BAC Stock Analysis: Bank of America | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 435.057m USD | 12M Return: 33.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 2.07B
EPS Trend: 75.1%
Qual. Beats: 2
Rev. Trend: 92.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 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 (NYSE: BAC) is a U.S.-headquartered, mega-cap diversified bank operating through four main segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. Its services span retail deposits, mortgages, credit cards, wealth management, commercial lending, investment banking, and trading and market-making activities, serving consumers, small and middle-market businesses, large corporations, institutional investors, and governments. The company is headquartered in Charlotte, North Carolina, and traces its corporate lineage to 1784, making it one of the oldest financial institutions in the United States.
Within the Financials sector, Bank of America is classified as a Diversified Bank under the Global Industry Classification Standard (GICS). It is generally counted among the Big Four U.S. banks alongside JPMorgan Chase, Citigroup, and Wells Fargo, a group that collectively holds the largest share of domestic banking assets. Its U.S. deposit-taking activities are backed by FDIC insurance, and the firm operates a universal banking model that combines consumer banking, capital markets, and wealth management under a single corporate structure.
- NIM expands as deposit costs decline and asset yields hold
- Credit card and CRE losses normalize from pandemic peaks
- Buybacks accelerate after Fed stress test capital buffer relief
| Net Income: 33.7b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.48 > 1.0 |
| NWC/Revenue: -1.60k% < 20% (prev -1.09k%; Δ -513.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 56.6b > 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: 65.21% > 18% (prev 52.65%; Δ 12.56% > 0.5%) |
| Asset Turnover: 5.12% > 50% (prev 4.82%; Δ 0.29% > 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 |
As of July 18, 2026, the stock is trading at USD 61.27 with a total of 36,445,367 shares traded. Over the past week, the price has changed by +2.68%, over one month by +8.38%, over three months by +14.24% and over the past year by +33.14%.
Current recommended Stop Loss: 59.60 (which is 2.7% or 1.3 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 | 67.3 | 9.8% |
P/E Trailing = 14.1582
P/E Forward = 13.3333
P/S = 3.882
P/B = 1.5317
P/EG = 1.0588
Revenue TTM = 178b 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 = 1138b USD (435b + Debt 732b - CCE 28.6b)
Interest Coverage Ratio = 0.59 (Ebit TTM 43.9b / Interest Expense TTM 74.1b)
EV/FCF = 20.13x (Enterprise Value 1138b / FCF TTM 56.6b)
FCF Yield = 4.97% (FCF TTM 56.6b / Enterprise Value 1138b)
FCF Margin = 31.85% (FCF TTM 56.6b / Revenue TTM 178b)
Net Margin = 18.95% (Net Income TTM 33.7b / Revenue TTM 178b)
Gross Margin = 65.21% ((Revenue TTM 178b - Cost of Revenue TTM 61.8b) / Revenue TTM)
Gross Margin QoQ = 61.13% (prev none%)
Tobins Q-Ratio = 0.33 (Enterprise Value 1138b / 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 = 12.44 (Net Debt 703b / FCF TTM 56.6b)
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 3490b)
WACC = 8.27% (E(435b)/V(1167b) * Re(9.11%) + D(732b)/V(1167b) * Rd(10.12%) * (1-Tc(0.23)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.14 | Cagr: -4.19%
[DCF] Terminal Value 77.97% ; FCFF base≈35.8b ; Y1≈41.0b ; Y5≈60.3b
[DCF] Fair Price = 28.81 (EV 908b - Net Debt 703b = Equity 204b / Shares 7.10b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 75.10 | EPS CAGR: 13.11% | SUE: 2.38 | # QB: 2
Revenue Correlation: 92.18 | Revenue CAGR: 35.26% | SUE: 0.51 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.18 | Chg30d=+3.89% | Revisions=+12% | Analysts=15
EPS current Year (2026-12-31): EPS=4.66 | Chg30d=+4.01% | Revisions=+29% | GrowthEPS=+22.2% | GrowthRev=+9.7%
EPS next Year (2027-12-31): EPS=5.23 | Chg30d=+3.67% | Revisions=+57% | GrowthEPS=+12.4% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +44% (up=10, down=3)