1BAC Fundamental Analysis - BANK OF AMERICA CORP

Fundamental Rating

Taking everything into account, 1BAC scores 3 out of 10 in our fundamental rating. 1BAC was compared to 97 industry peers in the Banks industry. 1BAC has a bad profitability rating. Also its financial health evaluation is rather negative. 1BAC is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

1BAC had positive earnings in the past year.

1BAC had a negative operating cash flow in the past year.

Each year in the past 5 years 1BAC has been profitable.

The reported operating cash flow has been mixed in the past 5 years: 1BAC reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of 1BAC (0.77%) is comparable to the rest of the industry.

1BAC's Return On Equity of 8.88% is in line compared to the rest of the industry. 1BAC outperforms 45.36% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of 1BAC (25.44%) is better than 64.95% of its industry peers.

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.

1BAC has less shares outstanding than it did 1 year ago.

1BAC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for 1BAC is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.54 is on the high side and indicates that 1BAC has dependencies on debt financing.

1BAC has a Debt to Equity ratio (2.54) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.54
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.4%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

Looking at the last year, 1BAC shows a small growth in Revenue. The Revenue has grown by 6.31% in the last year.

1BAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.23% yearly.

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

The Earnings Per Share is expected to grow by 9.12% on average over the next years. This is quite good.

Based on estimates for the next years, 1BAC will show a small growth in Revenue. The Revenue will grow by 4.74% on average per year.

EPS Next Y12.57%

EPS Next 2Y14.48%

EPS Next 3Y14%

EPS Next 5Y9.12%

Revenue Next Year6.4%

Revenue Next 2Y6.19%

Revenue Next 3Y5.74%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.25 indicates a correct valuation of 1BAC.

1BAC's Price/Earnings ratio is rather expensive when compared to the industry. 1BAC is more expensive than 85.57% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.86. 1BAC is valued slightly cheaper when compared to this.

Based on the Price/Forward Earnings ratio of 12.10, the valuation of 1BAC can be described as correct.

1BAC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1BAC is more expensive than 74.23% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of 1BAC to the average of the S&P500 Index (23.29), we can say 1BAC is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	15.25
Fwd PE	12.1

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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 14.00% in the coming years.

PEG (NY)1.21

PEG (5Y)4.36

EPS Next 2Y14.48%

EPS Next 3Y14%

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5. Dividend

5.1 Amount

1BAC has a Yearly Dividend Yield of 2.21%. Purely for dividend investing, there may be better candidates out there.

With a Dividend Yield of 2.21, 1BAC pays less dividend than the industry average, which is at 5.02. 86.60% of the companies listed in the same industry pay a better dividend than 1BAC!

1BAC's Dividend Yield is comparable with the S&P500 average which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	2.21%

5.2 History

The dividend of 1BAC is nicely growing with an annual growth rate of 13.83%!

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.

1BAC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP35.8%

EPS Next 2Y14.48%

EPS Next 3Y14%

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BANK OF AMERICA CORP

BIT:1BAC (9/22/2025, 7:00:00 PM)

44.375

+1.33 (+3.08%)

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 Owners67.36%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap328.68B

Analysts80

Price Target45.12 (1.68%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.21%

Yearly Dividend1.05

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)0.52%

PT rev (3m)4.75%

EPS NQ rev (1m)-0.15%

EPS NQ rev (3m)-0.54%

EPS NY rev (1m)1.66%

EPS NY rev (3m)0.34%

Revenue NQ rev (1m)-0.23%

Revenue NQ rev (3m)-0.13%

Revenue NY rev (1m)0.17%

Revenue NY rev (3m)0.13%

Valuation

		Industry Rank	Sector Rank
PE	15.25
Fwd PE	12.1
P/S	3.7
P/FCF	N/A
P/OCF	N/A
P/B	1.29
P/tB	1.68
EV/EBITDA	N/A

EPS(TTM)2.91

EY6.56%

EPS(NY)3.67

Fwd EY8.27%

FCF(TTM)-2.6

FCFYN/A

OCF(TTM)-2.6

OCFYN/A

SpS12.01

BVpS34.41

TBVpS26.48

PEG (NY)1.21

PEG (5Y)4.36

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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

WACC11.4%

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 Y12.57%

EPS Next 2Y14.48%

EPS Next 3Y14%

EPS Next 5Y9.12%

Revenue 1Y (TTM)6.31%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%4.19%

Revenue Next Year6.4%

Revenue Next 2Y6.19%

Revenue Next 3Y5.74%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens