Overview Dividends

(BAC) Bank of America - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0605051046

Loans, Mortgages, Cards, Deposits, Investments

BAC EPS (Earnings per Share)

EPS Growth (3Y CAGR): 8.36%
EPS Trend (3Y Correlation): 18.8%

BAC Revenue

Revenue Growth (3Y CAGR): 29.99%
Revenue Trend (3Y Correlation): 82.6%

Risk via 10d forecast
Volatility	25.3%
Value at Risk 5%th	37.7%
Relative Tail Risk	-9.40%

Reward TTM
Sharpe Ratio	0.60
Alpha	4.31

Character TTM
Hurst Exponent	0.486
Beta	0.949
Beta Downside	1.383

Drawdowns 3y
Max DD	31.58%
Mean DD	10.06%
Median DD	7.90%

Description: BAC Bank of America September 24, 2025

Bank of America Corp. (NYSE:BAC) operates through four primary segments-Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets-delivering a broad suite of financial products to individuals, small- and mid-size businesses, institutional investors, large corporations, and governments worldwide.

The Consumer Banking unit provides deposit accounts (savings, money-market, CDs, IRAs, checking), credit and debit cards, mortgage and home-equity financing, as well as auto, RV, and personal loans. GWIM offers brokerage, wealth-management, trust, retirement, and specialty asset-management services. Global Banking focuses on commercial lending, treasury solutions, trade finance, debt/equity underwriting, advisory work, and research. Global Markets delivers market-making, clearing, custody, and a full range of derivative and risk-management products across interest-rate, equity, credit, currency, and commodity spaces.

Recent data (Q2 2024) show BAC’s net interest income rose 7% YoY to $15.2 bn, driven by a 3.1% net interest margin amid a 4.5% Fed Funds rate environment; total deposits grew 5% YoY to $2.3 tn, while the CET1 capital ratio held steady at 13.1%, reflecting solid credit quality. A key sector driver is the Fed’s monetary-policy stance: higher rates boost NII but can suppress loan demand and increase credit-risk pressure, especially in commercial real-estate exposure. For a deeper, data-driven view of BAC’s valuation and risk profile, you may find ValueRay’s analyst toolkit useful.

BAC Stock Overview

Market Cap in USD	388,493m
Sub-Industry	Diversified Banks
IPO / Inception	1978-01-13
Return 12m vs S&P 500	3.57%
Analyst Rating	4.48 of 5

BAC Dividends

Dividend Yield	2.00%
Yield on Cost 5y	4.34%
Yield CAGR 5y	8.56%
Payout Consistency	95.7%
Payout Ratio	29.4%

BAC Growth Ratios

CAGR 3y	15.63%
CAGR/Max DD Calmar Ratio	0.50
CAGR/Mean DD Pain Ratio	1.55
Current Volume	37715.7k
Average Volume	37548.6k

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 (34.07b) ratio: 13.54 <= 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 0.28 (EBITDA TTM 34.07b / Interest Expense TTM 81.58b) >= 6 (WARN >= 3)

Altman Z'' -2.50

(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

(D) 0.09 = Book Value of Equity 278.16b / Total Liabilities 3099.06b

Total Rating: -2.50 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 63.53

1. Piotroski 3.0pt = -2.0

2. FCF Yield 44.36% = 5.0

3. FCF Margin 32.55% = 7.50

4. Debt/Equity 2.33 = 0.27

5. Debt/Ebitda 13.54 = -2.50

6. ROIC - WACC (= -2.16)% = -2.71

7. RoE 9.92% = 0.83

8. Rev. Trend 82.64% = 6.20

9. EPS Trend 18.77% = 0.94

What is the price of BAC shares?

As of November 14, 2025, the stock is trading at USD 52.87 with a total of 37,715,708 shares traded.
Over the past week, the price has changed by -0.79%, over one month by +8.21%, over three months by +12.54% and over the past year by +17.97%.

Is Bank of America a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Bank of America is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 63.53 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BAC is around 53.66 USD . This means that BAC is currently overvalued and has a potential downside of 1.49%.

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	58.8	11.2%
Analysts Target Price	58.8	11.2%
ValueRay Target Price	58.2	10.1%

BAC Fundamental Data Overview November 09, 2025

Market Cap USD = 388.49b (388.49b USD * 1.0 USD.USD)
P/E Trailing = 14.5355
P/E Forward = 11.8483
P/S = 3.8296
P/B = 1.3542
P/EG = 1.2606
Beta = 1.304
Revenue TTM = 188.84b USD
EBIT TTM = 22.91b USD
EBITDA TTM = 34.07b USD
Long Term Debt = 283.28b USD (from longTermDebt, last fiscal year)
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 = 138.56b USD (388.49b + Debt 707.77b - CCE 957.70b)
Interest Coverage Ratio = 0.28 (Ebit TTM 22.91b / Interest Expense TTM 81.58b)
FCF Yield = 44.36% (FCF TTM 61.47b / Enterprise Value 138.56b)
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 138.56b / Total Assets 3403.22b)
Interest Expense / Debt = 2.84% (Interest Expense 20.13b / Debt 707.77b)
Taxrate = 10.44% (987.0m / 9.46b)
NOPAT = 20.52b (EBIT 22.91b * (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 = 13.54 (Net Debt 461.26b / EBITDA 34.07b)
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 = 3.94% (EBIT 22.91b / Capital Employed (Equity 298.72b + L.T.Debt 283.28b))
RoIC = 3.31% (NOPAT 20.52b / Invested Capital 619.06b)
WACC = 5.48% (E(388.49b)/V(1096.26b) * Re(10.82%) + D(707.77b)/V(1096.26b) * Rd(2.84%) * (1-Tc(0.10)))
Discount Rate = 10.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.74%
[DCF Debug] Terminal Value 59.06% ; FCFE base≈61.47b ; Y1≈40.36b ; Y5≈18.46b
Fair Price DCF = 33.72 (DCF Value 246.26b / Shares Outstanding 7.30b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 18.77 | EPS CAGR: 8.36% | SUE: 0.99 | # QB: 1
Revenue Correlation: 82.64 | Revenue CAGR: 29.99% | SUE: 0.66 | # QB: 0

Additional Sources for BAC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle