BAC Stock Analysis: Bank of America | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 361.525m USD | 12M Return: 3.7% | US0605051046 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.13B
EPS Trend: 94.3%
Qual. Beats: -1
Rev. Trend: 91.9%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bank of America Corporation is a diversified financial services company headquartered in Charlotte, North Carolina, with origins dating back to 1784. It serves consumers, small and middle-market businesses, institutional investors, large corporations, and governments globally through four core segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets.
The Consumer Banking segment provides retail deposit products, credit and debit cards, residential mortgages, and home equity loans. GWIM offers investment management, brokerage, banking, trust, and retirement services alongside wealth management and specialty asset management solutions. Global Banking delivers commercial lending, leasing, trade finance, treasury solutions, and underwriting and advisory services to corporate and institutional clients. Global Markets supports institutional clients with market-making, securities clearing and settlement, custody services, and risk management products across interest rate, equity, credit, currency, and commodity derivatives.
As a mega-cap U.S. bank operating within the diversified banks sub-industry of the financials sector, Bank of America combines retail and commercial banking with capital markets and wealth management capabilities, generating revenue from net interest income, fee-based services, and trading activities.
- Net interest income benefits from higher-for-longer rate environment
- Consumer credit card balances and deposit growth drive revenue
- Investment banking fees recover on M&A and capital markets rebound
| Net Income: 32.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 3.43 > 1.0 |
| NWC/Revenue: -259.5% < 20% (prev -1.40k%; Δ 1.14k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 94.7b > Net Income 32.1b |
| Net Debt (354b) to EBITDA (45.9b): 7.71 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.31b) vs 12m ago -4.12% < -2% |
| Gross Margin: 45.27% > 18% (prev 18.52%; Δ 26.75% > 0.5%) |
| Asset Turnover: 4.12% > 50% (prev 3.15%; Δ 0.97% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBIT TTM 43.6b / Interest Expense TTM 71.8b) |
| A: -0.11 (Total Current Assets 26.9b - Total Current Liabilities 392b) / Total Assets 3428b |
| B: 0.08 (Retained Earnings 279b / Total Assets 3428b) |
| C: 0.01 (EBIT TTM 43.6b / Avg Total Assets 3415b) |
| D: 0.09 (Book Value of Equity 297b / Total Liabilities 3131b) |
| Altman-Z'' = -0.25 = B |
As of October 17, 2026, the stock is trading at USD 51.23 with a total of 64,157,235 shares traded. Over the past week, the price has changed by -5.69%, over one month by -11.52%, over three months by -16.26% and over the past year by +3.73%.
Current recommended Stop Loss: 47.90 (which is 6.5% or 2.5 ATR below the current price).
Bank of America has received a consensus analysts rating of 4.44. Therefore, it is recommended to buy BAC.
- StrongBuy: 15
- Buy: 6
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 63.8 | 24.6% |
P/E Trailing = 12.4578
P/E Forward = 10.7527
P/S = 3.1471
P/B = 1.4183
P/EG = 0.8463
Revenue TTM = 141b USD
EBIT TTM = 43.6b USD
EBITDA TTM = 45.9b USD
Long Term Debt = 318b USD (from longTermDebt, last fiscal year)
Short Term Debt = 62.2b USD (from shortTermDebt, last quarter)
Debt = 381b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 354b USD (calculated: Debt 381b - CCE 26.9b)
Enterprise Value = 716b USD (362b + Debt 381b - CCE 26.9b)
Interest Coverage Ratio = 0.61 (Ebit TTM 43.6b / Interest Expense TTM 71.8b)
EV/FCF = 7.55x (Enterprise Value 716b / FCF TTM 94.7b)
FCF Yield = 13.24% (FCF TTM 94.7b / Enterprise Value 716b)
FCF Margin = 67.30% (FCF TTM 94.7b / Revenue TTM 141b)
Net Margin = 22.82% (Net Income TTM 32.1b / Revenue TTM 141b)
Gross Margin = 45.27% ((Revenue TTM 141b - Cost of Revenue TTM 77.0b) / Revenue TTM)
Gross Margin QoQ = 60.06% (prev 39.16%)
Tobins Q-Ratio = 0.21 (Enterprise Value 716b / Total Assets 3428b)
Interest Expense / Debt = 18.84% (Interest Expense 71.8b / Debt 381b)
Taxrate = 25.94% (11.3b / 43.4b)
NOPAT = 32.3b (EBIT 43.6b * (1 - 25.94%))
Current Ratio = 0.07 (Total Current Assets 26.9b / Total Current Liabilities 392b)
Debt / Equity = 1.28 (Debt 381b / totalStockholderEquity, last quarter 297b)
Debt / EBITDA = 7.71 (Net Debt 354b / EBITDA 45.9b)
Debt / FCF = 3.74 (Net Debt 354b / FCF TTM 94.7b)
Total Stockholder Equity = 300b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 32.1b / Total Assets 3428b)
RoE = 10.69% (Net Income TTM 32.1b / Total Stockholder Equity 300b)
RoCE = 7.05% (EBIT 43.6b / Capital Employed (Equity 300b + L.T.Debt 318b))
RoIC = 0.94% (NOPAT 32.3b / Invested Capital 3421b)
WACC = 11.61% (E(362b)/V(742b) * Re(9.14%) + D(381b)/V(742b) * Rd(18.84%) * (1-Tc(0.26)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.09 | Cagr: -3.71%
[DCF] Terminal Value 64.91% ; FCFF base≈94.7b ; Y1≈95.1b ; Y5≈101b
[DCF] Fair Price = 93.62 (EV 1009b - Net Debt 354b = Equity 655b / Shares 6.99b; r=11.61% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 94.33 | EPS CAGR: 18.92% | SUE: -0.94 | # QB: -1
Revenue Correlation: 91.89 | Revenue CAGR: 12.29% | SUE: 4.0 | # QB: 1
EPS current Quarter (2027-03-31): EPS=1.23 | Chg30d=-1.03% | Revisions=-17% | Analysts=11
EPS current Year (2026-12-31): EPS=4.46 | Chg30d=-4.53% | Revisions=-83% | GrowthEPS=+17.0% | GrowthRev=+8.7%
EPS next Year (2027-12-31): EPS=5.18 | Chg30d=-1.95% | Revisions=-83% | GrowthEPS=+16.1% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: -86% (up=1, down=32)