Bank of America Corporation (BAC)财务
NYSE · Financial Services · Banks - Diversified · 员工209,911人 · CEO Brian T. Moynihan
- 股价
- $50.01 -2.21%
- 市值
- $3460亿
- 企业价值
- $7000亿
- 最近财报
- Q3 '26 2026-10-30提交
- 下次财报
- 2027-01-15
营收(TTM)$1950亿+3.1% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)22.4%+5.3 百分点 对比去年同期营业利润 $436亿
净利润(TTM)$321亿+8.3% 对比去年同期税后,含营业外收益
自由现金流(TTM)$414亿-32.7% 对比去年同期资本支出 $0
稀释EPS(TTM)$4.19+14.2% 对比去年同期最近4个季度之和
净现金-$3540亿-241.6% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $3460亿 EV $7000亿
- 营收
- $1950亿 过去12个月
- 营收增速
- – 下一财年
- 净利润率
- 16.5% 净利润 / 营收,TTM
- P/E
- 11.7×
- P/S
- 1.8× 股价 / 营收,TTM
- EV / EBITDA
- 15.4× TTM
- 自由现金流
- $414亿 过去12个月
- 净利润
- $321亿 过去12个月
- 营收预期
- – 下一财年
- 盈利
- 2027-01-15
- 股息
- $1.16 每股,过去12个月
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长放缓:同比-0.9%Q3 '26营收$478亿,此前四个季度的平均值为3.1%。
- 营业利润率22.4%(TTM),较去年同期+5.3 百分点营收增长3.1%,营业利润增长34.7%。
- 资本支出占营收的0.0%(去年为0.0%)最近4个季度投入$0(同比–)。自由现金流$414亿,相当于净利润的128.8%。
- 股东回报$329亿 = 自由现金流的79.5%回购$256亿(去年为$187亿),股息$73.2亿,股权激励$31.2亿(TTM)。
- 稀释股数一年内减少4.1%Q3 '26稀释股数73.1亿,一年前为76.3亿。
- 净债务 $3540亿现金 + 短期投资 $269亿,含租赁债务 $3810亿;一年前净现金 $2500亿。
上一季度:Q3 '26
截至2026-09-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $478亿 | $482亿 | -0.9% |
| 毛利率 | 60.1% | 55.6% | +4.5 百分点 |
| 营业利润 | $92.1亿 | $94.6亿 | -2.6% |
| 营业利润率 | 19.3% | 19.6% | -0.3 百分点 |
| 净利润 | $69.3亿 | $84.7亿 | -18.1% |
| 稀释EPS | $0.91 | $1.06 | -14.2% |
| 经营现金流 | -$65亿 | $469亿 | -113.9% |
| 资本支出 | $0 | $0 | – |
| 自由现金流 | -$65亿 | $469亿 | -113.9% |
| R&D | $0 | $0 | – |
| 股权激励费用 | $0 | $10.2亿 | -100.0% |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q3 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Consumer Banking Segment | $116亿 | +3.6% | 37.6% | – | – | |
| Global Wealth and Investment Management Segment | $71.2亿 | +12.8% | 23.1% | – | – | |
| Global Banking Segment | $62.1亿 | -0.6% | 20.2% | – | – | |
| Global Markets Segment | $58.7亿 | -5.7% | 19.1% | – | – |
按地区划分的营收
占总额比例| 分部 | Q3 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Segment, Geographical, Groups of Countries, Group Two | $26.2亿 | – | 64.9% | – | – | |
| Segment, Geographical, Groups of Countries, Group One | $9.57亿 | – | 23.7% | – | – | |
| Segment Geographical Groups Of Countries Group Three Member | $4.59亿 | – | 11.4% | – | – |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 经营现金流
- $414亿
- 资本支出
- $0
- 股票回购
- -$256亿
- 股息
- -$73.2亿
- 收购
- $0
- 债务净发行
- $463亿
- 股权激励费用
- $31.2亿
- 自由现金流
- $414亿
- 股东回报 / FCF
- 79.5%
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 11.7× | 12.2× | 10.3× – 14.2× |
| EV / EBITDA | 15.4× | 16.9× | 13.5× – 22.3× |
| EV / 营收 | 3.6× | 4.0× | 2.8× – 5.5× |
| 股价 / FCF | 8.4× | 19.1× 5年中的2年 | 6.0× – 32.1× |
| 股价 / 净资产 | 1.2× | 1.2× | 0.9× – 1.4× |
| FCF收益率 | 11.9% | 2.6% | -2.6% – 16.6% |
| 投入资本回报率 | 29.4% | 3.1% | 2.3% – 4.0% |
| 净资产收益率 | 10.7% | 10.0% | 9.1% – 11.8% |
分析师
一致目标价 $66.00 (+32.0%)
区间 $60.00 – $75.00 · 评级 Buy
强烈买入0
买入35
持有18
卖出1
强烈卖出0
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
Bank of America Corporation在近期10-Q / 10-K文件中标记的全部352项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| $8300亿 | – | – | – | – | – | |
| Accretion (Amortization) of Discounts and Premiums, Investments | $1.39亿 | $5.18亿 | -73.2% | $8.59亿 | $3.3亿 | +160.3% |
| Accrued Liabilities and Other Liabilities | $2370亿 | $2320亿 | +2.2% | $2310亿 | $2120亿 | +9.2% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$153亿 | -$117亿 | -30.0% | -$105亿 | -$153亿 | +31.1% |
| Amortization of Intangible Assets | $1800万 | $2000万 | -10.0% | $7800万 | $7800万 | 0.0% |
| Assets | $3.43万亿 | $3.4万亿 | +0.7% | $3.41万亿 | $3.26万亿 | +4.6% |
| Cash and Due from Banks | $269亿 | $254亿 | +6.1% | $286亿 | $260亿 | +10.0% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$5亿 | $5亿 | -200.0% | -$22亿 | -$34亿 | +35.3% |
| Cash Segregated under Other Regulations | $44亿2025-12-31 | $40亿 | +10.0% | $44亿 | $40亿 | +10.0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $2500亿 | $2470亿 | +1.3% | $2320亿 | $2900亿 | -20.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $199亿 | -$195亿 | +202.0% | -$583亿 | -$430亿 | -35.6% |
| Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments | -$15.8亿 | -$7.31亿 | -116.6% | -$48.7亿 | -$5.11亿 | -852.3% |
| Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge | $15.8亿 | $7.28亿 | +117.2% | $47.6亿 | $4.38亿 | +986.1% |
| Commercial Paper | $204亿2025-12-31 | $242亿 | -15.7% | $204亿 | $242亿 | -15.7% |
| Common Stock, Capital Shares Reserved for Future Issuance | 5.29亿 | 5.86亿 | -9.7% | 5.86亿 | 5.52亿 | +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 | 128亿 | 128亿 | 0.0% | 128亿 | 128亿 | 0.0% |
| Common Stock, Shares, Issued | 69.2亿 | 73.3亿 | -5.5% | 72.1亿 | 76.1亿 | -5.2% |
| Common Stock, Shares, Outstanding | 69.2亿 | 73.3亿 | -5.5% | 72.1亿 | 76.1亿 | -5.2% |
| Common Stocks, Including Additional Paid in Capital | $82.1亿 | $318亿 | -74.2% | $261亿 | $453亿 | -42.5% |
| Communications and Information Technology | $20.1亿 | $18.3亿 | +9.9% | $74.5亿 | $72.3亿 | +3.1% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $37亿 | $90.9亿 | -59.3% | $353亿 | $295亿 | +19.6% |
| Credit Derivative, Maximum Exposure, Undiscounted | $20.6亿 | $18.8亿 | +9.7% | $21.4亿 | $18.9亿 | +13.2% |
| Current Federal Tax Expense (Benefit) | – | – | – | $42亿 | $47.1亿 | -10.8% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $22.5亿 | $20.7亿 | +8.8% |
| Current Income Tax Expense (Benefit) | – | – | – | $68.9亿 | $73.8亿 | -6.6% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $4.42亿 | $6.03亿 | -26.7% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $2.5亿 | $4.67亿 | -46.5% | $7.9亿 | $3.64亿 | +117.0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $50.6亿 | $32亿 | +58.3% | $26亿 | $38.6亿 | -32.6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $652亿 | $1360亿 | -52.0% | $1010亿 | $1030亿 | -2.1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $28.6亿 | $30.8亿 | -7.2% | $25.5亿 | $35.7亿 | -28.7% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $1570亿 | $744亿 | +111.1% | $306亿 | $1070亿 | -71.5% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $22亿 | $1.15亿 | +1,813.9% | $5500万 | $2.86亿 | -80.8% |
| Debt Securities, Available-for-sale, Realized Gain | $6800万 | $3400万 | +100.0% | $6600万 | $2000万 | +230.0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | $2100万 | -$300万 | +800.0% | -$2000万 | -$2900万 | +31.0% |
| Debt Securities, Available-for-sale, Realized Loss | $4700万 | $3700万 | +27.0% | $8600万 | $4900万 | +75.5% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $2220亿 | $2100亿 | +5.7% | $1320亿 | $2110亿 | -37.4% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $50.6亿 | $32亿 | +58.3% | $26亿 | $38.6亿 | -32.6% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $100万 | $200万 | -50.0% | $200万 | $100万 | +100.0% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $1040亿 | $849亿 | +22.4% | $803亿 | $1080亿 | -25.8% |
| Debt Securities, Held-to-maturity, Fair Value | $3930亿 | $4470亿 | -12.1% | $4420亿 | $4510亿 | -1.8% |
| Debt Securities, Trading, and Equity Securities, FV-NI | $3320亿 | $3360亿 | -0.9% | $3670亿 | $3140亿 | +16.7% |
| Debt Securities, Trading, Restricted | $1620亿 | $1750亿 | -7.5% | $1860亿 | $1700亿 | +9.1% |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $3340亿 | $3930亿 | -15.1% | $3890亿 | $3500亿 | +11.1% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $3290亿 | $3900亿 | -15.8% | $3870亿 | $3460亿 | +11.7% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10 | $2860亿 | $3370亿 | -15.1% | $3320亿 | $3460亿 | -4.0% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10 | $2.06亿 | $527亿 | -99.6% | $398亿 | $808亿 | -50.7% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive | $1020亿 | $560亿 | +81.7% | $698亿 | $228亿 | +206.5% |
| DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne | $41.4亿 | $6.81亿 | +508.2% | $5.02亿 | $6.6亿 | -23.9% |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $4960亿 | $5310亿 | -6.6% | $5230亿 | $5590亿 | -6.4% |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss | $4960亿 | $5310亿 | -6.6% | $5230亿 | $5590亿 | -6.4% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | -$1.14亿 | -$16.8亿 | +93.2% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $1.7亿 | $3.99亿 | -57.4% |
| Deferred Income Tax Expense (Benefit) | -$7200万 | $2.31亿 | -131.2% | $2.95亿 | -$11.3亿 | +126.2% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | $2.39亿 | $1.53亿 | +56.2% |
| Deferred Tax Assets, Gross | $242亿2025-12-31 | $257亿 | -5.9% | $242亿 | $257亿 | -5.9% |
| Deferred Tax Assets, Net | $150亿2025-12-31 | $164亿 | -8.3% | $150亿 | $164亿 | -8.3% |
| Deferred Tax Assets, Net of Valuation Allowance | $219亿2025-12-31 | $233亿 | -6.2% | $219亿 | $233亿 | -6.2% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标、预期:Financial Modeling Prep。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 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
数据截至 2026-11-01