BAC at a glance
Bank of America Corp (BAC, SEC CIK 70858) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on July 24, 2026 and Form 4 insider filings as recently as September 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Bank of America Corp (BAC) reported revenue of $113.1 billion (up 11.0% from FY2024) and net income of $30.5 billion. Diluted EPS was $3.81.
- As of June 30, 2026, 66 institutional investment managers tracked by SignalX reported holding Bank of America Corp (BAC) shares worth $170.0 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $113.1B
- +11.0% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 66 funds
- $170.0B · +0 vs prior quarter
- Latest 8-K
- Jul 24, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Full-service financial institution across Consumer Banking, GWIM, Global Banking, and Global Markets segments
- Compensation and benefits expense rose to $42.3B in 2025 vs $40.2B in 2024, representing 61% of total noninterest expense
- Workforce stable at ~213,000 employees; hired 18,000+ in 2025 with 7.6 million training hours delivered
- U.S. minimum wage reached $25/hour in October 2025, completing goal announced in 2021; ~96% of employees receiving Sharing Success awards in Q1 2026
- SCB decreased to 2.5% after 2025 CCAR stress test; G-SIB surcharge remains 3.0%, constraining capital return capacity
Risk Factors
- OCC Consent Order (Dec 2024) against BANA for BSA/anti-money laundering and economic sanctions compliance failures; additional regulators investigating same programs
- US-China tariff escalation risk: counter-tariffs, FX measures, or large-scale sale of US Treasuries could destabilize financial markets and disrupt world trade
- GSE concentration: sold ~$2.3B loans to GSEs (primarily Freddie Mac) in 2025; potential conservatorship exit could force costlier alternative funding or higher credit risk retention
- G-SIB surcharge rising from 3.0% to 3.5% in 2027, with further increases possible, constraining dividends and share buybacks
Management Discussion & Analysis
- Revenue $113.1B, up $7.2B (+6.8%) YoY; NII $60.1B (+$4.0B), noninterest income $53.0B (+$3.2B)
- Efficiency ratio 61.65% vs 63.12%; return on avg tangible common equity 14.22% vs 12.94%; net income $30.5B vs $27.0B
- Best segment: Consumer Banking net income $12.2B, efficiency ratio 51.97%; worst: Global Banking net income $7.8B, down $191M, efficiency ratio 51.51% vs 49.91%
- Capital return: common dividends $1.08/share vs $1.00; share count reduced ~157M avg diluted shares YoY; loans grew $89.9B, deposits $53.3B
- Key risks: tariff/trade policy uncertainty, interest rate volatility, potential higher credit losses; CET1 ratio declined to 11.4% from 11.9%
AI summary of the BAC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Common dividends $2.0B during quarter ended June 30, 2026
- CET1 ratio 11.2% Standardized vs 11.4% December 31, 2025
- RWA $1,792B, up $19.3B in second quarter, driven by Global Banking and Global Markets
- Average liquidity sources $947B vs $975B December 31, 2025
- Deposits $2.03T, up $6.4B from December 31, 2025; G-SIB surcharge rises January 1, 2027
Risk Factors
- No risk-factors section provided; submitted text covers share repurchases, exhibits, and signatures
- Dividend liquidity risk: subsidiary distributions subject to regulatory capital requirements
- Shareholder-priority risk: preferred stock has dividend preference over common stock
- Capital-allocation risk: $6.0 billion repurchased under the 2025 Repurchase Program during the quarter
AI summary of the BAC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Exhibit 99.1 is Bank of America’s July 24, 2026 press release
- Investor-relevant event details are contained in the attached press release rather than the provided filing section
Item EX-99.1: Item EX-99.1
- Common dividend raised 14% to $0.32 per share, payable September 25, 2026
- $13.2 billion of common stock repurchased and $4 billion paid in dividends during first-half 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 net income $9.1 billion, or $1.21 diluted EPS
- Results cover quarter ended June 30, 2026
Item 7.01: Regulation FD Disclosure
- July 14, 2026 investor call covering Bank of America’s second-quarter results for quarter ended June 30, 2026
- Presentation Materials include historical and forward-looking information relevant to investor outlook
Item EX-99.1: Item EX-99.1
- Q2 2026 net income $9.1B, diluted EPS $1.21, up from $0.98 in Q2 2025
- Revenue $31.6B, up from $28.4B, driven by net interest income $16.0B and noninterest income $15.6B
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 12 director nominees elected, including CEO Brian Moynihan, with 4.985B votes for and 346.2M against
- Say-on-pay approved, 5.057B votes for versus 249.9M against, supporting current executive compensation
AI summaries of BAC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for BAC
Don't miss the next BAC filing
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MOYNIHAN BRIAN T | M | Sep 15, 2026 | 18,082 | - |
| MOYNIHAN BRIAN T | M | Sep 15, 2026 | 18,082 | - |
| MOYNIHAN BRIAN T | D | Sep 15, 2026 | 18,082 | $59.52 |
| MOYNIHAN BRIAN T | D | Aug 15, 2026 | 18,083 | $64.49 |
| MOYNIHAN BRIAN T | M | Aug 15, 2026 | 18,083 | - |
| MOYNIHAN BRIAN T | M | Aug 15, 2026 | 18,083 | - |
| MOYNIHAN BRIAN T | D | Jul 15, 2026 | 18,083 | $61.59 |
| MOYNIHAN BRIAN T | M | Jul 15, 2026 | 18,083 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $98.6B | $101.9B | $113.1B | |
| Net Income | $26.5B | $27.1B | $30.5B | |
| Net Margin | 26.9% | 26.6% | 27.0% | |
| Balance Sheet | ||||
| Total Assets | $3.2T | $3.3T | $3.4T | |
| Equity | $291.6B | $295.6B | $303.2B | |
| ROE | 9.1% | 9.2% | 10.1% | |
| Per Share | ||||
| EPS | $3.08 | $3.21 | $3.81 | |
| Cash Flow | ||||
| Operating CF | $45.0B | -$8.8B | $12.6B | |
Source: XBRL data in Bank of America Corp (BAC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate BAC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 66 | $169.99B |
| Q1 2026 | 66 | $147.89B |
| Q4 2025 | 64 | $173.80B |
| Q3 2025 | 67 | $179.53B |
| Q2 2025 | 63 | $155.73B |
| Q1 2025 | 58 | $110.19B |
| Q4 2024 | 57 | $105.30B |
| Q3 2024 | 55 | $64.13B |
- Vanguard Capital Management LLC+12.12M (+3%)
- Vanguard Portfolio Management LLC+8.91M (+5%)
- BlackRock+6.43M (+1%)
- Morgan Stanley+5.93M (+5%)
- State Street Corp+4.87M (+2%)
- Berkshire Hathaway Inc−30.23M (-6%)
- Citigroup−22.57M (-56%)
- T. Rowe Price Group−12.12M (-12%)
- Millennium Management−11.51M (-81%)
- FMR LLC (Fidelity)−9.30M (-5%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 496 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
BAC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 17, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 13F-HR | Aug 14, 2026 | Jun 30, 2026 | - | |
| SC 13G | Aug 3, 2026 | - | - | |
| SC 13G | Aug 3, 2026 | - | - | |
| SC 13G | Aug 3, 2026 | - | - | |
| SC 13G | Aug 3, 2026 | - | - | |
| SC 13G | Aug 3, 2026 | - | - | |
| 10-Q | Jul 31, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 4 | Jul 22, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 8-K | Jul 14, 2026 | - | Analysis | - |
| 4 | Jul 10, 2026 | - | - | - |
| 4 | Jun 17, 2026 | - | - | - |
| 4 | May 19, 2026 | - | - | |
| 13F-HR | May 18, 2026 | Mar 31, 2026 | - | |
| SC 13G | May 14, 2026 | - | - | |
| SC 13G | May 14, 2026 | - | - | |
| SC 13G | May 14, 2026 | - | - | |
| SC 13G | May 14, 2026 | - | - | |
| 4 | May 7, 2026 | - | - | |
| 8-K | May 6, 2026 | - | Analysis | |
| 4 | May 6, 2026 | - | - |
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BAC SEC filings: frequently asked questions
Which institutions hold BAC stock?
As of June 30, 2026, the largest Bank of America Corp (BAC) holders among the 13F filers tracked by SignalX were BlackRock ($31.1 billion), Berkshire Hathaway Inc ($27.5 billion), Vanguard Capital Management LLC ($24.0 billion), State Street Corp ($17.1 billion), FMR LLC (Fidelity) ($10.8 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was BAC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Bank of America Corp (BAC) reported revenue of $113.1 billion (up 11.0% from FY2024) and net income of $30.5 billion. Diluted EPS was $3.81. The figures come from the XBRL data in the 10-K.
What are the main risks in BAC's latest 10-K?
In the 10-K filed February 25, 2026, Bank of America Corp (BAC) flagged: OCC Consent Order (Dec 2024) against BANA for BSA/anti-money laundering and economic sanctions compliance failures; additional regulators investigating same programs. US-China tariff escalation risk: counter-tariffs, FX measures, or large-scale sale of US Treasuries could destabilize financial markets and disrupt world trade. (AI summary of the Risk Factors section.)
What did BAC report in its latest 8-K?
Bank of America Corp (BAC) filed an 8-K on July 24, 2026 reporting Item 8.01 (Other Events). Exhibit 99.1 is Bank of America’s July 24, 2026 press release.
What are the latest BAC SEC filings?
Bank of America Corp (BAC) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on July 24, 2026 and a Form 4 insider filing on September 17, 2026.
What is BAC's SEC CIK number?
Bank of America Corp (BAC)'s SEC Central Index Key (CIK) is 70858. EDGAR lists every BAC filing under that number.
Ask anything about BAC
The research agent reads BAC's filings, financials, insider trades and 13F holders, then answers with sources.