BANK OF AMERICA CORP (1BAC.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1BAC • US0605051046
43.45 EUR
-0.24 (-0.55%)
Last: Jan 27, 2026, 07:00 PM
Taking everything into account, 1BAC scores 3 out of 10 in our fundamental rating. 1BAC was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of 1BAC have multiple concerns. 1BAC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- 1BAC had positive earnings in the past year.
- 1BAC had a positive operating cash flow in the past year.
- 1BAC had positive earnings in each of the past 5 years.
- 1BAC had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- 1BAC has a Return On Assets (0.83%) which is in line with its industry peers.
- 1BAC has a Return On Equity of 9.34%. This is comparable to the rest of the industry: 1BAC outperforms 43.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.34% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 26.20%, 1BAC is in the better half of the industry, outperforming 69.30% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.2% | ||
| 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
2. Health
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.
- Compared to 1 year ago, 1BAC has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of 1BAC is 11.47, which is on the high side as it means it would take 1BAC, 11.47 years of fcf income to pay off all of its debts.
- 1BAC's Debt to FCF ratio of 11.47 is fine compared to the rest of the industry. 1BAC outperforms 77.19% of its industry peers.
- 1BAC has a Debt/Equity ratio of 2.31. This is a high value indicating a heavy dependency on external financing.
- 1BAC has a Debt to Equity ratio (2.31) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.31 | ||
| Debt/FCF | 11.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
- The Earnings Per Share has been growing by 15.79% on average over the past years. This is quite good.
- 1BAC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.06%.
- Measured over the past years, 1BAC shows a small growth in Revenue. The Revenue has been growing by 5.75% on average per year.
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
- Based on estimates for the next years, 1BAC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.94% on average per year.
- The Revenue is expected to grow by 4.75% on average over the next years.
EPS Next Y14.16%
EPS Next 2Y14.45%
EPS Next 3Y13.98%
EPS Next 5Y9.94%
Revenue Next Year8.09%
Revenue Next 2Y7.03%
Revenue Next 3Y5.9%
Revenue Next 5Y4.75%
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 decreasing.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.58, 1BAC is valued correctly.
- Based on the Price/Earnings ratio, 1BAC is valued a bit more expensive than 79.82% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.30. 1BAC is valued rather cheaply when compared to this.
- 1BAC is valuated reasonably with a Price/Forward Earnings ratio of 11.89.
- Based on the Price/Forward Earnings ratio, 1BAC is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
- 1BAC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.58 | ||
| Fwd PE | 11.89 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, 1BAC is valued cheaper than 82.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.18 | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as 1BAC's earnings are expected to grow with 13.98% in the coming years.
PEG (NY)0.96
PEG (5Y)0.86
EPS Next 2Y14.45%
EPS Next 3Y13.98%
5. Dividend
5.1 Amount
- 1BAC has a Yearly Dividend Yield of 2.14%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 3.93, 1BAC is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, 1BAC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
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 33.38% 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.
DP33.38%
EPS Next 2Y14.45%
EPS Next 3Y13.98%
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 for 1BAC stock?
ChartMill assigns a valuation rating of 5 / 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 13.58 and the Price/Book (PB) ratio is 1.25.
How sustainable is the dividend of BANK OF AMERICA CORP (1BAC.MI) stock?
The dividend rating of BANK OF AMERICA CORP (1BAC.MI) is 4 / 10 and the dividend payout ratio is 33.38%.