(BAC) Bank of America - Overview

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

Stock: Checking, Savings, Loans, Cards, Investment

Total Rating 38

Risk 31

Buy Signal 0.30

Banks - Diversified » Diversified Banks
Age: 48.1y

Market Cap: 401,199m
Avg Trading Vol: 1.87B USD

ATR: 1.98%
Peers RS (IBD): 16.67

EPS (Earnings per Share)

EPS CAGR: 5.56%
EPS Trend: 20.9%

Last SUE: 0.02
Qual. Beats: 0

Revenue

Rev. CAGR: 20.63%
Rev. Trend: 83.7%

Last SUE: 2.56
Qual. Beats: 1

Dividends

Dividend Yield	2.29%
Yield on Cost 5y	3.68%
Yield CAGR 5y	8.48%
Payout Consistency	95.8%
Payout Ratio	28.2%

Risk 5d forecast
Volatility	22.8%
Relative Tail Risk	-8.70%

Reward TTM
Sharpe Ratio	0.70
Alpha	7.43

Character TTM
Beta	0.974
Beta Downside	1.372

Drawdowns 3y
Max DD	27.77%
CAGR/Max DD	0.72

Description: BAC Bank of America January 28, 2026

Bank of America (BAC) operates through four core segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking unit delivers deposit products, credit cards, mortgages, and consumer loans; GWIM offers brokerage, wealth-management, and retirement services; Global Banking provides commercial lending, treasury solutions, and advisory services; and Global Markets handles market-making, securities clearing, and a broad suite of derivative and risk-management products.

In the most recent quarter (Q4 2025), BAC reported net income of $8.5 billion, translating to earnings per share of $1.14 and a return on equity of 12.5%. The bank’s loan portfolio grew 5% year-over-year, driven primarily by commercial and residential mortgage lending, while its Common Equity Tier 1 (CET1) capital ratio held steady at 13.2%, underscoring a solid capital position.

Key macro drivers for BAC include the Federal Reserve’s policy stance-higher interest rates have lifted net interest margin to 3.3% but also introduce credit-quality risk as borrowing costs rise. Additionally, the U.S. housing market’s modest recovery supports mortgage demand, while corporate borrowing trends influence the Global Banking segment’s loan growth.

For a deeper quantitative comparison of BAC’s valuation metrics, the ValueRay platform offers a concise, data-driven dashboard.

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 (Cap -4..+1) = AA

What is the price of BAC shares?

As of February 08, 2026, the stock is trading at USD 56.53 with a total of 42,465,467 shares traded.
Over the past week, the price has changed by +6.26%, over one month by -1.26%, over three months by +6.63% and over the past year by +21.15%.

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.

StrongBuy: 15
Buy: 7
Hold: 3
Sell: 0
StrongSell: 0

What are the forecasts/targets for the BAC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	62.2	10%
Analysts Target Price	62.2	10%
ValueRay Target Price	64.2	13.5%

BAC Fundamental Data Overview February 07, 2026

P/E Trailing = 14.5344
P/E Forward = 12.7226
P/S = 3.7348
P/B = 1.4407
P/EG = 1.0423
Revenue TTM = 188.75b USD
EBIT TTM = 25.26b USD
EBITDA TTM = 36.61b USD
Long Term Debt = 317.82b USD (from longTermDebt, last quarter)
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 = -196.63b USD (401.20b + Debt 365.90b - CCE 963.73b)
Interest Coverage Ratio = 0.32 (Ebit TTM 25.26b / Interest Expense TTM 78.47b)
EV/FCF = -3.20x (Enterprise Value -196.63b / FCF TTM 61.47b)
FCF Yield = -31.26% (FCF TTM 61.47b / Enterprise Value -196.63b)
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 -196.63b / 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 = 4.08% (EBIT 25.26b / Capital Employed (Equity 300.64b + L.T.Debt 317.82b))
RoIC = 3.17% (NOPAT 20.08b / Invested Capital 633.99b)
WACC = 6.89% (E(401.20b)/V(767.10b) * Re(9.50%) + D(365.90b)/V(767.10b) * Rd(5.06%) * (1-Tc(0.21)))
Discount Rate = 9.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF Debug] Terminal Value 75.60% ; FCFF base≈61.47b ; Y1≈40.35b ; Y5≈18.41b
Fair Price DCF = 43.89 (EV 450.62b - Net Debt 134.06b = Equity 316.57b / Shares 7.21b; r=6.89% [WACC]; 5y FCF grow -40.0% → 2.90% )
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=-0.005 | Revisions Net=-3 | Analysts=17
EPS current Year (2026-12-31): EPS=4.33 | Chg30d=-0.032 | Revisions Net=-7 | Growth EPS=+13.8% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=4.97 | Chg30d=-0.009 | Revisions Net=-5 | Growth EPS=+14.7% | Growth Revenue=+5.0%

Additional Sources for BAC Stock

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