BAC · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Nov 2, 2026.
48 filings were skipped because the SEC primary document returned 404; the omission is disclosed and aggregates are withheld.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (9 versus 0). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| Thomas William B.Director | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 2,930 | —Grant, award, or other acquisition (A) | — | 2,930 | Oct 21, 2026 | 1 filed lot
|
| Thomas William B.Director | Payment of exercise price or tax liability (F)Table I · Disposed · Common Stock | 1,170 | $50.78 | $59,413 | 1,760 | Oct 21, 2026 | 1 filed lot
|
| Fitterling James RDirector | Grant, award, or other acquisition (A)Table II · Acquired · Phantom Stock | 2,930.68 | Not disclosed | Not disclosed | 2,930.68 | Oct 21, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 18,083 | Not disclosed | Not disclosed | 2,717,695 | Oct 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Disposition to the issuer (D)Table I · Disposed · Common Stock | 18,083 | $51.70 | $934,891 | 2,699,612 | Oct 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Exercise or conversion of derivative security (M)Table II · Disposed · 2026 Cash Settled Restricted Stock Units · 1 paired event | 18,083 | Not disclosed | Not disclosed | 72,332 | Oct 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 18,082 | Not disclosed | Not disclosed | 2,717,694 | Sep 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Disposition to the issuer (D)Table I · Disposed · Common Stock | 18,082 | $59.52 | $1,076,241 | 2,699,612 | Sep 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Exercise or conversion of derivative security (M)Table II · Disposed · 2026 Cash Settled Restricted Stock Units · 1 paired event | 18,082 | Not disclosed | Not disclosed | 90,415 | Sep 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Exercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event | 18,083 | Not disclosed | Not disclosed | 2,717,695 | Aug 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Disposition to the issuer (D)Table I · Disposed · Common Stock | 18,083 | $64.49 | $1,166,173 | 2,699,612 | Aug 15, 2026 | 1 filed lot
|
| MOYNIHAN BRIAN TDirector, Chair and CEO | Exercise or conversion of derivative security (M)Table II · Disposed · 2026 Cash Settled Restricted Stock Units · 1 paired event | 18,083 | Not disclosed | Not disclosed | 108,497 | Aug 15, 2026 | 1 filed lot
|
| Okpara JohnbullChief Accounting Officer | Other acquisition or disposition (J)Table I · Disposed · Preferred Stock, Series DD | 50 | $1,000.00 | $50,000 | 0 | Mar 10, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $60.1B | 100% |
| |
| Income before tax | $37.7B | 63% |
|
| Income tax | $7.2B | 12% |
|
| $30.5B | 51% |
|
Flagship explainer
BofA Finance LLC's filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $3.41T | 100% |
|
| Cash and equivalents | $231.8B | 7% |
|
| Property, plant and equipment | $12.5B | 0% |
|
| Goodwill | $69.0B | 2% |
|
| Deferred tax assets | $21.9B | 1% |
|
| Operating lease right-of-use assets | $8.4B | 0% |
|
| Total liabilities | $3.11T | 91% |
|
| $386.3B | 11% |
| |
| Stockholders’ equity | $303.2B | 9% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $30.5B | FY2025 |
|
| Income before tax | $37.7B | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | $113.1B | FY2025 |
|
| Ending assets | $3.41T | FY2025 |
|
| Beginning assets | $3.26T | FY2024 |
|
| Ending equity | $303.2B | FY2025 |
|
| Beginning equity | $294.0B | FY2024 |
|
Flagship explainer
BofA Finance LLC’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $12.6B | 100% |
|
| Depreciation and amortization | $2.3B | 18% |
|
| Share-based compensation | $4.0B | 32% |
|
| Cash from investing | −$145.2B | −1151% |
|
| Cash from financing | $69.9B | 555% |
|
| Exchange-rate effect | $4.3B | 34% |
|
| Net change in cash | −$58.3B | −462% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
2 holding0 exited10 not holding12/19 resolved7 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Oakmark / Harris Associates | 23,090,903 shares$1.3B · 2% of eligible reported 13F | Added to position · +4,183,044 shares (22%) |
|
| Sequoia / Ruane Cunniff | 3,625 shares$206553 · 0% of eligible reported 13F | Added · +3,625 shares |
|
| Abrams Capital | No position reported | No position reported |
|
| Akre Capital | No position reported | No position reported |
|
| Baupost Group | No position reported | No position reported |
|
| Fundsmith | No position reported | No position reported |
|
| Gardner Russo & Quinn | No position reported | No position reported |
|
| Gates Foundation Trust | No position reported | No position reported |
|
| Markel / Markel-Gayner | No position reported | No position reported |
|
| Polen Capital | No position reported | No position reported |
|
| Southeastern Asset Management | No position reported | No position reported |
|
| Yacktman Asset Management | No position reported | No position reported |
|
| Berkshire Hathaway | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Brave Warrior Advisors | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Dodge & Cox | Not retrieved | Comparison not retrieved | Filing not retrieved |
| First Eagle | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Mairs & Power | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
| Tweedy, Browne | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Nov 2, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 10.1% on average equity, above the 10% hurdle in 56% of 9 years.
Q3 scored 3 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 10 years, ROE very steady.
Net interest income is 1.80% of average assets, very steady over 9 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 64 | |
| Jul 26, 2026 | 63 | |
| Jul 26, 2026 | 63 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.