Keuangan Bank of America Corporation (BAC)
NYSE · Financial Services · Banks - Diversified · Karyawan: 209.911 · CEO: Brian T. Moynihan
- Harga
- $50,01 -2,21%
- Kapitalisasi pasar
- $346 M
- Nilai perusahaan
- $700 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-30
- Laporan berikutnya
- 2027-01-15
Pendapatan (TTM)$195 M+3,1% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)22,4%+5,3 poin vs tahun laluLaba operasional: $43,6 M
Laba bersih (TTM)$32,1 M+8,3% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$41,4 M-32,7% vs tahun laluCapex: $0
EPS dilusian (TTM)$4,19+14,2% vs tahun laluJumlah 4 kuartal terakhir
Kas neto-$354 M-241,6% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $346 M EV $700 M
- Pendapatan
- $195 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 16,5% Laba bersih / pendapatan, TTM
- P/E
- 11,7×
- P/S
- 1,8× Harga / penjualan, TTM
- EV / EBITDA
- 15,4× TTM
- Arus kas bebas
- $41,4 M 12 bulan terakhir
- Laba bersih
- $32,1 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-15
- Dividen
- $1,16 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: -0,9% yoyPendapatan Q3 '26: $47,8 M, rata-rata empat kuartal sebelumnya: 3,1%.
- Margin operasional 22,4% (TTM), dibanding tahun lalu: +5,3 poinLaba operasional tumbuh 34,7%, pendapatan tumbuh 3,1%.
- Capex: 0,0% dari pendapatan (tahun lalu 0,0%)$0 diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $41,4 M = 128,8% dari laba bersih.
- $32,9 M dikembalikan ke pemegang saham = 79,5% dari arus kas bebasBuyback: $25,6 M (tahun lalu $18,7 M), dividen: $7,32 M, kompensasi saham: $3,12 M (TTM).
- Jumlah saham dilusian turun dalam setahun: 4,1%Saham dilusian pada Q3 '26: 7,31 M, setahun sebelumnya: 7,63 M.
- Utang neto: $354 MKas + investasi jangka pendek: $26,9 M, utang termasuk sewa: $381 M; tahun lalu kas neto: $250 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $47,8 M | $48,2 M | -0,9% |
| Margin kotor | 60,1% | 55,6% | +4,5 poin |
| Laba operasional | $9,21 M | $9,46 M | -2,6% |
| Margin operasional | 19,3% | 19,6% | -0,3 poin |
| Laba bersih | $6,93 M | $8,47 M | -18,1% |
| EPS dilusian | $0,91 | $1,06 | -14,2% |
| Arus kas operasional | -$6,5 M | $46,9 M | -113,9% |
| Capex | $0 | $0 | – |
| Arus kas bebas | -$6,5 M | $46,9 M | -113,9% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | $1,02 M | -100,0% |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Consumer Banking Segment | $11,6 M | +3,6% | 37,6% | – | – | |
| Global Wealth and Investment Management Segment | $7,12 M | +12,8% | 23,1% | – | – | |
| Global Banking Segment | $6,21 M | -0,6% | 20,2% | – | – | |
| Global Markets Segment | $5,87 M | -5,7% | 19,1% | – | – |
Pendapatan per wilayah
porsi dari total| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Segment, Geographical, Groups of Countries, Group Two | $2,62 M | – | 64,9% | – | – | |
| Segment, Geographical, Groups of Countries, Group One | $957 jt | – | 23,7% | – | – | |
| Segment Geographical Groups Of Countries Group Three Member | $459 jt | – | 11,4% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $41,4 M
- Capex
- $0
- Buyback
- -$25,6 M
- Dividen
- -$7,32 M
- Akuisisi
- $0
- Utang neto diterbitkan
- $46,3 M
- Kompensasi berbasis saham
- $3,12 M
- Arus kas bebas
- $41,4 M
- Dikembalikan ke pemegang saham / FCF
- 79,5%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 11,7× | 12,2× | 10,3× – 14,2× |
| EV / EBITDA | 15,4× | 16,9× | 13,5× – 22,3× |
| EV / Penjualan | 3,6× | 4,0× | 2,8× – 5,5× |
| Harga / FCF | 8,4× | 19,1× 2 dari 5 tahun | 6,0× – 32,1× |
| Harga / Nilai buku | 1,2× | 1,2× | 0,9× – 1,4× |
| Imbal hasil FCF | 11,9% | 2,6% | -2,6% – 16,6% |
| Imbal hasil modal yang diinvestasikan | 29,4% | 3,1% | 2,3% – 4,0% |
| Imbal hasil ekuitas | 10,7% | 10,0% | 9,1% – 11,8% |
Analis
Target konsensus $66,00 (+32,0%)
rentang $60,00 – $75,00 · peringkat Buy
Beli kuat0
Beli35
Tahan18
Jual1
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 352 angka yang ditandai Bank of America Corporation dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| $830 M | – | – | – | – | – | |
| Accretion (Amortization) of Discounts and Premiums, Investments | $139 jt | $518 jt | -73,2% | $859 jt | $330 jt | +160,3% |
| Accrued Liabilities and Other Liabilities | $237 M | $232 M | +2,2% | $231 M | $212 M | +9,2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$15,3 M | -$11,7 M | -30,0% | -$10,5 M | -$15,3 M | +31,1% |
| Amortization of Intangible Assets | $18 jt | $20 jt | -10,0% | $78 jt | $78 jt | 0,0% |
| Assets | $3,43 T | $3,4 T | +0,7% | $3,41 T | $3,26 T | +4,6% |
| Cash and Due from Banks | $26,9 M | $25,4 M | +6,1% | $28,6 M | $26 M | +10,0% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$500 jt | $500 jt | -200,0% | -$2,2 M | -$3,4 M | +35,3% |
| Cash Segregated under Other Regulations | $4,4 M2025-12-31 | $4 M | +10,0% | $4,4 M | $4 M | +10,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $250 M | $247 M | +1,3% | $232 M | $290 M | -20,1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $19,9 M | -$19,5 M | +202,0% | -$58,3 M | -$43 M | -35,6% |
| Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments | -$1,58 M | -$731 jt | -116,6% | -$4,87 M | -$511 jt | -852,3% |
| Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge | $1,58 M | $728 jt | +117,2% | $4,76 M | $438 jt | +986,1% |
| Commercial Paper | $20,4 M2025-12-31 | $24,2 M | -15,7% | $20,4 M | $24,2 M | -15,7% |
| Common Stock, Capital Shares Reserved for Future Issuance | 529 jt | 586 jt | -9,7% | 586 jt | 552 jt | +6,2% |
| Common Stock, Dividends, Per Share, Cash Paid | – | – | – | $1,08 | $1,00 | +8,0% |
| Common Stock, Dividends, Per Share, Declared | $0,32 | $0,28 | +14,3% | $0,542018-12-31 | $0,39 | +38,5% |
| Common Stock, Par or Stated Value Per Share | $0,01 | $0,01 | 0,0% | $0,01 | $0,01 | 0,0% |
| Common Stock, Shares Authorized | 12,8 M | 12,8 M | 0,0% | 12,8 M | 12,8 M | 0,0% |
| Common Stock, Shares, Issued | 6,92 M | 7,33 M | -5,5% | 7,21 M | 7,61 M | -5,2% |
| Common Stock, Shares, Outstanding | 6,92 M | 7,33 M | -5,5% | 7,21 M | 7,61 M | -5,2% |
| Common Stocks, Including Additional Paid in Capital | $8,21 M | $31,8 M | -74,2% | $26,1 M | $45,3 M | -42,5% |
| Communications and Information Technology | $2,01 M | $1,83 M | +9,9% | $7,45 M | $7,23 M | +3,1% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $3,7 M | $9,09 M | -59,3% | $35,3 M | $29,5 M | +19,6% |
| Credit Derivative, Maximum Exposure, Undiscounted | $2,06 M | $1,88 M | +9,7% | $2,14 M | $1,89 M | +13,2% |
| Current Federal Tax Expense (Benefit) | – | – | – | $4,2 M | $4,71 M | -10,8% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $2,25 M | $2,07 M | +8,8% |
| Current Income Tax Expense (Benefit) | – | – | – | $6,89 M | $7,38 M | -6,6% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $442 jt | $603 jt | -26,7% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $250 jt | $467 jt | -46,5% | $790 jt | $364 jt | +117,0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $5,06 M | $3,2 M | +58,3% | $2,6 M | $3,86 M | -32,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $65,2 M | $136 M | -52,0% | $101 M | $103 M | -2,1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $2,86 M | $3,08 M | -7,2% | $2,55 M | $3,57 M | -28,7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $157 M | $74,4 M | +111,1% | $30,6 M | $107 M | -71,5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $2,2 M | $115 jt | +1.813,9% | $55 jt | $286 jt | -80,8% |
| Debt Securities, Available-for-sale, Realized Gain | $68 jt | $34 jt | +100,0% | $66 jt | $20 jt | +230,0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $21 jt | -$3 jt | +800,0% | -$20 jt | -$29 jt | +31,0% |
| Debt Securities, Available-for-sale, Realized Loss | $47 jt | $37 jt | +27,0% | $86 jt | $49 jt | +75,5% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $222 M | $210 M | +5,7% | $132 M | $211 M | -37,4% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $5,06 M | $3,2 M | +58,3% | $2,6 M | $3,86 M | -32,6% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $1 jt | $2 jt | -50,0% | $2 jt | $1 jt | +100,0% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $104 M | $84,9 M | +22,4% | $80,3 M | $108 M | -25,8% |
| Debt Securities, Held-to-maturity, Fair Value | $393 M | $447 M | -12,1% | $442 M | $451 M | -1,8% |
| Debt Securities, Trading, and Equity Securities, FV-NI | $332 M | $336 M | -0,9% | $367 M | $314 M | +16,7% |
| Debt Securities, Trading, Restricted | $162 M | $175 M | -7,5% | $186 M | $170 M | +9,1% |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $334 M | $393 M | -15,1% | $389 M | $350 M | +11,1% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $329 M | $390 M | -15,8% | $387 M | $346 M | +11,7% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10 | $286 M | $337 M | -15,1% | $332 M | $346 M | -4,0% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10 | $206 jt | $52,7 M | -99,6% | $39,8 M | $80,8 M | -50,7% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive | $102 M | $56 M | +81,7% | $69,8 M | $22,8 M | +206,5% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne | $4,14 M | $681 jt | +508,2% | $502 jt | $660 jt | -23,9% |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $496 M | $531 M | -6,6% | $523 M | $559 M | -6,4% |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss | $496 M | $531 M | -6,6% | $523 M | $559 M | -6,4% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | -$114 jt | -$1,68 M | +93,2% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $170 jt | $399 jt | -57,4% |
| Deferred Income Tax Expense (Benefit) | -$72 jt | $231 jt | -131,2% | $295 jt | -$1,13 M | +126,2% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | $239 jt | $153 jt | +56,2% |
| Deferred Tax Assets, Gross | $24,2 M2025-12-31 | $25,7 M | -5,9% | $24,2 M | $25,7 M | -5,9% |
| Deferred Tax Assets, Net | $15 M2025-12-31 | $16,4 M | -8,3% | $15 M | $16,4 M | -8,3% |
| Deferred Tax Assets, Net of Valuation Allowance | $21,9 M2025-12-31 | $23,3 M | -6,2% | $21,9 M | $23,3 M | -6,2% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30
Data per 2026-11-01