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BANK OF AMERICA CORP (1BAC.MI) Stock Fundamental Analysis

Europe - BIT:1BAC - US0605051046 - Common Stock

43.765 EUR
-0.92 (-2.06%)
Last: 10/22/2025, 7:00:00 PM
Fundamental Rating

3

Overall 1BAC gets a fundamental rating of 3 out of 10. We evaluated 1BAC against 99 industry peers in the Banks industry. 1BAC may be in some trouble as it scores bad on both profitability and health. 1BAC is quite expensive at the moment. It does show a decent growth rate. Finally 1BAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year 1BAC was profitable.
In the past year 1BAC has reported a negative cash flow from operations.
In the past 5 years 1BAC has always been profitable.
In multiple years 1BAC reported negative operating cash flow during the last 5 years.
1BAC.MI Yearly Net Income VS EBIT VS OCF VS FCF1BAC.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

1.2 Ratios

1BAC has a Return On Assets (0.77%) which is comparable to the rest of the industry.
The Return On Equity of 1BAC (8.88%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.77%
ROE 8.88%
ROIC N/A
ROA(3y)0.81%
ROA(5y)0.79%
ROE(3y)8.89%
ROE(5y)8.81%
ROIC(3y)N/A
ROIC(5y)N/A
1BAC.MI Yearly ROA, ROE, ROIC1BAC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 25.44%, 1BAC is in the better half of the industry, outperforming 65.66% of the companies in the same industry.
In the last couple of years the Profit Margin of 1BAC has declined.
1BAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.96%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
1BAC.MI Yearly Profit, Operating, Gross Margins1BAC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

1BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1BAC has been reduced compared to 1 year ago.
Compared to 5 years ago, 1BAC has less shares outstanding
1BAC has a worse debt/assets ratio than last year.
1BAC.MI Yearly Shares Outstanding1BAC.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
1BAC.MI Yearly Total Debt VS Total Assets1BAC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T

2.2 Solvency

1BAC has a Debt/Equity ratio of 2.54. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.54, 1BAC perfoms like the industry average, outperforming 41.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.54
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.23%
1BAC.MI Yearly LT Debt VS Equity VS FCF1BAC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BAC.MI Yearly Current Assets VS Current Liabilites1BAC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

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5

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.91% over the past year.
The Earnings Per Share has been growing slightly by 3.50% on average over the past years.
The Revenue has been growing slightly by 6.31% in the past year.
Measured over the past years, 1BAC shows a small growth in Revenue. The Revenue has been growing by 2.23% on average per year.
EPS 1Y (TTM)4.91%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%7.23%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%4.19%

3.2 Future

Based on estimates for the next years, 1BAC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.12% on average per year.
1BAC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.74% yearly.
EPS Next Y12.67%
EPS Next 2Y14.51%
EPS Next 3Y14.13%
EPS Next 5Y9.12%
Revenue Next Year6.58%
Revenue Next 2Y6.26%
Revenue Next 3Y5.85%
Revenue Next 5Y4.74%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1BAC.MI Yearly Revenue VS Estimates1BAC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B
1BAC.MI Yearly EPS VS Estimates1BAC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.84, 1BAC is valued correctly.
1BAC's Price/Earnings ratio is rather expensive when compared to the industry. 1BAC is more expensive than 83.84% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.67. 1BAC is valued slightly cheaper when compared to this.
1BAC is valuated reasonably with a Price/Forward Earnings ratio of 11.76.
1BAC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1BAC is more expensive than 69.70% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.33, 1BAC is valued a bit cheaper.
Industry RankSector Rank
PE 14.84
Fwd PE 11.76
1BAC.MI Price Earnings VS Forward Price Earnings1BAC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BAC.MI Per share data1BAC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as 1BAC's earnings are expected to grow with 14.13% in the coming years.
PEG (NY)1.17
PEG (5Y)4.24
EPS Next 2Y14.51%
EPS Next 3Y14.13%

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7

5. Dividend

5.1 Amount

1BAC has a Yearly Dividend Yield of 5.89%, which is a nice return.
Compared to an average industry Dividend Yield of 4.86, 1BAC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, 1BAC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.89%

5.2 History

On average, the dividend of 1BAC grows each year by 13.83%, which is quite nice.
Dividend Growth(5Y)13.83%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1BAC pays out 35.80% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1BAC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP35.8%
EPS Next 2Y14.51%
EPS Next 3Y14.13%
1BAC.MI Yearly Income VS Free CF VS Dividend1BAC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B
1BAC.MI Dividend Payout.1BAC.MI Dividend Payout, showing the Payout Ratio.1BAC.MI Dividend Payout.PayoutRetained Earnings

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BANK OF AMERICA CORP

BIT:1BAC (10/22/2025, 7:00:00 PM)

43.765

-0.92 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16/bmo
Earnings (Next)10-15 2025-10-15/bmo
Inst Owners67.04%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap324.17B
Revenue(TTM)104.52B
Net Income(TTM)26.59B
Analysts80
Price Target46.28 (5.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.89%
Yearly Dividend1.06
Dividend Growth(5Y)13.83%
DP35.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.9%
Min EPS beat(2)2.97%
Max EPS beat(2)8.83%
EPS beat(4)4
Avg EPS beat(4)5.42%
Min EPS beat(4)2.97%
Max EPS beat(4)8.83%
EPS beat(8)8
Avg EPS beat(8)5.5%
EPS beat(12)12
Avg EPS beat(12)6.25%
EPS beat(16)16
Avg EPS beat(16)6.85%
Revenue beat(2)1
Avg Revenue beat(2)-0.25%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)0.92%
Revenue beat(4)2
Avg Revenue beat(4)-0.11%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)0.92%
Revenue beat(8)4
Avg Revenue beat(8)-0.99%
Revenue beat(12)6
Avg Revenue beat(12)-0.18%
Revenue beat(16)7
Avg Revenue beat(16)-0.13%
PT rev (1m)3.28%
PT rev (3m)7.44%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)-0.05%
EPS NY rev (1m)0.09%
EPS NY rev (3m)0.42%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 14.84
Fwd PE 11.76
P/S 3.6
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)2.95
EY6.74%
EPS(NY)3.72
Fwd EY8.5%
FCF(TTM)-2.64
FCFYN/A
OCF(TTM)-2.64
OCFYN/A
SpS12.17
BVpS34.89
TBVpS26.85
PEG (NY)1.17
PEG (5Y)4.24
Graham Number48.12
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 8.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.44%
GM N/A
FCFM N/A
ROA(3y)0.81%
ROA(5y)0.79%
ROE(3y)8.89%
ROE(5y)8.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.96%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.54
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.23%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.91%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%7.23%
EPS Next Y12.67%
EPS Next 2Y14.51%
EPS Next 3Y14.13%
EPS Next 5Y9.12%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%4.19%
Revenue Next Year6.58%
Revenue Next 2Y6.26%
Revenue Next 3Y5.85%
Revenue Next 5Y4.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-150.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-150.8%
OCF growth 3YN/A
OCF growth 5YN/A