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.
  • In the past 5 years 1BAC has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: 1BAC reported negative operating cash flow in multiple 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.
  • With a Return On Equity value of 9.62%, 1BAC perfoms like the industry average, outperforming 47.27% of the companies in the same 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.
  • In the last couple of years the Profit Margin of 1BAC has grown nicely.
  • The Operating Margin and Gross Margin are not available for 1BAC so they could not be analyzed.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for 1BAC has been reduced compared to 1 year ago.
  • The number of shares outstanding for 1BAC has been reduced compared to 5 years ago.
  • 1BAC has a worse debt/assets ratio than last year.
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 has a Debt to FCF ratio (56.34) which is in line with its industry peers.
  • 1BAC has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
  • 1BAC has a Debt to Equity ratio of 2.34. This is in the lower half of the industry: 1BAC underperforms 60.00% of its industry peers.
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • 1BAC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.79% yearly.
  • Looking at the last year, 1BAC shows a small growth in Revenue. The Revenue has grown by 7.06% in the last year.
  • 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

  • 1BAC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.09% yearly.
  • Based on estimates for the next years, 1BAC will show a small growth in Revenue. The Revenue will grow by 5.55% on average per year.
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. 1BAC.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.30, 1BAC is valued correctly.
  • 1BAC's Price/Earnings ratio is a bit more expensive when compared to the industry. 1BAC is more expensive than 74.55% of the companies in the same industry.
  • 1BAC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.89.
  • Based on the Price/Forward Earnings ratio of 10.78, the valuation of 1BAC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1BAC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of 1BAC to the average of the S&P500 Index (38.50), 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 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1BAC is on the same level as its industry peers.
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

  • 1BAC's 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%

More info and screens

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%.
  • With a Dividend Yield of 2.32, 1BAC pays less dividend than the industry average, which is at 4.47. 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 1.82, 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

More info and screens

Find the best dividend stocksShow peers with best dividend

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 Number52.4297 (28%)
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.


Can you provide the valuation status for BANK OF AMERICA CORP?

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


How profitable is BANK OF AMERICA CORP (1BAC.MI) stock?

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


What is the earnings growth outlook for BANK OF AMERICA CORP?

The Earnings per Share (EPS) of BANK OF AMERICA CORP (1BAC.MI) is expected to grow by 14.29% in the next year.


Is the dividend of BANK OF AMERICA CORP sustainable?

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