What is the 13F Pro Quality Score for BAC?

13F Pro ranks BANK OF AMERICA CORP /DE/ (BAC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BAC's current score at https://13fpro.ai/research/BAC (free sign-up required for the full ranking).

Which hedge funds own the most BAC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of BAC include BlackRock,, BERKSHIRE HATHAWAY, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/BAC as soon as new 13F filings post.

Where does 13F Pro source BAC data?

All BANK OF AMERICA CORP /DE/ fundamentals and ownership data come directly from SEC EDGAR. BANK OF AMERICA CORP /DE/ files with the SEC under CIK 70858. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BAC in?

BANK OF AMERICA CORP /DE/ (BAC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives BAC's revenue?

Per BANK OF AMERICA CORP /DE/'s latest 10-Q filed with the SEC on 2026-05-01, the biggest revenue drivers are: Net Interest Income ($15.7B, +9% YoY); Noninterest Income ($14.5B, +5% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/BAC.

What are BAC's largest expenses?

BANK OF AMERICA CORP /DE/'s latest 10-Q reports these as the largest expense items: Compensation and Benefits ($11.3B, +4% YoY); Noninterest Expense (total) ($18.5B, +4% YoY); Provision for Credit Losses ($1.3B, -10% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is BAC research updated on 13F Pro?

BAC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BANK OF AMERICA CORP /DE/(BAC)Stock Analysis

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13F Pro Quality Score

68.4/100

Rank #415 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

49.5/100

Profitability

89.2/100

Balance Sheet

42.9/100

Earnings Quality

42.6/100

Free Cash Flow

95.5/100

Institutional Flow

28.5/100

Revenue Scale

98.9/100

Dilution Risk

31.1/100

BAC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for BANK OF AMERICA CORP /DE/ (BAC), a Financials sector company. 13F Pro's AI-powered ranking engine scores BAC at 68.4/100 on a 32-signal composite quality model, placing it at rank #415 of 2,879 stocks — the top 25% of the AI-ranked universe. BAC scores in the top quartile across revenue scale (98.9), free cash flow (95.5), profitability (89.2). Areas of concern include institutional flow (28.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 31.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), BANK OF AMERICA CORP /DE/ reports quarterly revenue of $30.3B, net income of $8.6B, an operating margin of 34.4%. Top institutional holders of BAC by reported 13-F value include BlackRock,, BERKSHIRE HATHAWAY, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. BAC trades on the NYSE exchange and files with the SEC under CIK 70858. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BAC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BANK OF AMERICA CORP /DE/ directly from SEC EDGAR. BANK OF AMERICA CORP /DE/'s 13F Pro composite quality score has ranged between 47 and 70 since 2021, currently 68.4 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about BANK OF AMERICA CORP /DE/

Quirks, history, and lore behind BAC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mega-cap · listed on the NYSE · headquartered in North Carolina.
2
The Numbers
One of the largest banks in the world by assets, with a balance sheet north of $3 trillion — serving roughly 66 million consumer and small-business clients.
3
The History
Its roots trace to 1904 in San Francisco, where it was originally founded to serve immigrant communities — an unusual origin story for a titan of Wall Street.
4
The Secret
It grew into a coast-to-coast behemoth largely through aggressive acquisitions, including a controversial 2008 purchase of Merrill Lynch at the height of the financial crisis.
5
The Lore
Warren Buffett is one of its largest shareholders, and the company operates Merrill Lynch wealth management alongside its own investment banking arm — two giants under one roof.
6
The Giveaway
Its name literally promises to serve an entire nation — and with branches in nearly every U.S. state, the red, white, and blue flag logo is hard to miss on Main Street.

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What's Driving BAC's Business? Latest 10-Q Breakdown

✓ 16/16 datapoints verified

AI-extracted from BANK OF AMERICA CORP /DE/'s 10-Q filed 2026-05-01 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $8.6B (+17% YoY) driven by higher net interest income and noninterest income, with total assets reaching $3.5T.

Biggest Revenue Drivers

Total revenue: $30.3B+7% YoY

Net Interest Income$15.7B+9% YoY

Higher net interest income related to Global Markets activity, deposit and loan growth, and fixed-asset repricing, partially offset by lower interest rates.

Noninterest Income$14.5B+5% YoY

Increase driven by higher asset management fees reflecting strong AUM flows and higher market valuations, as well as higher investment banking fees and brokerage fees from increased transactional volume.

Largest Expense Items

Compensation and Benefits$11.3B+4% YoY

Higher revenue-related expenses and continued investments in people and technology.

Noninterest Expense (total)$18.5B+4% YoY

Increase primarily driven by higher revenue-related expenses and continued business investments, including technology.

Provision for Credit Losses$1.3B-10% YoY

Decrease primarily driven by improved asset quality in credit card, partially offset by loan growth and qualitative reserve build for Middle East conflict uncertainties.

Margins: Efficiency ratio improved to 61.22% from 62.91% YoY. Net interest yield on FTE basis increased 8 bps to 2.07%, driven by higher deposit spreads and loan growth, partially offset by lower interest rates. Operating leverage remains positive with revenue growth outpacing expense growth.

Watch Items from the Filing

Nonperforming loans remained stable at $5.8B (0.49% of outstanding loans), with consumer nonperforming loans increasing $104M to $2.7B due to extended residential mortgage relief for California wildfire rebuilding.
Allowance for credit losses decreased $71M to $14.3B; reserve for unfunded lending commitments at $1.2B reflects geopolitical uncertainties and Middle East conflict impacts on commercial portfolio.
Commercial reservable criticized utilized exposure improved to $24.3B (3.21% of total) from $24.7B (3.37%), driven by commercial real estate portfolio improvement.
Total deposits increased $18.9B to $2.04T; deposit spreads in Consumer Banking, GWIM, and Global Banking remain elevated at 301 bps, 204 bps, and 221 bps respectively, though rates paid on deposits declined YoY.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$30.3B

Net Income

Q1 2026

$8.6B

Free Cash Flow

Q1 2026

$41.8B

Operating Margin

Q1 2026

34.4%

ROIC

Q1 2026

1.7%

D/E Ratio

Q1 2026

1.08

AI Insight: BAC Financial Trends

Net income surged 24% year-over-year to $8.6B in Q1 2026, but total debt climbed to record $325.9B while operating cash flow remains volatile.

• Net income grew from $7.4B (Q1 2025) to $8.6B (Q1 2026), a 16% increase over four quarters.

• Revenue increased from $28.2B (Q1 2025) to $30.3B (Q1 2026), marking 7% year-over-year growth.

• Total debt expanded from $304.1B (Q1 2025) to $325.9B (Q1 2026), highest on record in this dataset.

⚠ Operating cash flow remains highly volatile, swinging from $46.9B (Q3 2025) to -$22.9B (Q4 2025) to +$41.8B (Q1 2026).

⚠ Leverage rising: debt-to-equity ratio climbed from 1.04x (Q1 2025) to 1.08x (Q1 2026).

AI Insight: BAC Ratio Trends

Operating margin surged to 34.4% in Q1 2026, while ROE climbed to 11.4%—the highest in the trailing dataset—signaling strong profitability recovery.

• Operating margin expanded from 25.7% in Q2 2025 to 34.4% in Q1 2026, a 9.7pp gain over three quarters.

• ROE improved from 9.3% in Q3 2024 to 11.4% in Q1 2026, reflecting better capital efficiency.

• ROIC climbed to 6.6% in Q1 2026 from 4.4% in Q2 2025, demonstrating improved capital deployment.

⚠ Net profit margin volatility: peaked at 30.1% in Q3 2025 but fell to 28.4% in Q1 2026—core profitability consistency unclear.

⚠ Leverage ticked up to 1.08 D/E in Q1 2026 from 1.05 in Q4 2025, reversing prior quarter deleveraging.

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Available Research

13F Pro tracks comprehensive data for BANK OF AMERICA CORP /DE/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BAC

BlackRock, Inc.
$26.3B539,258,516 sh
BERKSHIRE HATHAWAY INC
$25.0B513,624,165 sh
VANGUARD CAPITAL MANAGEMENT LLC
$20.0B409,704,665 sh
STATE STREET CORP
$14.4B294,909,309 sh
FMR LLC
$9.7B198,484,617 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$8.0B163,431,813 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.7B157,925,189 sh
Capital World Investors
$7.0B144,289,396 sh
MORGAN STANLEY
$5.3B108,670,801 sh
FRANKLIN RESOURCES INC
$3.6B73,067,991 sh

Fund	Value	Shares
BlackRock, Inc.	$26.3B	539,258,516
BERKSHIRE HATHAWAY INC	$25.0B	513,624,165
VANGUARD CAPITAL MANAGEMENT LLC	$20.0B	409,704,665
STATE STREET CORP	$14.4B	294,909,309
FMR LLC	$9.7B	198,484,617
VANGUARD PORTFOLIO MANAGEMENT LLC	$8.0B	163,431,813
GEODE CAPITAL MANAGEMENT, LLC	$7.7B	157,925,189
Capital World Investors	$7.0B	144,289,396
MORGAN STANLEY	$5.3B	108,670,801
FRANKLIN RESOURCES INC	$3.6B	73,067,991

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Is BAC a good stock to buy?

13F Pro's AI-powered analysis of BANK OF AMERICA CORP /DE/ (BAC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BAC are available on the BAC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BAC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BAC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BANK OF AMERICA CORP /DE/'s investment landscape.