(BAC) Bank of America - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0605051046
Checking, Savings, Cards, Loans, Investments
Dividends
| Dividend Yield | 2.48% |
| Yield on Cost 5y | 5.17% |
| Yield CAGR 5y | 8.56% |
| Payout Consistency | 92.5% |
| Payout Ratio | 29.4% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.6% |
| Value at Risk 5%th | 35.4% |
| Relative Tail Risk | -8.54% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.59 |
| Alpha | 2.01 |
| CAGR/Max DD | 0.71 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.549 |
| Beta | 0.966 |
| Beta Downside | 1.394 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.97% |
| Mean DD | 8.87% |
| 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 |
| (C) 0.01 = EBIT TTM 32.37b / Avg Total Assets 3363.75b |
| (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) 65.18
| 1. Piotroski 3.0pt |
| 2. FCF Yield 41.69% |
| 3. FCF Margin 32.55% |
| 4. Debt/Equity 2.33 |
| 5. Debt/Ebitda 13.31 |
| 6. ROIC - WACC (= -0.44)% |
| 7. RoE 9.92% |
| 8. Rev. Trend 80.18% |
| 9. EPS Trend 12.27% |
What is the price of BAC shares?
As of December 04, 2025, the stock is trading at USD 54.09 with a total of 37,129,796 shares traded.
Over the past week, the price has changed by +2.08%, over one month by +0.99%, over three months by +8.65% and over the past year by +18.25%.
Over the past week, the price has changed by +2.08%, over one month by +0.99%, over three months by +8.65% and over the past year by +18.25%.
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 | 58.9 | 8.9% |
| Analysts Target Price | 58.9 | 8.9% |
| ValueRay Target Price | 61.2 | 13.1% |
BAC Fundamental Data Overview November 29, 2025
Market Cap USD = 397.38b (397.38b USD * 1.0 USD.USD)
P/E Trailing = 14.6585
P/E Forward = 12.285
P/S = 3.9172
P/B = 1.3911
P/EG = 1.0149
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 = 147.45b USD (397.38b + Debt 707.77b - CCE 957.70b)
Interest Coverage Ratio = 0.40 (Ebit TTM 32.37b / Interest Expense TTM 81.58b)
FCF Yield = 41.69% (FCF TTM 61.47b / Enterprise Value 147.45b)
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 = 0.04 (Enterprise Value 147.45b / 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 = 5.08% (E(397.38b)/V(1105.15b) * Re(9.58%) + D(707.77b)/V(1105.15b) * Rd(2.84%) * (1-Tc(0.10)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.74%
[DCF Debug] Terminal Value 63.84% ; FCFE base≈61.47b ; Y1≈40.36b ; Y5≈18.46b
Fair Price DCF = 39.22 (DCF Value 286.43b / 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: 80.18 | Revenue CAGR: 22.47% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.00 | Chg30d=+0.006 | Revisions Net=+4 | Analysts=13
EPS next Year (2026-12-31): EPS=4.35 | Chg30d=+0.026 | Revisions Net=+6 | Growth EPS=+13.5% | Growth Revenue=+5.5%
P/E Trailing = 14.6585
P/E Forward = 12.285
P/S = 3.9172
P/B = 1.3911
P/EG = 1.0149
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 = 147.45b USD (397.38b + Debt 707.77b - CCE 957.70b)
Interest Coverage Ratio = 0.40 (Ebit TTM 32.37b / Interest Expense TTM 81.58b)
FCF Yield = 41.69% (FCF TTM 61.47b / Enterprise Value 147.45b)
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 = 0.04 (Enterprise Value 147.45b / 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 = 5.08% (E(397.38b)/V(1105.15b) * Re(9.58%) + D(707.77b)/V(1105.15b) * Rd(2.84%) * (1-Tc(0.10)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.74%
[DCF Debug] Terminal Value 63.84% ; FCFE base≈61.47b ; Y1≈40.36b ; Y5≈18.46b
Fair Price DCF = 39.22 (DCF Value 286.43b / 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: 80.18 | Revenue CAGR: 22.47% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.00 | Chg30d=+0.006 | Revisions Net=+4 | Analysts=13
EPS next Year (2026-12-31): EPS=4.35 | Chg30d=+0.026 | Revisions Net=+6 | Growth EPS=+13.5% | Growth Revenue=+5.5%
Additional Sources for BAC Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle