(BAC) Bank of America - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 354.385m USD | Total Return: 41.9% in 12m

Banking, Loans, Investments, Trading, Wealth Management
Total Rating 32
Safety 34
Buy Signal 0.61
Banks - Diversified
Industry Rotation: +7.3
Market Cap: 354B
Avg Turnover: 1.96B USD
ATR: 2.62%
Peers RS (IBD): 13.9
Risk 5d forecast
Volatility24.0%
Rel. Tail Risk-8.11%
Reward TTM
Sharpe Ratio0.68
Alpha2.80
Character TTM
Beta1.046
Beta Downside1.311
Drawdowns 3y
Max DD27.51%
CAGR/Max DD0.89
EPS (Earnings per Share) EPS (Earnings per Share) of BAC over the last years for every Quarter: "2021-03": 0.86, "2021-06": 0.8, "2021-09": 0.85, "2021-12": 0.82, "2022-03": 0.8, "2022-06": 0.78, "2022-09": 0.81, "2022-12": 0.85, "2023-03": 0.94, "2023-06": 0.88, "2023-09": 0.9, "2023-12": 0.32, "2024-03": 0.77, "2024-06": 0.83, "2024-09": 0.81, "2024-12": 0.82, "2025-03": 0.9, "2025-06": 0.89, "2025-09": 1.06, "2025-12": 0.98,
EPS CAGR: 5.56%
EPS Trend: 20.9%
Last SUE: 0.02
Qual. Beats: 0
Revenue Revenue of BAC over the last years for every Quarter: 2021-03: 24681, 2021-06: 23087, 2021-09: 23390, 2021-12: 22549, 2022-03: 23198, 2022-06: 22165, 2022-09: 23604, 2022-12: 23440, 2023-03: 25327, 2023-06: 25197, 2023-09: 25167, 2023-12: 20855, 2024-03: 25818, 2024-06: 25377, 2024-09: 25345, 2024-12: 46965, 2025-03: 46989, 2025-06: 46666, 2025-09: 48221, 2025-12: 49691,
Rev. CAGR: 22.52%
Rev. Trend: 84.1%
Last SUE: 2.65
Qual. Beats: 1
Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: BAC Bank of America

Bank of America Corporation (BAC) is a diversified financial institution serving a global client base. Its operations span consumer banking, wealth management, global banking, and global markets. Diversified banks typically generate revenue from interest income on loans and non-interest income from fees and commissions.

The Consumer Banking segment provides traditional banking services, including deposit accounts, credit products, and mortgages. The Global Wealth & Investment Management (GWIM) segment focuses on investment management, brokerage, and trust services for high-net-worth individuals and institutions. Wealth management is a growing sector, driven by increasing global wealth.

Global Banking offers commercial lending, treasury solutions, and advisory services, including debt and equity underwriting. The Global Markets segment provides trading, financing, and risk management products. These segments allow BAC to cater to a broad spectrum of financial needs, from individual consumers to large corporations.

To deepen your understanding of BACs performance across these segments, consider exploring detailed financial analytics on ValueRay.

Headlines to Watch Out For
  • Net interest income growth driven by Federal Reserve rate changes
  • Loan growth in consumer and commercial segments boosts revenue
  • Investment banking fees impacted by M&A and IPO activity
  • Regulatory capital requirements influence dividend and buyback capacity
  • Global market volatility affects trading revenue and risk management
Piotroski VR‑10 (Strict) 3.5
Net Income: 30.51b TTM > 0 and > 6% of Revenue
FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.64 > 1.0
NWC/Revenue: -779.1% < 20% (prev -1.37k%; Δ 591.1% < -1%)
CFO/TA 0.00 > 3% & CFO 12.61b > Net Income 30.51b
Net Debt (134.06b) to EBITDA (40.02b): 3.35 < 3
Current Ratio: 0.42 > 1.5 & < 3
Outstanding Shares: last quarter (7.55b) vs 12m ago -3.78% < -2%
Gross Margin: 56.08% > 18% (prev 0.50%; Δ 5.56k% > 0.5%)
Asset Turnover: 5.74% > 50% (prev 3.79%; Δ 1.96% > 0%)
Interest Coverage Ratio: 0.48 > 6 (EBITDA TTM 40.02b / Interest Expense TTM 78.47b)
Altman Z'' -2.45
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 37.70b / Avg Total Assets 3335.96b)
D: 0.09 (Book Value of Equity 277.25b / Total Liabilities 3107.15b)
Altman-Z'' Score: -2.45 = D
Beneish M -3.05
DSRI: 0.68 (Receivables 103.35b/97.92b, Revenue 191.57b/123.50b)
GMI: 0.89 (GM 56.08% / 49.97%)
AQI: 0.89 (AQ_t 0.68 / AQ_t-1 0.77)
SGI: 1.55 (Revenue 191.57b / 123.50b)
TATA: 0.01 (NI 30.51b - CFO 12.61b) / TA 3410.39b)
Beneish M-Score: -3.05 (Cap -4..+1) = AA
What is the price of BAC shares? As of April 07, 2026, the stock is trading at USD 49.38 with a total of 27,547,217 shares traded.
Over the past week, the price has changed by +4.55%, over one month by -0.30%, over three months by -12.71% and over the past year by +41.91%.
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?
Analysts Target Price 61.1 23.7%
Bank of America (BAC) - Fundamental Data Overview as of 04 April 2026
P/E Trailing = 12.9606
P/E Forward = 11.2994
P/S = 3.299
P/B = 1.2699
P/EG = 0.9263
Revenue TTM = 191.57b USD
EBIT TTM = 37.70b USD
EBITDA TTM = 40.02b 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 = 354.38b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.48 (Ebit TTM 37.70b / Interest Expense TTM 78.47b)
EV/FCF = 28.10x (Enterprise Value 354.38b / FCF TTM 12.61b)
FCF Yield = 3.56% (FCF TTM 12.61b / Enterprise Value 354.38b)
FCF Margin = 6.58% (FCF TTM 12.61b / Revenue TTM 191.57b)
Net Margin = 15.93% (Net Income TTM 30.51b / Revenue TTM 191.57b)
Gross Margin = 56.08% ((Revenue TTM 191.57b - Cost of Revenue TTM 84.14b) / Revenue TTM)
Gross Margin QoQ = 60.12% (prev 55.56%)
Tobins Q-Ratio = 0.10 (Enterprise Value 354.38b / Total Assets 3410.39b)
Interest Expense / Debt = 5.06% (Interest Expense 18.51b / Debt 365.90b)
Taxrate = 39.46% (4.91b / 12.44b)
NOPAT = 22.82b (EBIT 37.70b * (1 - 39.46%))
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 = 3.35 (Net Debt 134.06b / EBITDA 40.02b)
Debt / FCF = 10.63 (Net Debt 134.06b / FCF TTM 12.61b)
Total Stockholder Equity = 300.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.91% (Net Income 30.51b / Total Assets 3410.39b)
RoE = 10.15% (Net Income TTM 30.51b / Total Stockholder Equity 300.64b)
RoCE = 6.09% (EBIT 37.70b / Capital Employed (Equity 300.64b + L.T.Debt 317.82b))
RoIC = 3.59% (NOPAT 22.82b / Invested Capital 636.28b)
WACC = 6.31% (E(354.38b)/V(720.29b) * Re(9.66%) + D(365.90b)/V(720.29b) * Rd(5.06%) * (1-Tc(0.39)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF] Terminal Value 79.14% ; FCFF base≈12.61b ; Y1≈8.28b ; Y5≈3.79b
 [DCF] Fair Price = N/A (negative equity: EV 109.71b - Net Debt 134.06b = -24.35b; debt exceeds intrinsic value)
 EPS Correlation: 20.88 | EPS CAGR: 5.56% | SUE: 0.02 | # QB: 0
Revenue Correlation: 84.11 | Revenue CAGR: 22.52% | SUE: 2.65 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.08 | Chg7d=+0.000 | Chg30d=-0.001 | Revisions Net=+1 | Analysts=18
EPS current Year (2026-12-31): EPS=4.34 | Chg7d=+0.004 | Chg30d=+0.006 | Revisions Net=+5 | Growth EPS=+14.0% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=4.97 | Chg7d=-0.005 | Chg30d=-0.003 | Revisions Net=+0 | Growth EPS=+14.4% | Growth Revenue=+4.9%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.9% (Discount Rate 9.7% - Earnings Yield 7.7%)
[Growth] Growth Spread = +10.6% (Analyst 12.6% - Implied 1.9%)
External Resources
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