(BAC) Bank of America - Ratings and Ratios
Loans, CreditCards, SavingsAccounts, InvestmentProducts, BankingServices
BAC EPS (Earnings per Share)
BAC Revenue
Description: BAC Bank of America
Bank of America Corporation is a global financial institution offering a diverse range of financial products and services through its four business segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The companys broad customer base includes individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide.
From a business perspective, Bank of Americas segments provide a comprehensive suite of financial solutions. Consumer Banking offers traditional banking products, credit cards, and lending services. GWIM provides wealth management, investment, and retirement products. Global Banking delivers corporate lending, treasury management, and investment banking services. Global Markets offers market-making, securities, and risk management products. This diversified business model allows the company to generate revenue through various channels, including net interest income, fees, and commissions.
To evaluate Bank of Americas performance, key performance indicators (KPIs) such as Return on Equity (RoE) of 9.43%, and a Price-to-Earnings (P/E) ratio of 14.02 can be considered. Additionally, the companys dividend yield, efficiency ratio, and capital adequacy ratio are important metrics. As a diversified bank, Bank of Americas revenue diversification, asset quality, and loan growth are also crucial in assessing its financial health. The companys ability to manage its capital and maintain a strong balance sheet is reflected in its Common Equity Tier 1 (CET1) ratio, which is a key regulatory metric.
From a valuation perspective, Bank of Americas market capitalization stands at approximately $353.77 billion. The companys stock price is influenced by various factors, including its financial performance, industry trends, and macroeconomic conditions. As a major player in the global banking industry, Bank of Americas stock is widely followed by investors and analysts, providing a liquid market for its shares.
BAC Stock Overview
| Market Cap in USD | 357,459m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1978-01-13 |
BAC Stock Ratings
| Growth Rating | 59.0% |
| Fundamental | 45.4% |
| Dividend Rating | 70.7% |
| Return 12m vs S&P 500 | 10.0% |
| Analyst Rating | 4.48 of 5 |
BAC Dividends
| Dividend Yield 12m | 2.79% |
| Yield on Cost 5y | 5.80% |
| Annual Growth 5y | 6.79% |
| Payout Consistency | 96.8% |
| Payout Ratio | 31.0% |
BAC Growth Ratios
| Growth Correlation 3m | 66.9% |
| Growth Correlation 12m | 50.5% |
| Growth Correlation 5y | 45.2% |
| CAGR 5y | 17.37% |
| CAGR/Max DD 5y | 0.37 |
| Sharpe Ratio 12m | 0.37 |
| Alpha | 10.43 |
| Beta | 1.232 |
| Volatility | 22.62% |
| Current Volume | 32948.9k |
| Average Volume 20d | 34715.8k |
| Stop Loss | 48.9 (-3.1%) |
| Signal | 1.42 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (28.07b TTM) > 0 and > 6% of Revenue (6% = 9.96b TTM) |
| FCFTA -0.00 (>2.0%) and ΔFCFTA -1.70pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 406.0% (prev -1752 %; Δ 2158 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -24.86b <= Net Income 28.07b (YES >=105%, WARN >=100%) |
| Net Debt (95.30b) to EBITDA (35.75b) ratio: 2.67 <= 3.0 (WARN <= 3.5) |
| Current Ratio 15.07 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (7.65b) change vs 12m ago -3.89% (target <= -2.0% for YES) |
| Gross Margin 52.65% (prev 37.13%; Δ 15.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.95% (prev 2.98%; Δ 1.97pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.39 (EBITDA TTM 35.75b / Interest Expense TTM 84.97b) >= 6 (WARN >= 3) |
Altman Z'' 1.68
| (A) 0.20 = (Total Current Assets 721.74b - Total Current Liabilities 47.89b) / Total Assets 3441.14b |
| (B) 0.07 = Retained Earnings (Balance) 252.18b / Total Assets 3441.14b |
| (C) 0.01 = EBIT TTM 33.49b / Avg Total Assets 3349.57b |
| (D) 0.09 = Book Value of Equity 276.10b / Total Liabilities 3141.54b |
| Total Rating: 1.68 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 45.44
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -9.68% = -4.84 |
| 3. FCF Margin -5.31% = -1.99 |
| 4. Debt/Equity 1.21 = 1.82 |
| 5. Debt/Ebitda 10.11 = -2.50 |
| 6. ROIC - WACC -2.81% = -3.51 |
| 7. RoE 9.46% = 0.79 |
| 8. Rev. Trend 76.92% = 3.85 |
| 9. Rev. CAGR 28.13% = 2.50 |
| 10. EPS Trend 2.97% = 0.07 |
| 11. EPS CAGR 2.55% = 0.25 |
What is the price of BAC shares?
Over the past week, the price has changed by +4.62%, over one month by +4.69%, over three months by +15.27% and over the past year by +29.48%.
Is Bank of America a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BAC is around 51.03 USD . This means that BAC is currently overvalued and has a potential downside of 1.07%.
Is BAC a buy, sell or hold?
- 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 | 53.1 | 5.1% |
| Analysts Target Price | 49.5 | -1.9% |
| ValueRay Target Price | 56.6 | 12% |
Last update: 2025-08-23 05:01
BAC Fundamental Data Overview
CCE Cash And Equivalents = 627.78b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.1525
P/E Forward = 13.21
P/S = 3.6307
P/B = 1.2971
P/EG = 1.4054
Beta = 1.315
Revenue TTM = 165.97b USD
EBIT TTM = 33.49b USD
EBITDA TTM = 35.75b USD
Long Term Debt = 313.42b USD (from longTermDebt, last quarter)
Short Term Debt = 47.89b USD (from shortTermDebt, last quarter)
Debt = 361.31b USD (Calculated: Short Term 47.89b + Long Term 313.42b)
Net Debt = 95.30b USD (from netDebt column, last quarter)
Enterprise Value = 90.99b USD (357.46b + Debt 361.31b - CCE 627.78b)
Interest Coverage Ratio = 0.39 (Ebit TTM 33.49b / Interest Expense TTM 84.97b)
FCF Yield = -9.68% (FCF TTM -8.80b / Enterprise Value 90.99b)
FCF Margin = -5.31% (FCF TTM -8.80b / Revenue TTM 165.97b)
Net Margin = 16.92% (Net Income TTM 28.07b / Revenue TTM 165.97b)
Gross Margin = 52.65% ((Revenue TTM 165.97b - Cost of Revenue TTM 78.59b) / Revenue TTM)
Tobins Q-Ratio = 0.33 (Enterprise Value 90.99b / Book Value Of Equity 276.10b)
Interest Expense / Debt = 5.59% (Interest Expense 20.20b / Debt 361.31b)
Taxrate = 7.25% (from yearly Income Tax Expense: 2.12b / 29.25b)
NOPAT = 31.06b (EBIT 33.49b * (1 - 7.25%))
Current Ratio = 15.07 (Total Current Assets 721.74b / Total Current Liabilities 47.89b)
Debt / Equity = 1.21 (Debt 361.31b / last Quarter total Stockholder Equity 299.60b)
Debt / EBITDA = 10.11 (Net Debt 95.30b / EBITDA 35.75b)
Debt / FCF = -41.03 (Debt 361.31b / FCF TTM -8.80b)
Total Stockholder Equity = 296.81b (last 4 quarters mean)
RoA = 0.82% (Net Income 28.07b, Total Assets 3441.14b )
RoE = 9.46% (Net Income TTM 28.07b / Total Stockholder Equity 296.81b)
RoCE = 5.49% (Ebit 33.49b / (Equity 296.81b + L.T.Debt 313.42b))
RoIC = 5.04% (NOPAT 31.06b / Invested Capital 616.13b)
WACC = 7.85% (E(357.46b)/V(718.77b) * Re(10.55%)) + (D(361.31b)/V(718.77b) * Rd(5.59%) * (1-Tc(0.07)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.03%
Discount Rate = 10.55% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -8.80b)
Revenue Correlation: 76.92 | Revenue CAGR: 28.13%
Rev Growth-of-Growth: 44.91
EPS Correlation: 2.97 | EPS CAGR: 2.55%
EPS Growth-of-Growth: 33.25
Additional Sources for BAC Stock
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