Overview Dividends

(BAC) Bank of America - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0605051046

Checking, Savings, Cards, Loans, Investments

Diversified Banks
Market Cap in USD: 408,419m

IPO / Inception: 1978-01-13
Return 12m vs S&P 500: 9.28%

EPS (Earnings per Share)

EPS CAGR: 7.09%
EPS Trend: 12.3%

Last SUE: 0.99
Qual. Beats: 1

Revenue

Rev. CAGR: 22.47%
Rev. Trend: 80.3%

Last SUE: 0.66
Qual. Beats: 0

Dividends

Dividend Yield	1.99%
Yield on Cost 5y	4.10%
Yield CAGR 5y	8.56%
Payout Consistency	92.5%
Payout Ratio	29.4%

Risk via 5d forecast
Volatility	22.9%
Value at Risk 5%th	34.5%
Relative Tail Risk	-8.55%

Reward TTM
Sharpe Ratio	0.76
Alpha	9.63
CAGR/Max DD	0.74

Character TTM
Hurst Exponent	0.653
Beta	0.957
Beta Downside	1.383

Drawdowns 3y
Max DD	29.98%
Mean DD	8.86%
Median DD	5.86%

Description: BAC Bank of America December 02, 2025

Bank of America Corp. (NYSE:BAC) operates through four primary segments-Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets-offering a full suite of financial products ranging from deposit accounts and consumer loans to sophisticated treasury, underwriting, and risk-management services for corporations, institutions, and governments worldwide.

Key recent metrics: as of Q3 2024, the bank reported a net interest margin of 3.15% (up 12 bps YoY), driven by a higher Federal Funds rate environment, while total deposits grew 5% YoY to $2.3 trillion, reflecting strong consumer confidence and competitive pricing on savings products.

Sector drivers that will likely influence BAC’s performance include the trajectory of U.S. interest rates, which affect loan-net interest spreads, and the pace of commercial real-estate loan delinquencies, a growing risk factor as the economy transitions from pandemic-era stimulus.

For a deeper dive into BAC’s valuation and scenario analysis, the ValueRay platform provides granular data and tools to support your research.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (29.65b TTM) > 0 and > 6% of Revenue (6% = 11.33b TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 1.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -793.5% (prev -1786 %; Δ 992.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 61.47b > Net Income 29.65b (YES >=105%, WARN >=100%)

Net Debt (461.26b) to EBITDA (34.66b) ratio: 13.31 <= 3.0 (WARN <= 3.5)

Current Ratio 0.41 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (7.63b) change vs 12m ago -3.48% (target <= -2.0% for YES)

Gross Margin 53.72% (prev 36.85%; Δ 16.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.61% (prev 2.93%; Δ 2.68pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.40 (EBITDA TTM 34.66b / Interest Expense TTM 81.58b) >= 6 (WARN >= 3)

Altman Z'' -2.48

(A) -0.44 = (Total Current Assets 1057.56b - Total Current Liabilities 2555.97b) / Total Assets 3403.22b

(B) 0.08 = Retained Earnings (Balance) 258.14b / Total Assets 3403.22b

(D) 0.09 = Book Value of Equity 278.16b / Total Liabilities 3099.06b

Total Rating: -2.48 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 65.14

1. Piotroski 3.0pt

2. FCF Yield 38.79%

3. FCF Margin 32.55%

4. Debt/Equity 2.33

5. Debt/Ebitda 13.31

6. ROIC - WACC (= -0.47)%

7. RoE 9.92%

8. Rev. Trend 80.27%

9. EPS Trend 12.27%

What is the price of BAC shares?

As of December 19, 2025, the stock is trading at USD 54.26 with a total of 87,451,804 shares traded.
Over the past week, the price has changed by -0.55%, over one month by +5.62%, over three months by +4.63% and over the past year by +27.62%.

Is BAC a buy, sell or hold?

Bank of America has received a consensus analysts rating of 4.48. Therefore, it is recommended to buy BAC.

Strong Buy: 15
Buy: 7
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the BAC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	59	8.7%
Analysts Target Price	59	8.7%
ValueRay Target Price	62.2	14.6%

BAC Fundamental Data Overview December 13, 2025

Market Cap USD = 408.42b (408.42b USD * 1.0 USD.USD)
P/E Trailing = 14.9027
P/E Forward = 12.6743
P/S = 4.026
P/B = 1.4476
P/EG = 1.0476
Beta = 1.304
Revenue TTM = 188.84b USD
EBIT TTM = 32.37b USD
EBITDA TTM = 34.66b USD
Long Term Debt = 311.48b USD (from longTermDebt, last quarter)
Short Term Debt = 396.29b USD (from shortTermDebt, last quarter)
Debt = 707.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 461.26b USD (from netDebt column, last quarter)
Enterprise Value = 158.49b USD (408.42b + Debt 707.77b - CCE 957.70b)
Interest Coverage Ratio = 0.40 (Ebit TTM 32.37b / Interest Expense TTM 81.58b)
FCF Yield = 38.79% (FCF TTM 61.47b / Enterprise Value 158.49b)
FCF Margin = 32.55% (FCF TTM 61.47b / Revenue TTM 188.84b)
Net Margin = 15.70% (Net Income TTM 29.65b / Revenue TTM 188.84b)
Gross Margin = 53.72% ((Revenue TTM 188.84b - Cost of Revenue TTM 87.40b) / Revenue TTM)
Gross Margin QoQ = 55.56% (prev 53.30%)
Tobins Q-Ratio = 0.05 (Enterprise Value 158.49b / Total Assets 3403.22b)
Interest Expense / Debt = 2.84% (Interest Expense 20.13b / Debt 707.77b)
Taxrate = 10.44% (987.0m / 9.46b)
NOPAT = 28.99b (EBIT 32.37b * (1 - 10.44%))
Current Ratio = 0.41 (Total Current Assets 1057.56b / Total Current Liabilities 2555.97b)
Debt / Equity = 2.33 (Debt 707.77b / totalStockholderEquity, last quarter 304.15b)
Debt / EBITDA = 13.31 (Net Debt 461.26b / EBITDA 34.66b)
Debt / FCF = 7.50 (Net Debt 461.26b / FCF TTM 61.47b)
Total Stockholder Equity = 298.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.87% (Net Income 29.65b / Total Assets 3403.22b)
RoE = 9.92% (Net Income TTM 29.65b / Total Stockholder Equity 298.72b)
RoCE = 5.30% (EBIT 32.37b / Capital Employed (Equity 298.72b + L.T.Debt 311.48b))
RoIC = 4.64% (NOPAT 28.99b / Invested Capital 625.26b)
WACC = 5.11% (E(408.42b)/V(1116.19b) * Re(9.54%) + D(707.77b)/V(1116.19b) * Rd(2.84%) * (1-Tc(0.10)))
Discount Rate = 9.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.74%
[DCF Debug] Terminal Value 64.00% ; FCFE base≈61.47b ; Y1≈40.36b ; Y5≈18.46b
Fair Price DCF = 39.44 (DCF Value 287.98b / Shares Outstanding 7.30b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 12.27 | EPS CAGR: 7.09% | SUE: 0.99 | # QB: 1
Revenue Correlation: 80.27 | Revenue CAGR: 22.47% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.00 | Chg30d=+0.004 | Revisions Net=+4 | Analysts=13
EPS next Year (2026-12-31): EPS=4.36 | Chg30d=+0.018 | Revisions Net=+6 | Growth EPS=+14.1% | Growth Revenue=+5.8%

Additional Sources for BAC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle