BANK OF AMERICA CORP (1BAC.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1BAC - US0605051046 - Common Stock
46.565 EUR
+0.52 (+1.12%)
1BAC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. 1BAC has a bad profitability rating. Also its financial health evaluation is rather negative. 1BAC has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
1BAC had positive earnings in the past year.
In the past year 1BAC had a positive cash flow from operations.
1BAC had positive earnings in each of the past 5 years.
In multiple years 1BAC reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.83%, 1BAC is in line with its industry, outperforming 53.98% of the companies in the same industry.
1BAC has a Return On Equity (9.29%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.29% | ||
| 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
1BAC has a better Profit Margin (26.34%) than 67.26% of its industry peers.
In the last couple of years the Profit Margin of 1BAC has declined.
The Operating Margin and Gross Margin are not available for 1BAC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.34% | ||
| 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
2. Health
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.
Compared to 1 year ago, 1BAC has a worse debt to assets ratio.
2.2 Solvency
1BAC has a debt to FCF ratio of 11.51. This is a negative value and a sign of low solvency as 1BAC would need 11.51 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.51, 1BAC is in the better half of the industry, outperforming 74.34% of the companies in the same industry.
1BAC has a Debt/Equity ratio of 2.33. This is a high value indicating a heavy dependency on external financing.
1BAC has a Debt to Equity ratio (2.33) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.77% over the past year.
Measured over the past 5 years, 1BAC shows a small growth in Earnings Per Share. The EPS has been growing by 3.50% on average per year.
Looking at the last year, 1BAC shows a quite strong growth in Revenue. The Revenue has grown by 8.90% in the last year.
The Revenue has been growing slightly by 2.23% on average over the past years.
EPS 1Y (TTM)15.77%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%30.86%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
3.2 Future
The Earnings Per Share is expected to grow by 13.96% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.54% on average over the next years.
EPS Next Y17.33%
EPS Next 2Y15.65%
EPS Next 3Y15.57%
EPS Next 5Y13.96%
Revenue Next Year7.6%
Revenue Next 2Y6.89%
Revenue Next 3Y6.24%
Revenue Next 5Y5.54%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.88, which indicates a correct valuation of 1BAC.
82.30% of the companies in the same industry are cheaper than 1BAC, based on the Price/Earnings ratio.
1BAC is valuated rather cheaply when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.41 indicates a correct valuation of 1BAC.
Based on the Price/Forward Earnings ratio, 1BAC is valued a bit more expensive than the industry average as 75.22% of the companies are valued more cheaply.
1BAC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.88 | ||
| Fwd PE | 12.41 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1BAC is valued a bit cheaper than 76.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.49 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as 1BAC's earnings are expected to grow with 15.57% in the coming years.
PEG (NY)0.86
PEG (5Y)4.25
EPS Next 2Y15.65%
EPS Next 3Y15.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.05%, 1BAC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.12, 1BAC's dividend is way lower than its industry peers. On top of this 84.07% 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 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
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
33.55% of the earnings are spent on dividend by 1BAC. This is a low number and sustainable payout ratio.
1BAC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP33.55%
EPS Next 2Y15.65%
EPS Next 3Y15.57%
BIT:1BAC (12/5/2025, 7:00:00 PM)
46.565
+0.52 (+1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.82%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap340.04B
Revenue(TTM)107.26B
Net Income(TTM)28.25B
Analysts80.67
Price Target51.45 (10.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
Yearly Dividend1.04
Dividend Growth(5Y)13.83%
DP33.55%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.64%
Min EPS beat(2)2.97%
Max EPS beat(2)10.3%
EPS beat(4)4
Avg EPS beat(4)6.88%
Min EPS beat(4)2.97%
Max EPS beat(4)10.3%
EPS beat(8)8
Avg EPS beat(8)5.67%
EPS beat(12)12
Avg EPS beat(12)6.79%
EPS beat(16)16
Avg EPS beat(16)6.33%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)1.67%
Revenue beat(4)3
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)1.67%
Revenue beat(8)5
Avg Revenue beat(8)-0.67%
Revenue beat(12)6
Avg Revenue beat(12)-0.28%
Revenue beat(16)7
Avg Revenue beat(16)-0.25%
PT rev (1m)5.36%
PT rev (3m)14.03%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)2.78%
EPS NY rev (1m)0.13%
EPS NY rev (3m)4.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.5%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.88 | ||
| Fwd PE | 12.41 | ||
| P/S | 3.72 | ||
| P/FCF | 6.49 | ||
| P/OCF | 6.49 | ||
| P/B | 1.31 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.13
EY6.72%
EPS(NY)3.75
Fwd EY8.06%
FCF(TTM)7.18
FCFY15.41%
OCF(TTM)7.18
OCFY15.41%
SpS12.52
BVpS35.5
TBVpS27.45
PEG (NY)0.86
PEG (5Y)4.25
Graham Number50
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.34% | ||
| GM | N/A | ||
| FCFM | 57.31% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 217.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.2%
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)15.77%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%30.86%
EPS Next Y17.33%
EPS Next 2Y15.65%
EPS Next 3Y15.57%
EPS Next 5Y13.96%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
Revenue Next Year7.6%
Revenue Next 2Y6.89%
Revenue Next 3Y6.24%
Revenue Next 5Y5.54%
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 1Y42.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y42.11%
OCF growth 3YN/A
OCF growth 5YN/A
BANK OF AMERICA CORP / 1BAC.MI 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 of BANK OF AMERICA CORP (1BAC.MI) stock?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF AMERICA CORP (1BAC.MI). This can be considered as Fairly Valued.
What is the profitability of 1BAC stock?
BANK OF AMERICA CORP (1BAC.MI) has a profitability rating of 3 / 10.
What is the valuation of BANK OF AMERICA CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANK OF AMERICA CORP (1BAC.MI) is 14.88 and the Price/Book (PB) ratio is 1.31.
Can you provide the expected EPS growth for 1BAC stock?
The Earnings per Share (EPS) of BANK OF AMERICA CORP (1BAC.MI) is expected to grow by 17.33% in the next year.