(BAC) Bank of America - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0605051046
Stock: Banking, Loans, Investments, Trading, Wealth Management
Total Rating 31
Risk 29
Buy Signal -0.35
| Risk 5d forecast | |
|---|---|
| Volatility | 28.6% |
| Relative Tail Risk | -8.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.69 |
| Alpha | 1.00 |
| Character TTM | |
|---|---|
| Beta | 1.053 |
| Beta Downside | 1.210 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.51% |
| CAGR/Max DD | 0.74 |
EPS (Earnings per Share)
Revenue
Description: BAC Bank of America March 04, 2026
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, 0-10) 3.0
| Net Income: 30.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.64 > 1.0 |
| NWC/Revenue: -790.7% < 20% (prev -1370 %; Δ 579.5% < -1%) |
| CFO/TA 0.00 > 3% & CFO 12.61b > Net Income 30.63b |
| Net Debt (134.06b) to EBITDA (37.21b): 3.60 < 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: 0.44 > 6 (EBITDA TTM 37.21b / Interest Expense TTM 78.47b) |
Altman Z'' -2.46
| 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 34.88b / Avg Total Assets 3335.96b) |
| D: 0.09 (Book Value of Equity 277.25b / Total Liabilities 3107.15b) |
| Altman-Z'' Score: -2.46 = D |
Beneish M -3.05
| 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 12.61b) / TA 3410.39b) |
| Beneish M-Score: -3.05 (Cap -4..+1) = AA |
What is the price of BAC shares?
As of March 09, 2026, the stock is trading at USD 48.64 with a total of 32,301,319 shares traded.
Over the past week, the price has changed by -1.80%, over one month by -13.29%, over three months by -9.25% and over the past year by +24.87%.
Over the past week, the price has changed by -1.80%, over one month by -13.29%, over three months by -9.25% and over the past year by +24.87%.
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 | 62.4 | 28.2% |
| Analysts Target Price | 62.4 | 28.2% |
BAC Fundamental Data Overview March 07, 2026
P/E Trailing = 13.2122
P/E Forward = 11.5473
P/S = 3.3861
P/B = 1.3085
P/EG = 0.9467
Revenue TTM = 188.75b USD
EBIT TTM = 34.88b USD
EBITDA TTM = 37.21b 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 = -234.09b USD (363.74b + Debt 365.90b - CCE 963.73b)
Interest Coverage Ratio = 0.44 (Ebit TTM 34.88b / Interest Expense TTM 78.47b)
EV/FCF = -18.56x (Enterprise Value -234.09b / FCF TTM 12.61b)
FCF Yield = -5.39% (FCF TTM 12.61b / Enterprise Value -234.09b)
FCF Margin = 6.68% (FCF TTM 12.61b / 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 = -0.07 (set to none) (Enterprise Value -234.09b / Total Assets 3410.39b)
Interest Expense / Debt = 5.06% (Interest Expense 18.51b / Debt 365.90b)
Taxrate = 20.53% (1.98b / 9.62b)
NOPAT = 27.72b (EBIT 34.88b * (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 = 3.60 (Net Debt 134.06b / EBITDA 37.21b)
Debt / FCF = 10.63 (Net Debt 134.06b / FCF TTM 12.61b)
Total Stockholder Equity = 300.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 30.63b / Total Assets 3410.39b)
RoE = 10.19% (Net Income TTM 30.63b / Total Stockholder Equity 300.64b)
RoCE = 5.64% (EBIT 34.88b / Capital Employed (Equity 300.64b + L.T.Debt 317.82b))
RoIC = 4.36% (NOPAT 27.72b / Invested Capital 636.28b)
WACC = 6.90% (E(363.74b)/V(729.64b) * Re(9.80%) + D(365.90b)/V(729.64b) * Rd(5.06%) * (1-Tc(0.21)))
Discount Rate = 9.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF] Terminal Value 75.52% ; FCFF base≈12.61b ; Y1≈8.28b ; Y5≈3.78b
[DCF] Fair Price = N/A (negative equity: EV 92.13b - Net Debt 134.06b = -41.92b; debt exceeds intrinsic value)
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 (2026-06-30): EPS=1.08 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-3 | Analysts=17
EPS current Year (2026-12-31): EPS=4.34 | Chg7d=+0.000 | Chg30d=+0.007 | Revisions Net=+1 | Growth EPS=+13.8% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=4.97 | Chg7d=+0.002 | Chg30d=+0.004 | Revisions Net=+2 | Growth EPS=+14.7% | Growth Revenue=+5.0%
[Analyst] Revisions Ratio: -0.27 (4 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.2% (Discount Rate 9.8% - Earnings Yield 7.6%)
[Growth] Growth Spread = +10.2% (Analyst 12.4% - Implied 2.2%)
P/E Forward = 11.5473
P/S = 3.3861
P/B = 1.3085
P/EG = 0.9467
Revenue TTM = 188.75b USD
EBIT TTM = 34.88b USD
EBITDA TTM = 37.21b 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 = -234.09b USD (363.74b + Debt 365.90b - CCE 963.73b)
Interest Coverage Ratio = 0.44 (Ebit TTM 34.88b / Interest Expense TTM 78.47b)
EV/FCF = -18.56x (Enterprise Value -234.09b / FCF TTM 12.61b)
FCF Yield = -5.39% (FCF TTM 12.61b / Enterprise Value -234.09b)
FCF Margin = 6.68% (FCF TTM 12.61b / 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 = -0.07 (set to none) (Enterprise Value -234.09b / Total Assets 3410.39b)
Interest Expense / Debt = 5.06% (Interest Expense 18.51b / Debt 365.90b)
Taxrate = 20.53% (1.98b / 9.62b)
NOPAT = 27.72b (EBIT 34.88b * (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 = 3.60 (Net Debt 134.06b / EBITDA 37.21b)
Debt / FCF = 10.63 (Net Debt 134.06b / FCF TTM 12.61b)
Total Stockholder Equity = 300.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 30.63b / Total Assets 3410.39b)
RoE = 10.19% (Net Income TTM 30.63b / Total Stockholder Equity 300.64b)
RoCE = 5.64% (EBIT 34.88b / Capital Employed (Equity 300.64b + L.T.Debt 317.82b))
RoIC = 4.36% (NOPAT 27.72b / Invested Capital 636.28b)
WACC = 6.90% (E(363.74b)/V(729.64b) * Re(9.80%) + D(365.90b)/V(729.64b) * Rd(5.06%) * (1-Tc(0.21)))
Discount Rate = 9.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF] Terminal Value 75.52% ; FCFF base≈12.61b ; Y1≈8.28b ; Y5≈3.78b
[DCF] Fair Price = N/A (negative equity: EV 92.13b - Net Debt 134.06b = -41.92b; debt exceeds intrinsic value)
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 (2026-06-30): EPS=1.08 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-3 | Analysts=17
EPS current Year (2026-12-31): EPS=4.34 | Chg7d=+0.000 | Chg30d=+0.007 | Revisions Net=+1 | Growth EPS=+13.8% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=4.97 | Chg7d=+0.002 | Chg30d=+0.004 | Revisions Net=+2 | Growth EPS=+14.7% | Growth Revenue=+5.0%
[Analyst] Revisions Ratio: -0.27 (4 Up / 7 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.2% (Discount Rate 9.8% - Earnings Yield 7.6%)
[Growth] Growth Spread = +10.2% (Analyst 12.4% - Implied 2.2%)