(BAC) Bank of America - Overview
Stock: Checking, Savings, Loans, Cards, Investment
| Risk 5d forecast | |
|---|---|
| Volatility | 24.7% |
| Relative Tail Risk | -8.91% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.65 |
| Alpha | 4.32 |
| Character TTM | |
|---|---|
| Beta | 0.987 |
| Beta Downside | 1.338 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.51% |
| CAGR/Max DD | 0.69 |
EPS (Earnings per Share)
Revenue
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?
Over the past week, the price has changed by +0.61%, over one month by +1.16%, over three months by +2.71% and over the past year by +22.11%.
Is BAC a buy, sell or hold?
- 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 | 17.5% |
| Analysts Target Price | 62.4 | 17.5% |
BAC Fundamental Data Overview February 21, 2026
P/E Forward = 12.0627
P/S = 3.5873
P/B = 1.367
P/EG = 0.9891
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 = -212.48b USD (385.35b + Debt 365.90b - CCE 963.73b)
Interest Coverage Ratio = 0.32 (Ebit TTM 25.26b / Interest Expense TTM 78.47b)
EV/FCF = -3.46x (Enterprise Value -212.48b / FCF TTM 61.47b)
FCF Yield = -28.93% (FCF TTM 61.47b / Enterprise Value -212.48b)
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 -212.48b / 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 = 6.86% (E(385.35b)/V(751.26b) * Re(9.55%) + D(365.90b)/V(751.26b) * Rd(5.06%) * (1-Tc(0.21)))
Discount Rate = 9.55% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.25%
[DCF Debug] Terminal Value 75.75% ; FCFF base≈61.47b ; Y1≈40.35b ; Y5≈18.41b
Fair Price DCF = 44.32 (EV 453.71b - Net Debt 134.06b = Equity 319.65b / Shares 7.21b; r=6.86% [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=+0.001 | Revisions Net=+0 | Analysts=17
EPS current Year (2026-12-31): EPS=4.34 | Chg30d=-0.022 | Revisions Net=-4 | Growth EPS=+13.8% | Growth Revenue=+6.0%
EPS next Year (2027-12-31): EPS=4.97 | Chg30d=+0.011 | Revisions Net=-8 | Growth EPS=+14.6% | Growth Revenue=+5.0%