(BAC) Bank of America - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 365.403m USD | Total Return: 17.8% in 12m
Avg Turnover: 1.68B
EPS Trend: 52.0%
Qual. Beats: 1
Rev. Trend: 91.4%
Qual. Beats: 0
Warnings
Choppy Below Avwap Earnings
Tailwinds
Confidence
Bank of America Corporation (BAC) is a global financial institution operating through four primary segments: Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets. The firm provides a comprehensive suite of services including retail banking, commercial lending, investment management, and capital markets operations to individuals, corporations, and government entities.
As a diversified bank, the company utilizes a universal banking model that balances high-volume consumer deposits with fee-based institutional advisory and trading services. This structure allows the institution to manage interest rate sensitivity by generating revenue from both net interest income and non-interest sources such as asset management and underwriting fees. In the current regulatory environment, diversified banks are subject to stringent capital requirements and annual stress testing to ensure systemic stability.
Investors can further examine these fundamental metrics and historical valuation trends on ValueRay. Founded in 1784 and headquartered in Charlotte, North Carolina, Bank of America remains a central pillar of the global financial infrastructure.
- Net interest income fluctuates based on Federal Reserve benchmark rate adjustments
- Consumer credit health and delinquency rates impact loan loss provision levels
- Wealth management asset growth drives recurring fee revenue in GWIM segment
- Investment banking fee recovery depends on global corporate deal-making volume
- Operating leverage improves through digital transformation and physical branch network optimization
| 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 0.52%; Δ 6.27k% > 0.5%) |
| Asset Turnover: 5.11% > 50% (prev 4.32%; Δ 0.79% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBITDA TTM 42.3b / 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 276b / Total Liabilities 3196b) |
| Altman-Z'' = -2.08 = D |
| DSRI: 0.83 (Receivables 96.1b/96.0b, Revenue 175b/145b) |
| GMI: 0.82 (GM 63.18% / 52.10%) |
| 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 = -3.35 (Cap -4..+1) = AA |
As of May 29, 2026, the stock is trading at USD 50.77 with a total of 41,579,286 shares traded.
Over the past week, the price has changed by -0.90%,
over one month by -3.59%,
over three months by +2.46% and
over the past year by +17.82%.
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 | 24% |
P/E Trailing = 12.7767
P/E Forward = 11.534
P/S = 3.3343
P/B = 1.3188
P/EG = 0.9157
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 = 499b USD (365b + Debt 384b - CCE 250b)
Interest Coverage Ratio = 0.52 (Ebit TTM 40.0b / Interest Expense TTM 76.5b)
EV/FCF = 8.82x (Enterprise Value 499b / FCF TTM 56.6b)
FCF Yield = 11.33% (FCF TTM 56.6b / Enterprise Value 499b)
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 = 0.14 (Enterprise Value 499b / Total Assets 3496b)
Interest Expense / Debt = 19.93% (Interest Expense 76.5b / Debt 384b)
Taxrate = 17.49% (1.82b / 10.4b)
NOPAT = 33.0b (EBIT 40.0b * (1 - 17.49%))
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 = 4.82% (NOPAT 33.0b / Invested Capital 684b)
WACC = 13.02% (E(365b)/V(749b) * Re(9.43%) + D(384b)/V(749b) * Rd(19.93%) * (1-Tc(0.17)))
Discount Rate = 9.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -3.64%
[DCF] Terminal Value 64.38% ; FCFF base≈35.8b ; Y1≈41.0b ; Y5≈60.3b
[DCF] Fair Price = 50.89 (EV 495b - Net Debt 134b = Equity 361b / Shares 7.10b; r=13.02% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 52.03 | EPS CAGR: 7.49% | SUE: 2.32 | # QB: 1
Revenue Correlation: 91.35 | Revenue CAGR: 34.43% | SUE: 0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.09 | Chg30d=+0.84% | Revisions=+41% | Analysts=15
EPS next Quarter (2026-09-30): EPS=1.14 | Chg30d=+0.40% | Revisions=+29% | Analysts=15
EPS current Year (2026-12-31): EPS=4.47 | Chg30d=+2.63% | Revisions=+82% | GrowthEPS=+17.4% | GrowthRev=+7.1%
EPS next Year (2027-12-31): EPS=5.04 | Chg30d=+1.09% | Revisions=+52% | GrowthEPS=+12.6% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +82%