BANK OF AMERICA CORP (1BAC.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1BAC - US0605051046 - Common Stock
45.36 EUR
+1.59 (+3.64%)
We assign a fundamental rating of 4 out of 10 to 1BAC. 1BAC was compared to 103 industry peers in the Banks industry. 1BAC may be in some trouble as it scores bad on both profitability and health. 1BAC is not valued too expensively and it also shows a decent growth rate. 1BAC also has an excellent dividend rating.
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.
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 (0.83%) is comparable to the rest of the industry.
The Return On Equity of 1BAC (9.29%) is comparable to the rest of the industry.
| 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's Profit Margin of 26.34% is fine compared to the rest of the industry. 1BAC outperforms 67.71% of its industry peers.
1BAC's Profit Margin has declined 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 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.
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
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 77.08% of the companies in the same industry.
A Debt/Equity ratio of 2.33 is on the high side and indicates that 1BAC has dependencies on debt financing.
1BAC has a Debt to Equity ratio of 2.33. This is comparable to the rest of the industry: 1BAC outperforms 44.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.14%
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.
The Earnings Per Share has been growing slightly by 3.50% on average over the past years.
The Revenue has grown by 8.90% in the past year. This is quite good.
1BAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.23% yearly.
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 11.64% on average over the next years. This is quite good.
1BAC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.94% yearly.
EPS Next Y17.18%
EPS Next 2Y15.58%
EPS Next 3Y15.27%
EPS Next 5Y11.64%
Revenue Next Year7.64%
Revenue Next 2Y6.91%
Revenue Next 3Y6.18%
Revenue Next 5Y4.94%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.40, the valuation of 1BAC can be described as correct.
Based on the Price/Earnings ratio, 1BAC is valued expensively inside the industry as 84.38% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of 1BAC to the average of the S&P500 Index (25.45), we can say 1BAC is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 12.02, the valuation of 1BAC can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1BAC indicates a slightly more expensive valuation: 1BAC is more expensive than 75.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of 1BAC to the average of the S&P500 Index (34.46), we can say 1BAC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.4 | ||
| Fwd PE | 12.02 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1BAC is valued a bit cheaper than 76.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.3 | ||
| 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.
1BAC's earnings are expected to grow with 15.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)4.11
EPS Next 2Y15.58%
EPS Next 3Y15.27%
5. Dividend
5.1 Amount
1BAC has a Yearly Dividend Yield of 6.01%, 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 2.42, 1BAC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
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 33.55% 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.
DP33.55%
EPS Next 2Y15.58%
EPS Next 3Y15.27%
BIT:1BAC (11/19/2025, 7:00:00 PM)
45.36
+1.59 (+3.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.04%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap332.46B
Revenue(TTM)107.26B
Net Income(TTM)28.25B
Analysts80.67
Price Target49.28 (8.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
Yearly Dividend1.05
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)6.49%
PT rev (3m)9.79%
EPS NQ rev (1m)2.77%
EPS NQ rev (3m)3.18%
EPS NY rev (1m)4%
EPS NY rev (3m)5.83%
Revenue NQ rev (1m)1.43%
Revenue NQ rev (3m)1.54%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.4 | ||
| Fwd PE | 12.02 | ||
| P/S | 3.61 | ||
| P/FCF | 6.3 | ||
| P/OCF | 6.3 | ||
| P/B | 1.27 | ||
| P/tB | 1.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.15
EY6.94%
EPS(NY)3.77
Fwd EY8.32%
FCF(TTM)7.2
FCFY15.87%
OCF(TTM)7.2
OCFY15.87%
SpS12.56
BVpS35.63
TBVpS27.54
PEG (NY)0.84
PEG (5Y)4.11
Graham Number50.25
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
WACC11.14%
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 Y17.18%
EPS Next 2Y15.58%
EPS Next 3Y15.27%
EPS Next 5Y11.64%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
Revenue Next Year7.64%
Revenue Next 2Y6.91%
Revenue Next 3Y6.18%
Revenue Next 5Y4.94%
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 3 / 10 to BANK OF AMERICA CORP (1BAC.MI). This can be considered as Overvalued.
What is the profitability of 1BAC stock?
BANK OF AMERICA CORP (1BAC.MI) has a profitability rating of 2 / 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 14.4 and the Price/Book (PB) ratio is 1.27.
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 17.18% in the next year.