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

BIT:1BAC • US0605051046

Current stock price

40.96 EUR
+0.12 (+0.28%)
Last:

This 1BAC.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1BAC.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1BAC was profitable.
  • 1BAC had a positive operating cash flow in the past year.
  • Each year in the past 5 years 1BAC has 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B

1.2 Ratios

  • 1BAC's Return On Assets of 0.86% is in line compared to the rest of the industry. 1BAC outperforms 51.82% of its industry peers.
  • The Return On Equity of 1BAC (9.62%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.86%
ROE 9.62%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.85%
ROE(3y)8.91%
ROE(5y)9.51%
ROIC(3y)N/A
ROIC(5y)N/A
1BAC.MI Yearly ROA, ROE, ROIC1BAC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 26.45%, 1BAC is doing good in the industry, outperforming 72.73% of the companies in the same industry.
  • 1BAC's Profit Margin has improved in the last couple of years.
  • 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) 26.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.12%
PM growth 5Y5.93%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. 1BAC.MI Health Analysis

2.1 Basic Checks

  • 1BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 1BAC has less shares outstanding
  • The number of shares outstanding for 1BAC has been reduced compared to 5 years ago.
  • The debt/assets ratio for 1BAC is higher compared to a year ago.
1BAC.MI Yearly Shares Outstanding1BAC.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1T 2T 3T

2.2 Solvency

  • 1BAC has a debt to FCF ratio of 56.34. This is a negative value and a sign of low solvency as 1BAC would need 56.34 years to pay back of all of its debts.
  • 1BAC's Debt to FCF ratio of 56.34 is in line compared to the rest of the industry. 1BAC outperforms 50.91% of its industry peers.
  • A Debt/Equity ratio of 2.34 is on the high side and indicates that 1BAC has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.34, 1BAC is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Altman-Z N/A
ROIC/WACCN/A
WACC10.75%
1BAC.MI Yearly LT Debt VS Equity VS FCF1BAC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

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5

3. 1BAC.MI Growth Analysis

3.1 Past

  • 1BAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.41%, which is quite good.
  • Measured over the past years, 1BAC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.79% on average per year.
  • 1BAC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.06%.
  • 1BAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.75% yearly.
EPS 1Y (TTM)16.41%
EPS 3Y5.73%
EPS 5Y15.79%
EPS Q2Q%19.51%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y6%
Revenue growth 5Y5.75%
Sales Q2Q%11.89%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.09% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 5.55% on average over the next years.
EPS Next Y14.29%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
EPS Next 5Y12.09%
Revenue Next Year8.13%
Revenue Next 2Y7%
Revenue Next 3Y5.76%
Revenue Next 5Y5.55%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 stable.
1BAC.MI Yearly Revenue VS Estimates1BAC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B
1BAC.MI Yearly EPS VS Estimates1BAC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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4

4. 1BAC.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.30, 1BAC is valued correctly.
  • Based on the Price/Earnings ratio, 1BAC is valued a bit more expensive than 74.55% of the companies in the same industry.
  • 1BAC is valuated cheaply when we compare the Price/Earnings ratio to 24.89, which is the current average of the S&P500 Index.
  • 1BAC is valuated reasonably with a Price/Forward Earnings ratio of 10.78.
  • The rest of the industry has a similar Price/Forward Earnings ratio as 1BAC.
  • When comparing the Price/Forward Earnings ratio of 1BAC to the average of the S&P500 Index (22.19), we can say 1BAC is valued rather cheaply.
Industry RankSector Rank
PE 12.3
Fwd PE 10.78
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

4.2 Price Multiples

  • 1BAC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 26.84
EV/EBITDA N/A
1BAC.MI Per share data1BAC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1BAC's earnings are expected to grow with 13.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)0.78
EPS Next 2Y14.39%
EPS Next 3Y13.8%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1BAC.MI Dividend Analysis

5.1 Amount

  • 1BAC has a Yearly Dividend Yield of 2.32%.
  • Compared to an average industry Dividend Yield of 4.78, 1BAC's dividend is way lower than its industry peers. On top of this 86.36% of the companies listed in the same industry pay a better dividend than 1BAC!
  • Compared to an average S&P500 Dividend Yield of 1.89, 1BAC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.32%

5.2 History

  • The dividend of 1BAC is nicely growing with an annual growth rate of 7.86%!
Dividend Growth(5Y)7.86%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 32.78% of the earnings are spent on dividend by 1BAC. This is a low number and sustainable payout ratio.
  • The dividend of 1BAC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.78%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
1BAC.MI Yearly Income VS Free CF VS Dividend1BAC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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1BAC.MI Fundamentals: All Metrics, Ratios and Statistics

BANK OF AMERICA CORP

BIT:1BAC (3/16/2026, 7:00:00 PM)

40.96

+0.12 (+0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-15
Inst Owners70.87%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap293.96B
Revenue(TTM)110.28B
Net Income(TTM)29.17B
Analysts79.33
Price Target53.08 (29.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.32%
Yearly Dividend1.12
Dividend Growth(5Y)7.86%
DP32.78%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.79%
Min EPS beat(2)1.28%
Max EPS beat(2)10.3%
EPS beat(4)4
Avg EPS beat(4)5.85%
Min EPS beat(4)1.28%
Max EPS beat(4)10.3%
EPS beat(8)8
Avg EPS beat(8)5.63%
EPS beat(12)12
Avg EPS beat(12)6.09%
EPS beat(16)16
Avg EPS beat(16)5.99%
Revenue beat(2)2
Avg Revenue beat(2)1.38%
Min Revenue beat(2)1.09%
Max Revenue beat(2)1.67%
Revenue beat(4)3
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)1.67%
Revenue beat(8)6
Avg Revenue beat(8)0.45%
Revenue beat(12)7
Avg Revenue beat(12)-0.17%
Revenue beat(16)8
Avg Revenue beat(16)-0.07%
PT rev (1m)3.36%
PT rev (3m)3.17%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)3.02%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)2.71%
Valuation
Industry RankSector Rank
PE 12.3
Fwd PE 10.78
P/S 3.07
P/FCF 26.84
P/OCF 26.84
P/B 1.12
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)3.33
EY8.13%
EPS(NY)3.8
Fwd EY9.28%
FCF(TTM)1.53
FCFY3.73%
OCF(TTM)1.53
OCFY3.73%
SpS13.34
BVpS36.69
TBVpS28.34
PEG (NY)0.86
PEG (5Y)0.78
Graham Number52.43
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.45%
GM N/A
FCFM 11.44%
ROA(3y)0.8%
ROA(5y)0.85%
ROE(3y)8.91%
ROE(5y)9.51%
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-2.12%
PM growth 5Y5.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 43.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.75%
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)16.41%
EPS 3Y5.73%
EPS 5Y15.79%
EPS Q2Q%19.51%
EPS Next Y14.29%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
EPS Next 5Y12.09%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y6%
Revenue growth 5Y5.75%
Sales Q2Q%11.89%
Revenue Next Year8.13%
Revenue Next 2Y7%
Revenue Next 3Y5.76%
Revenue Next 5Y5.55%
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 1Y243.25%
FCF growth 3YN/A
FCF growth 5Y-19.79%
OCF growth 1Y243.25%
OCF growth 3YN/A
OCF growth 5Y-19.79%

BANK OF AMERICA CORP / 1BAC.MI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANK OF AMERICA CORP?

ChartMill assigns a fundamental rating of 3 / 10 to 1BAC.MI.


What is the valuation status for 1BAC stock?

ChartMill assigns a valuation rating of 4 / 10 to BANK OF AMERICA CORP (1BAC.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for BANK OF AMERICA CORP?

BANK OF AMERICA CORP (1BAC.MI) has a profitability rating of 3 / 10.


What are the PE and PB ratios of BANK OF AMERICA CORP (1BAC.MI) stock?

The Price/Earnings (PE) ratio for BANK OF AMERICA CORP (1BAC.MI) is 12.3 and the Price/Book (PB) ratio is 1.12.


How sustainable is the dividend of BANK OF AMERICA CORP (1BAC.MI) stock?

The dividend rating of BANK OF AMERICA CORP (1BAC.MI) is 6 / 10 and the dividend payout ratio is 32.78%.