(BAC) Bank of America - NYSE
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 398.828m USD | Total Return: 26.9% in 12m
Avg Turnover: 2.14B
EPS Trend: 52.0%
Qual. Beats: 1
Rev. Trend: 91.4%
Qual. Beats: 0
Warnings
Fakeout Choppy
Tailwinds
Supp Ema8, Confidence
Bank of America Corporation (NYSE: BAC) is a U.S.-headquartered, mega-cap diversified bank operating through four main segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. Its services span retail deposits, mortgages, credit cards, wealth management, commercial lending, investment banking, and trading and market-making activities, serving consumers, small and middle-market businesses, large corporations, institutional investors, and governments. The company is headquartered in Charlotte, North Carolina, and traces its corporate lineage to 1784, making it one of the oldest financial institutions in the United States.
Within the Financials sector, Bank of America is classified as a Diversified Bank under the Global Industry Classification Standard (GICS). It is generally counted among the Big Four U.S. banks alongside JPMorgan Chase, Citigroup, and Wells Fargo, a group that collectively holds the largest share of domestic banking assets. Its U.S. deposit-taking activities are backed by FDIC insurance, and the firm operates a universal banking model that combines consumer banking, capital markets, and wealth management under a single corporate structure.
- NIM expands as deposit costs decline and asset yields hold
- Credit card and CRE losses normalize from pandemic peaks
- Buybacks accelerate after Fed stress test capital buffer relief
| Net Income: 31.7b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.48 > 1.0 |
| NWC/Revenue: -760.9% < 20% (prev -1.22k%; Δ 455.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 56.6b > Net Income 31.7b |
| Net Debt (134b) to EBITDA (42.3b): 3.16 < 3 |
| Current Ratio: 0.54 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.42b) vs 12m ago -4.55% < -2% |
| Gross Margin: 63.18% > 18% (prev 52.10%; Δ 11.08% > 0.5%) |
| Asset Turnover: 5.11% > 50% (prev 4.32%; Δ 0.79% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBIT TTM 40.0b / Interest Expense TTM 76.5b) |
| A: -0.38 (Total Current Assets 1539b - Total Current Liabilities 2870b) / Total Assets 3496b |
| B: 0.08 (Retained Earnings 268b / Total Assets 3496b) |
| C: 0.01 (EBIT TTM 40.0b / Avg Total Assets 3423b) |
| D: 0.09 (Book Value of Equity 301b / Total Liabilities 3196b) |
| Altman-Z'' = -2.07 = D |
| DSRI: 0.83 (Receivables 96.1b/96.0b, Revenue 175b/145b) |
| GMI: 0.82 (GM 52.10% / 63.18%) |
| AQI: 0.72 (AQ_t 0.56 / AQ_t-1 0.77) |
| SGI: 1.21 (Revenue 175b / 145b) |
| TATA: -0.01 (NI 31.7b - CFO 56.6b) / TA 3496b) |
| Beneish M = -3.34 (Cap -4..+1) = AA |
As of June 26, 2026, the stock is trading at USD 58.19 with a total of 26,909,358 shares traded. Over the past week, the price has changed by +2.94%, over one month by +12.05%, over three months by +19.98% and over the past year by +26.91%.
Current recommended Stop Loss: 56.60 (which is 2.7% or 1.4 ATR below the current price).
Bank of America has received a consensus analysts rating of 4.48. Therefore, it is recommended to buy BAC.
- StrongBuy: 15
- Buy: 7
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 63.2 | 8.5% |
P/E Trailing = 13.9454
P/E Forward = 12.6582
P/S = 3.6393
P/B = 1.4468
P/EG = 1.0046
Revenue TTM = 175b USD
EBIT TTM = 40.0b USD
EBITDA TTM = 42.3b USD
Long Term Debt = 301b USD (from longTermDebt, last quarter)
Short Term Debt = 57.6b USD (from shortTermDebt, last quarter)
Debt = 384b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 134b USD (calculated: Debt 384b - CCE 250b)
Enterprise Value = 533b USD (399b + Debt 384b - CCE 250b)
Interest Coverage Ratio = 0.52 (Ebit TTM 40.0b / Interest Expense TTM 76.5b)
EV/FCF = 9.41x (Enterprise Value 533b / FCF TTM 56.6b)
FCF Yield = 10.62% (FCF TTM 56.6b / Enterprise Value 533b)
FCF Margin = 32.35% (FCF TTM 56.6b / Revenue TTM 175b)
Net Margin = 18.13% (Net Income TTM 31.7b / Revenue TTM 175b)
Gross Margin = 63.18% ((Revenue TTM 175b - Cost of Revenue TTM 64.4b) / Revenue TTM)
Gross Margin QoQ = none% (prev 60.12%)
Tobins Q-Ratio = 0.15 (Enterprise Value 533b / Total Assets 3496b)
Interest Expense / Debt = 19.93% (Interest Expense 76.5b / Debt 384b)
Taxrate = 20.72% (8.29b / 40.0b)
NOPAT = 31.7b (EBIT 40.0b * (1 - 20.72%))
Current Ratio = 0.54 (Total Current Assets 1539b / Total Current Liabilities 2870b)
Debt / Equity = 1.28 (Debt 384b / totalStockholderEquity, last quarter 301b)
Debt / EBITDA = 3.16 (Net Debt 134b / EBITDA 42.3b)
Debt / FCF = 2.36 (Net Debt 134b / FCF TTM 56.6b)
Total Stockholder Equity = 302b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 31.7b / Total Assets 3496b)
RoE = 10.50% (Net Income TTM 31.7b / Total Stockholder Equity 302b)
RoCE = 6.63% (EBIT 40.0b / Capital Employed (Equity 302b + L.T.Debt 301b))
RoIC = 4.69% (NOPAT 31.7b / Invested Capital 676b)
WACC = 12.38% (E(399b)/V(782b) * Re(9.08%) + D(384b)/V(782b) * Rd(19.93%) * (1-Tc(0.21)))
Discount Rate = 9.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -3.64%
[DCF] Terminal Value 66.09% ; FCFF base≈35.8b ; Y1≈41.0b ; Y5≈60.3b
[DCF] Fair Price = 55.66 (EV 529b - Net Debt 134b = Equity 395b / Shares 7.10b; r=12.38% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 52.03 | EPS CAGR: 7.49% | SUE: 2.98 | # QB: 1
Revenue Correlation: 91.35 | Revenue CAGR: 34.43% | SUE: 0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.10 | Chg30d=+0.30% | Revisions=+50% | Analysts=14
EPS next Quarter (2026-09-30): EPS=1.13 | Chg30d=-0.16% | Revisions=+29% | Analysts=14
EPS current Year (2026-12-31): EPS=4.47 | Chg30d=+0.00% | Revisions=+82% | GrowthEPS=+17.4% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=5.05 | Chg30d=+0.26% | Revisions=+52% | GrowthEPS=+12.9% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +82%