(BAC) Bank of America - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0605051046
Checking, Savings, Cards, Loans, Investments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.29% |
| Yield on Cost 5y | 3.91% |
| Yield CAGR 5y | 8.48% |
| Payout Consistency | 95.8% |
| Payout Ratio | 23.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 25.5% |
| Value at Risk 5%th | 38.5% |
| Relative Tail Risk | -8.08% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.48 |
| Alpha | 0.95 |
| CAGR/Max DD | 0.55 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.570 |
| Beta | 0.965 |
| Beta Downside | 1.346 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.98% |
| Mean DD | 8.93% |
| Median DD | 6.13% |
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: 30.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.86 > 1.0 |
| NWC/Revenue: -790.7% < 20% (prev -1370 %; Δ 579.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 61.47b > Net Income 30.63b |
| Net Debt (134.06b) to EBITDA (36.61b): 3.66 < 3 |
| Current Ratio: 0.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.55b) vs 12m ago -3.78% < -2% |
| Gross Margin: 55.42% > 18% (prev 0.50%; Δ 5492 % > 0.5%) |
| Asset Turnover: 5.66% > 50% (prev 3.79%; Δ 1.87% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBITDA TTM 36.61b / Interest Expense TTM 78.47b) |
Altman Z'' -2.48
| A: -0.44 (Total Current Assets 1067.08b - Total Current Liabilities 2559.61b) / Total Assets 3410.39b |
| B: 0.08 (Retained Earnings 261.69b / Total Assets 3410.39b) |
| C: 0.01 (EBIT TTM 25.26b / Avg Total Assets 3335.96b) |
| D: 0.09 (Book Value of Equity 277.25b / Total Liabilities 3107.15b) |
| Altman-Z'' Score: -2.48= D |
Beneish M -3.07
| DSRI: 0.69 (Receivables 103.35b/97.92b, Revenue 188.75b/123.50b) |
| GMI: 0.90 (GM 55.42% / 49.97%) |
| AQI: 0.89 (AQ_t 0.68 / AQ_t-1 0.77) |
| SGI: 1.53 (Revenue 188.75b / 123.50b) |
| TATA: -0.01 (NI 30.63b - CFO 61.47b) / TA 3410.39b) |
| Beneish M-Score: -3.07 = AA |
ValueRay F-Score (Strict, 0-100) 53.52
| 1. Piotroski: 3.0pt |
| 2. FCF Yield: -28.75% |
| 3. FCF Margin: 32.57% |
| 4. Debt/Equity: 1.21 |
| 5. Debt/Ebitda: 3.66 |
| 6. ROIC - WACC: -3.64% |
| 7. RoE: 10.19% |
| 8. Revenue Trend: 83.72% |
| 9. EPS Trend: 20.88% |
What is the price of BAC shares?
As of January 24, 2026, the stock is trading at USD 51.72 with a total of 34,550,145 shares traded.
Over the past week, the price has changed by -2.36%, over one month by -7.59%, over three months by +0.44% and over the past year by +14.07%.
Over the past week, the price has changed by -2.36%, over one month by -7.59%, over three months by +0.44% and over the past year by +14.07%.
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 | 62.2 | 20.2% |
| Analysts Target Price | 62.2 | 20.2% |
| ValueRay Target Price | 57.4 | 10.9% |
BAC Fundamental Data Overview January 17, 2026
P/E Trailing = 13.8032
P/E Forward = 12.0337
P/S = 3.7857
P/B = 1.3652
P/EG = 0.9944
Revenue TTM = 188.75b USD
EBIT TTM = 25.26b USD
EBITDA TTM = 36.61b USD
Long Term Debt = 311.48b USD (from longTermDebt, two quarters ago)
Short Term Debt = 48.09b USD (from shortTermDebt, last quarter)
Debt = 365.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 134.06b USD (from netDebt column, last quarter)
Enterprise Value = -213.79b USD (384.04b + Debt 365.90b - CCE 963.73b)
Interest Coverage Ratio = 0.32 (Ebit TTM 25.26b / Interest Expense TTM 78.47b)
EV/FCF = -3.48x (Enterprise Value -213.79b / FCF TTM 61.47b)
FCF Yield = -28.75% (FCF TTM 61.47b / Enterprise Value -213.79b)
FCF Margin = 32.57% (FCF TTM 61.47b / Revenue TTM 188.75b)
Net Margin = 16.23% (Net Income TTM 30.63b / Revenue TTM 188.75b)
Gross Margin = 55.42% ((Revenue TTM 188.75b - Cost of Revenue TTM 84.14b) / Revenue TTM)
Gross Margin QoQ = 57.72% (prev 55.56%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -213.79b / Total Assets 3410.39b)
Interest Expense / Debt = 5.06% (Interest Expense 18.51b / Debt 365.90b)
Taxrate = 20.53% (1.98b / 9.62b)
NOPAT = 20.08b (EBIT 25.26b * (1 - 20.53%))
Current Ratio = 0.42 (Total Current Assets 1067.08b / Total Current Liabilities 2559.61b)
Debt / Equity = 1.21 (Debt 365.90b / totalStockholderEquity, last quarter 303.24b)
Debt / EBITDA = 3.66 (Net Debt 134.06b / EBITDA 36.61b)
Debt / FCF = 2.18 (Net Debt 134.06b / FCF TTM 61.47b)
Total Stockholder Equity = 300.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 30.63b / Total Assets 3410.39b)
RoE = 10.19% (Net Income TTM 30.63b / Total Stockholder Equity 300.64b)
RoCE = 4.13% (EBIT 25.26b / Capital Employed (Equity 300.64b + L.T.Debt 311.48b))
RoIC = 3.17% (NOPAT 20.08b / Invested Capital 633.99b)
WACC = 6.81% (E(384.04b)/V(749.94b) * Re(9.47%) + D(365.90b)/V(749.94b) * Rd(5.06%) * (1-Tc(0.21)))
Discount Rate = 9.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF Debug] Terminal Value 75.98% ; FCFF base≈61.47b ; Y1≈40.35b ; Y5≈18.41b
Fair Price DCF = 45.00 (EV 458.59b - Net Debt 134.06b = Equity 324.53b / Shares 7.21b; r=6.81% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 20.88 | EPS CAGR: 5.56% | SUE: 0.02 | # QB: 0
Revenue Correlation: 83.72 | Revenue CAGR: 20.63% | SUE: 2.56 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.99 | Chg30d=-0.009 | Revisions Net=-2 | Analysts=16
EPS current Year (2026-12-31): EPS=4.31 | Chg30d=-0.048 | Revisions Net=+0 | Growth EPS=+13.2% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=4.94 | Chg30d=-0.054 | Revisions Net=+4 | Growth EPS=+14.4% | Growth Revenue=+3.8%
P/E Forward = 12.0337
P/S = 3.7857
P/B = 1.3652
P/EG = 0.9944
Revenue TTM = 188.75b USD
EBIT TTM = 25.26b USD
EBITDA TTM = 36.61b USD
Long Term Debt = 311.48b USD (from longTermDebt, two quarters ago)
Short Term Debt = 48.09b USD (from shortTermDebt, last quarter)
Debt = 365.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 134.06b USD (from netDebt column, last quarter)
Enterprise Value = -213.79b USD (384.04b + Debt 365.90b - CCE 963.73b)
Interest Coverage Ratio = 0.32 (Ebit TTM 25.26b / Interest Expense TTM 78.47b)
EV/FCF = -3.48x (Enterprise Value -213.79b / FCF TTM 61.47b)
FCF Yield = -28.75% (FCF TTM 61.47b / Enterprise Value -213.79b)
FCF Margin = 32.57% (FCF TTM 61.47b / Revenue TTM 188.75b)
Net Margin = 16.23% (Net Income TTM 30.63b / Revenue TTM 188.75b)
Gross Margin = 55.42% ((Revenue TTM 188.75b - Cost of Revenue TTM 84.14b) / Revenue TTM)
Gross Margin QoQ = 57.72% (prev 55.56%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -213.79b / Total Assets 3410.39b)
Interest Expense / Debt = 5.06% (Interest Expense 18.51b / Debt 365.90b)
Taxrate = 20.53% (1.98b / 9.62b)
NOPAT = 20.08b (EBIT 25.26b * (1 - 20.53%))
Current Ratio = 0.42 (Total Current Assets 1067.08b / Total Current Liabilities 2559.61b)
Debt / Equity = 1.21 (Debt 365.90b / totalStockholderEquity, last quarter 303.24b)
Debt / EBITDA = 3.66 (Net Debt 134.06b / EBITDA 36.61b)
Debt / FCF = 2.18 (Net Debt 134.06b / FCF TTM 61.47b)
Total Stockholder Equity = 300.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 30.63b / Total Assets 3410.39b)
RoE = 10.19% (Net Income TTM 30.63b / Total Stockholder Equity 300.64b)
RoCE = 4.13% (EBIT 25.26b / Capital Employed (Equity 300.64b + L.T.Debt 311.48b))
RoIC = 3.17% (NOPAT 20.08b / Invested Capital 633.99b)
WACC = 6.81% (E(384.04b)/V(749.94b) * Re(9.47%) + D(365.90b)/V(749.94b) * Rd(5.06%) * (1-Tc(0.21)))
Discount Rate = 9.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF Debug] Terminal Value 75.98% ; FCFF base≈61.47b ; Y1≈40.35b ; Y5≈18.41b
Fair Price DCF = 45.00 (EV 458.59b - Net Debt 134.06b = Equity 324.53b / Shares 7.21b; r=6.81% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 20.88 | EPS CAGR: 5.56% | SUE: 0.02 | # QB: 0
Revenue Correlation: 83.72 | Revenue CAGR: 20.63% | SUE: 2.56 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.99 | Chg30d=-0.009 | Revisions Net=-2 | Analysts=16
EPS current Year (2026-12-31): EPS=4.31 | Chg30d=-0.048 | Revisions Net=+0 | Growth EPS=+13.2% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=4.94 | Chg30d=-0.054 | Revisions Net=+4 | Growth EPS=+14.4% | Growth Revenue=+3.8%
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