue$89.1B$95.0B$103B$106B$113B
Gross profit—————
Operating income—————
Net income$32.0B$27.5B$26.3B$27.0B$30.5B
Diluted EPS$3.57$3.19$3.05$3.19$3.81
Net margin35.9%29.0%25.6%25.5%27.0%

10-year statements — income, cash flow, balance sheet & CSV export →

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.38
Earnings yield11.7%
FCF yield—

Quality & risk

ROIC (est.)—
Free cash flow—
Total debt$364B
Net cash-$132B
Piotroski F-Score5/7

Capital returns

Buyback yield8.2%
Dividend yield (est.)0.6%
Shareholder yield8.9%
Shares Δ YoY-5.6%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. 8-K Shareholder vote2026-05-06
  2. 10-Q Quarterly report2026-05-01
  3. 8-K Earnings results2026-04-15
  4. DEF 14A Proxy statement2026-03-23
  5. 10-K Annual report2026-02-25
  6. 8-K Other event2026-02-13
  7. 8-K Earnings results2026-01-14
  8. 8-K Reg FD disclosure2026-01-06
  9. S-3/A Shelf registration (potential raise)2025-12-08

Recent filings

all on EDGAR ↗
424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗FWPFiling2026-07-02open ↗424B2Filing2026-07-02open ↗424B2Filing2026-07-02open ↗

Quality score

B
ValueGrowthProfitHealthMom.
ValueA-
GrowthB+
ProfitabilityA-
Financial healthA-
MomentumD
  • ✓Revenue growing year-over-year
  • ✓Profitable (positive net income)
  • ✓Net margin above 10%
  • ✗Return on equity above 15%
  • ✓P/E below 25

Fair value est.

$93.86

Undervalued +400% vs price

cheapfair valueexpensive

Modified Graham: EPS $3.81 × (8.5 + 1.5 × 10.0% growth) × 1.05 quality = 24.6× multiple. An estimate, not a price target.

17.9552-week20.27
Revenue
$113B
+6.8% YoY
Net margin
27.0%
ROE
10.1%
P/E
4.9

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Revenue$113B+6.8%
Net income$30.5B+13.1%
Diluted EPS$3.81+19.4%
Cash & equivalents$232B-20.1%
Total assets$3.41T+4.6%
Total liabilities$3.11T+4.8%
Stockholders' equity$303B+3.2%
L/E: 10.25x

Frequently asked

Is BANK OF AMERICA CORP /DE/ (BML-PG) a buy?
BML-PG currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Revenue grew 6.8% YoY; but high leverage (liabilities/equity 10.3x).
What is BML-PG's fair value?
A Modified-Graham model based on BML-PG's SEC fundamentals estimates a fair value of about $93.86. It is an estimate from reported earnings, not a price target.
Is BML-PG overvalued or undervalued?
Against a Modified-Graham fair-value estimate, BML-PG currently appears undervalued relative to its SEC-grounded earnings power.
What is BANK OF AMERICA CORP /DE/'s quality score?
BML-PG scores 74.34672237564502/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0000070858, latest 10-Q filed 2026-05-01) · EODHD · as of 6/17/2026, 7:47:35 PM.

›About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice

Rule-based analysis, generated automatically from SEC filing data.

Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 17, 2026, 3:47 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC

Last 90 days: 9 open-market buys · 6 sales

2026-06-15
MOYNIHAN BRIAN T
Chair and CEO
Exercise18.1K
2026-06-15
MOYNIHAN BRIAN T
Chair and CEO
Disposed (D)18.1K @ $55.87$1.01M
2026-06-11
BANK OF AMERICA CORP /DE/
10% owner
Buy1.00 @ $0.02$0.02
2026-06-11
BANK OF AMERICA CORP /DE/
10% owner
Buy1.00 @ $0.02$0.02
2026-06-11
BANK OF AMERICA CORP /DE/
10% owner
Buy1.00 @ $0.01$0.01
2026-06-11
BANK OF AMERICA CORP /DE/
10% owner
Buy1.00 @ $0.01$0.01
2026-06-11
BANK OF AMERICA CORP /DE/
10% owner
Buy3.00 @ $0.01$0.03
2026-06-11
BANK OF AMERICA CORP /DE/
10% owner
Sell15.00 @ $0.01$0.15
2026-05-29
BANK OF AMERICA CORP /DE/
10% owner
Disposed (J)101.00
2026-05-29
BANK OF AMERICA CORP /DE/
10% owner
Disposed (J)194.00
2026-05-29
BANK OF AMERICA CORP /DE/
10% owner
Disposed (J)127.00
2026-05-29
BANK OF AMERICA CORP /DE/
10% owner
Disposed (J)192.00

Dividends

Quarterly
Yield (TTM)
6.7%
Annual / share
$1.25
Last ex-date
2026-05-15
Last amount
$0.29
ex 2026-05-15paid 2026-05-28$0.29
ex 2026-02-13paid 2026-02-27$0.30
ex 2025-11-14paid 2025-11-28$0.33
ex 2025-08-15paid 2025-08-28$0.33
ex 2025-05-15paid 2025-05-28$0.33
ex 2025-02-14paid 2025-02-28$0.35

Source: EODHD. Yield = trailing-12-month dividends ÷ price.

Earnings history

beat/miss · move
2026-04-15—▲ +0.08%8-K ↗
2026-01-14—▲ +0.47%8-K ↗
2025-10-15—▼ -0.15%8-K ↗
2025-07-16—▼ -1.10%8-K ↗
2025-04-15—▲ +1.32%8-K ↗
2025-01-16—▲ +0.35%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Recent news

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Vs tracked universe

compare →

1195 tracked peers · median

TENK Score74 vs 67
Revenue growth6.8% vs 7.5%
Net margin27.0% vs 10.0%
Return on equity10.1% vs 12.0%
P/E4.9 vs 26.2

News sentiment

EODHD · 18d
Bullish
+0.07
vs typical · 101 articles
↑ improving

Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.