BAC Bank Of America margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 78

Gross margin

100%

Operating margin

39.6%

EBITDA margin

37.3%

Net margin

26.1%

Currently, Bank Of America has a gross margin of 100%, an operating margin of 39.6%, an EBITDA margin of 37.3%, and a net margin of 26.1%. The largest improvement was in EBITDA margin, up 1 percentage points; the remaining margins held steady.

BAC margin history

Gross, operating, EBITDA and net margin trends

Bank Of America's margins averaged 100% gross, 37.55% operating, 34.65% EBITDA, and 25.49% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

BAC margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 0.2 percentage points, EBITDA margin by 1 percentage point, and net margin by 0.3 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

0.2pp

EBITDA margin expansion

1pp

Net margin expansion

0.3pp

BAC Gross margin

The average gross margin for Bank Of America was 100% during the last 3 years. The current gross margin stands at 100%, in line with its three-year average. The gross margin for Bank Of America moved between 100% in Dec 2023 and 100% in Sep 2026.

BAC Operating margin

In the last 3 years, Bank Of America had an average operating margin of 37.55%. Against its three-year average, Bank Of America's operating margin is currently 39.6%, 2.1 percentage points above its three-year average. Looking back over the last 3 years, Bank Of America's operating margin reached 41.1% at its highest point in Jun 2026 and 34% at its lowest in Sep 2024.

BAC EBITDA margin

Bank Of America's EBITDA margin averaged 34.65% during the last 3 years. Compared with its three-year average, Bank Of America's current EBITDA margin is 37.3% and is 2.7 percentage points above its three-year average. Over the last 3 years, Bank Of America's EBITDA margin peaked at 38.7% in Jun 2026 and reached a low of 30.8% in Sep 2024.

BAC Net margin

Over the last 3 years, Bank Of America's net margin averaged 25.49%. At present, Bank Of America's current net margin is 26.1%, which is 0.6 percentage points above its three-year average. During this period, net margin reached a high of 27.5% in Jun 2026 and a low of 22.8% in Sep 2024.

BAC margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, BAC is above the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 83.5%, Bank Of America's gross margin is 20% higher.

BAC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Bank Of America's gross margin?

For the period ending Sep 30, 2026, BAC recorded a gross margin of 100%.

What is Bank Of America's operating margin?

As of Sep 30, 2026, BAC has an operating margin of 39.6%.

What is Bank Of America's EBITDA margin?

The current EBITDA margin for BAC is 37.3% as of Sep 30, 2026.

What is Bank Of America's net margin?

For the period ending Sep 30, 2026, BAC recorded a net margin of 26.1%.

What are the average margins of BAC?

Bank Of America's gross, operating, EBITDA, and net margins averaged 100.0% gross, 37.6% operating, 34.7% EBITDA, and 25.5% net over the last 3 years.

What are the highest historical margins of BAC?

In the last 5 years, the highest margins reported by BAC were 100% gross in Sep 2026, 41.1% operating in Jun 2026, 40.3% EBITDA in Dec 2021, and 35.9% net in Dec 2021.

What are the lowest historical margins of BAC?

Looking back across 5 years, BAC reached its lowest margins at 100% gross in Dec 2021, 33% operating in Dec 2021, 30.8% EBITDA in Sep 2024, and 22.8% net in Sep 2024.