BAC Stock Analysis: Bank of America | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 391.804m USD | 12M Return: 8.8% | US0605051046 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.18B
EPS Trend: 75.1%
Qual. Beats: 2
Rev. Trend: 92.6%
Qual. Beats: 0
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: 33.7b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 3.37 > 1.0 |
| NWC/Revenue: -2.35k% < 20% (prev -1.73k%; Δ -620.7% < -1%) |
| CFO/TA 0.03 > 3% & CFO 94.7b > Net Income 33.7b |
| Net Debt (703b) to EBITDA (46.2b): 15.23 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.29b) vs 12m ago -4.67% < -2% |
| Gross Margin: 34.43% > 18% (prev 24.81%; Δ 9.62% > 0.5%) |
| Asset Turnover: 3.49% > 50% (prev 3.04%; Δ 0.45% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 43.9b / Interest Expense TTM 74.1b) |
| A: -0.81 (Total Current Assets 28.6b - Total Current Liabilities 2870b) / Total Assets 3499b |
| B: 0.08 (Retained Earnings 275b / Total Assets 3499b) |
| C: 0.01 (EBIT TTM 43.9b / Avg Total Assets 3470b) |
| D: 0.09 (Book Value of Equity 301b / Total Liabilities 3198b) |
| Altman-Z'' = -4.89 = D |
| DSRI: 0.10 (Receivables 4.20b/110b, Revenue 121b/105b) |
| GMI: 0.72 (GM 24.81% / 34.43%) |
| AQI: 1.28 (AQ_t 0.99 / AQ_t-1 0.77) |
| SGI: 1.16 (Revenue 121b / 105b) |
| TATA: -0.02 (NI 33.7b - CFO 94.7b) / TA 3499b) |
| Beneish M = -3.74 (Cap -4..+1) = AAA |
As of October 03, 2026, the stock is trading at USD 53.75 with a total of 34,897,453 shares traded. Over the past week, the price has changed by -5.20%, over one month by -13.70%, over three months by -8.01% and over the past year by +8.75%.
Current recommended Stop Loss: 50.90 (which is 5.3% or 2.4 ATR below the current price).
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
| Analysts Target Price | 68.6 | 27.7% |
P/E Trailing = 12.94
P/E Forward = 10.7527
P/S = 3.439
P/B = 1.4183
P/EG = 0.8463
Revenue TTM = 121b USD
EBIT TTM = 43.9b USD
EBITDA TTM = 46.2b USD
Long Term Debt = 318b USD (from longTermDebt, last fiscal year)
Short Term Debt = 392b USD (from shortTermDebt, last quarter)
Debt = 732b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 703b USD (calculated: Debt 732b - CCE 28.6b)
Enterprise Value = 1095b USD (392b + Debt 732b - CCE 28.6b)
Interest Coverage Ratio = 0.59 (Ebit TTM 43.9b / Interest Expense TTM 74.1b)
EV/FCF = 11.56x (Enterprise Value 1095b / FCF TTM 94.7b)
FCF Yield = 8.65% (FCF TTM 94.7b / Enterprise Value 1095b)
FCF Margin = 78.24% (FCF TTM 94.7b / Revenue TTM 121b)
Net Margin = 27.79% (Net Income TTM 33.7b / Revenue TTM 121b)
Gross Margin = 34.43% ((Revenue TTM 121b - Cost of Revenue TTM 79.4b) / Revenue TTM)
Gross Margin QoQ = 39.16% (prev 37.40%)
Tobins Q-Ratio = 0.31 (Enterprise Value 1095b / Total Assets 3499b)
Interest Expense / Debt = 10.12% (Interest Expense 74.1b / Debt 732b)
Taxrate = 23.27% (10.2b / 43.9b)
NOPAT = 33.7b (EBIT 43.9b * (1 - 23.27%))
Current Ratio = 0.01 (Total Current Assets 28.6b / Total Current Liabilities 2870b)
Debt / Equity = 2.43 (Debt 732b / totalStockholderEquity, last quarter 301b)
Debt / EBITDA = 15.23 (Net Debt 703b / EBITDA 46.2b)
Debt / FCF = 7.42 (Net Debt 703b / FCF TTM 94.7b)
Total Stockholder Equity = 302b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 33.7b / Total Assets 3499b)
RoE = 11.13% (Net Income TTM 33.7b / Total Stockholder Equity 302b)
RoCE = 7.07% (EBIT 43.9b / Capital Employed (Equity 302b + L.T.Debt 318b))
RoIC = 0.96% (NOPAT 33.7b / Invested Capital 3493b)
WACC = 8.26% (E(392b)/V(1124b) * Re(9.19%) + D(732b)/V(1124b) * Rd(10.12%) * (1-Tc(0.23)))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.14 | Cagr: -4.19%
[DCF] Terminal Value 75.44% ; FCFF base≈94.7b ; Y1≈95.1b ; Y5≈101b
[DCF] Fair Price = 123.6 (EV 1567b - Net Debt 703b = Equity 864b / Shares 6.99b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 75.10 | EPS CAGR: 13.11% | SUE: 2.38 | # QB: 2
Revenue Correlation: 92.60 | Revenue CAGR: 8.21% | SUE: 0.73 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.17 | Chg30d=-2.59% | Revisions=-25% | Analysts=16
EPS current Year (2026-12-31): EPS=4.64 | Chg30d=-0.84% | Revisions=-25% | GrowthEPS=+21.8% | GrowthRev=+9.5%
EPS next Year (2027-12-31): EPS=5.27 | Chg30d=-0.41% | Revisions=-25% | GrowthEPS=+13.6% | GrowthRev=+5.3%
[Analyst] Revisions Ratio: -50% (up=0, down=3)