What if you invested in Bank of America in 2005?
BAC · Financial · Data through 2026-06-01
If you invested $1,000 in Bank of America in 2005
The same $1,000 in the S&P 500 would be worth $9,342(+834.2%)
The S&P 500 returned $9,342 on the same $1,000. S&P 500 outperformed by $7,364.
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Compare Bank of America to another stock
See how Bank of America stacks up since 2005, head to head.
What if Bank of America keeps this up?
Project forward at Bank of America's 3.2% historical growth rate. See 5-30 year scenarios.
Growth of $1,000
Bank of America vs. S&P 500 vs. US Dollar, 2005 to present
Year-by-Year Returns
$1,000 invested in Bank of America starting January 2005
| Year | Price | Value | Annual |
|---|---|---|---|
| 2005 | $28.65 | $1,000 | - |
| 2006 | $28.49 | $995 | -0.5% |
| 2007 | $35.34 | $1,234 | +24% |
| 2008 | $31.17 | $1,088 | -11.8% |
| 2009 | $5.02 | $175 | -83.9% |
| 2010 | $11.65 | $407 | +131.8% |
| 2011 | $10.57 | $369 | -9.3% |
| 2012 | $5.51 | $192 | -47.8% |
| 2013 | $8.80 | $307 | +59.5% |
| 2014 | $13.05 | $456 | +48.4% |
| 2015 | $11.89 | $415 | -8.9% |
| 2016 | $11.23 | $392 | -5.5% |
| 2017 | $18.27 | $638 | +62.6% |
| 2018 | $26.23 | $916 | +43.6% |
| 2019 | $23.77 | $830 | -9.4% |
| 2020 | $28.03 | $978 | +17.9% |
| 2021 | $25.99 | $907 | -7.3% |
| 2022 | $41.23 | $1,439 | +58.6% |
| 2023 | $32.44 | $1,132 | -21.3% |
| 2024 | $32.07 | $1,119 | -1.2% |
| 2025 | $44.76 | $1,562 | +39.6% |
| 2026 | $52.63 | $1,837 | +17.6% |
What this return means
$1,000 placed in Bank of America (BAC) in 2005 is worth $1,979 now. The total return is +97.9% over 21.6 years, as of 2026-06-01.
That is only about 3.2% a year once you compound it across 21.6 years. By comparison the S&P 500 returned about $9,342 on the same stake, edging out Bank of America by close to $7,364. The index compounded at about 10.9% a year, a reminder that a single stock can lag a basket of them.
The path was not smooth. The best single year was 2010 at +131.8%, and the worst was 2009 at -83.9%. At its lowest point the position was down about 86% from an earlier high. These figures use split-adjusted closing prices and exclude dividends, taxes, trading fees, and inflation, so a real after-tax result would differ.
This is historical math, not financial advice. Past performance does not guarantee future results.
What if you invested $100 a month instead?
Most people do not drop a lump sum in on day one. They add a fixed amount every month. Putting $100 into Bank of America at the close of every month from January 2005 through June 2026 means 258 buys and $25,800 contributed over about 21.5 years.
$100/month, dollar-cost averaged
$90,853
+252.1% on $25,800 in
Same $25,800, all in at the start
$51,051
+97.9% on $25,800 in
Spreading the buys out beat going all in at the start by $39,803. That happens when the price spent time below where it began, so averaging in caught the cheaper months. Averaging in also meant an average buy price of $16.10 per share across the whole stretch, so the monthly buyer never had to time a single low. Neither number counts dividends, taxes, or trading costs.
Illustrative fixed $100/month example, not a recommendation. Figures are computed from BAC split-adjusted monthly closes through June 2026. Past performance does not guarantee future results.
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For informational and educational purposes only. Not financial advice. Past performance does not guarantee future results. All calculations are based on split-adjusted closing prices from Yahoo Finance and do not account for dividends, taxes, or trading fees. See our methodology and full disclaimer.