(BAC) Bank of America - Ratings and Ratios
Loans, Mortgages, Cards, Deposits, Investments
BAC EPS (Earnings per Share)
BAC Revenue
Description: BAC Bank of America
Bank of America Corp. (NYSE:BAC) operates through four primary segments-Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets-delivering a broad suite of financial products to individuals, small- and mid-size businesses, institutional investors, large corporations, and governments worldwide.
The Consumer Banking unit provides deposit accounts (savings, money-market, CDs, IRAs, checking), credit and debit cards, mortgage and home-equity financing, as well as auto, RV, and personal loans. GWIM offers brokerage, wealth-management, trust, retirement, and specialty asset-management services. Global Banking focuses on commercial lending, treasury solutions, trade finance, debt/equity underwriting, advisory work, and research. Global Markets delivers market-making, clearing, custody, and a full range of derivative and risk-management products across interest-rate, equity, credit, currency, and commodity spaces.
Recent data (Q2 2024) show BAC’s net interest income rose 7% YoY to $15.2 bn, driven by a 3.1% net interest margin amid a 4.5% Fed Funds rate environment; total deposits grew 5% YoY to $2.3 tn, while the CET1 capital ratio held steady at 13.1%, reflecting solid credit quality. A key sector driver is the Fed’s monetary-policy stance: higher rates boost NII but can suppress loan demand and increase credit-risk pressure, especially in commercial real-estate exposure. For a deeper, data-driven view of BAC’s valuation and risk profile, you may find ValueRay’s analyst toolkit useful.
BAC Stock Overview
| Market Cap in USD | 368,792m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1978-01-13 |
BAC Stock Ratings
| Growth Rating | 63.2% |
| Fundamental | 44.4% |
| Dividend Rating | 64.8% |
| Return 12m vs S&P 500 | 5.04% |
| Analyst Rating | 4.48 of 5 |
BAC Dividends
| Dividend Yield 12m | 2.10% |
| Yield on Cost 5y | 5.05% |
| Annual Growth 5y | 8.56% |
| Payout Consistency | 95.7% |
| Payout Ratio | 31.0% |
BAC Growth Ratios
| Growth Correlation 3m | 75.9% |
| Growth Correlation 12m | 56.5% |
| Growth Correlation 5y | 45.2% |
| CAGR 5y | 17.63% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.54 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.66 |
| Sharpe Ratio 12m | 0.67 |
| Alpha | 5.33 |
| Beta | 1.334 |
| Volatility | 25.47% |
| Current Volume | 49021.3k |
| Average Volume 20d | 27467.9k |
| Stop Loss | 48.9 (-3.1%) |
| Signal | -0.68 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (28.07b TTM) > 0 and > 6% of Revenue (6% = 9.96b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA -2.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1087 % (prev -1752 %; Δ 665.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -22.68b <= Net Income 28.07b (YES >=105%, WARN >=100%) |
| Net Debt (485.38b) to EBITDA (35.75b) ratio: 13.58 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (7.65b) change vs 12m ago -3.89% (target <= -2.0% for YES) |
| Gross Margin 52.65% (prev 37.13%; Δ 15.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.95% (prev 2.98%; Δ 1.97pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.39 (EBITDA TTM 35.75b / Interest Expense TTM 84.97b) >= 6 (WARN >= 3) |
Altman Z'' -3.04
| (A) -0.52 = (Total Current Assets 763.10b - Total Current Liabilities 2566.39b) / Total Assets 3441.14b |
| (B) 0.07 = Retained Earnings (Balance) 252.18b / Total Assets 3441.14b |
| (C) 0.01 = EBIT TTM 33.49b / Avg Total Assets 3349.57b |
| (D) 0.09 = Book Value of Equity 276.10b / Total Liabilities 3141.54b |
| Total Rating: -3.04 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 44.43
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -4.76% = -2.38 |
| 3. FCF Margin -13.66% = -5.12 |
| 4. Debt/Equity 2.54 = -0.06 |
| 5. Debt/Ebitda 13.58 = -2.50 |
| 6. ROIC - WACC (= -0.19)% = -0.24 |
| 7. RoE 9.46% = 0.79 |
| 8. Rev. Trend 76.92% = 5.77 |
| 9. EPS Trend 3.56% = 0.18 |
What is the price of BAC shares?
Over the past week, the price has changed by +1.31%, over one month by -0.43%, over three months by +10.19% and over the past year by +20.62%.
Is Bank of America a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BAC is around 51.72 USD . This means that BAC is currently overvalued and has a potential downside of 2.54%.
Is BAC a buy, sell or hold?
- Strong Buy: 15
- Buy: 7
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BAC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 56.2 | 11.3% |
| Analysts Target Price | 56.2 | 11.3% |
| ValueRay Target Price | 56 | 11% |
Last update: 2025-10-11 05:00
BAC Fundamental Data Overview
P/E Trailing = 14.6012
P/E Forward = 11.8483
P/S = 3.7458
P/B = 1.3542
P/EG = 1.2606
Beta = 1.334
Revenue TTM = 165.97b USD
EBIT TTM = 33.49b USD
EBITDA TTM = 35.75b USD
Long Term Debt = 313.42b USD (from longTermDebt, last quarter)
Short Term Debt = 447.35b USD (from shortTermDebt, last quarter)
Debt = 760.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 485.38b USD (from netDebt column, last quarter)
Enterprise Value = 476.14b USD (368.79b + Debt 760.77b - CCE 653.42b)
Interest Coverage Ratio = 0.39 (Ebit TTM 33.49b / Interest Expense TTM 84.97b)
FCF Yield = -4.76% (FCF TTM -22.68b / Enterprise Value 476.14b)
FCF Margin = -13.66% (FCF TTM -22.68b / Revenue TTM 165.97b)
Net Margin = 16.92% (Net Income TTM 28.07b / Revenue TTM 165.97b)
Gross Margin = 52.65% ((Revenue TTM 165.97b - Cost of Revenue TTM 78.59b) / Revenue TTM)
Gross Margin QoQ = 53.30% (prev 55.09%)
Tobins Q-Ratio = 0.14 (Enterprise Value 476.14b / Total Assets 3441.14b)
Interest Expense / Debt = 2.66% (Interest Expense 20.20b / Debt 760.77b)
Taxrate = 7.44% (572.0m / 7.69b)
NOPAT = 31.00b (EBIT 33.49b * (1 - 7.44%))
Current Ratio = 0.30 (Total Current Assets 763.10b / Total Current Liabilities 2566.39b)
Debt / Equity = 2.54 (Debt 760.77b / totalStockholderEquity, last quarter 299.60b)
Debt / EBITDA = 13.58 (Net Debt 485.38b / EBITDA 35.75b)
Debt / FCF = -21.40 (negative FCF - burning cash) (Net Debt 485.38b / FCF TTM -22.68b)
Total Stockholder Equity = 296.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.82% (Net Income 28.07b / Total Assets 3441.14b)
RoE = 9.46% (Net Income TTM 28.07b / Total Stockholder Equity 296.81b)
RoCE = 5.49% (EBIT 33.49b / Capital Employed (Equity 296.81b + L.T.Debt 313.42b))
RoIC = 5.03% (NOPAT 31.00b / Invested Capital 616.13b)
WACC = 5.22% (E(368.79b)/V(1129.56b) * Re(10.93%) + D(760.77b)/V(1129.56b) * Rd(2.66%) * (1-Tc(0.07)))
Discount Rate = 10.93% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.58%
Fair Price DCF = unknown (Cash Flow -22.68b)
EPS Correlation: 3.56 | EPS CAGR: 3.48% | SUE: 0.23 | # QB: 0
Revenue Correlation: 76.92 | Revenue CAGR: 28.13% | SUE: 0.63 | # QB: 0
Additional Sources for BAC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle