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

BIT:1BAC - Euronext Milan - US0605051046 - Common Stock - Currency: EUR

34.865  +0.38 (+1.1%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to 1BAC. 1BAC was compared to 95 industry peers in the Banks industry. 1BAC has a bad profitability rating. Also its financial health evaluation is rather negative. 1BAC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

1BAC had positive earnings in the past year.
In the past year 1BAC has reported a negative cash flow from operations.
In the past 5 years 1BAC has always been profitable.
In multiple years 1BAC reported negative operating cash flow during the last 5 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.19%, 1BAC is doing worse than 86.32% of the companies in the same industry.
The Return On Equity of 1BAC (2.08%) is worse than 86.32% of its industry peers.
Industry RankSector Rank
ROA 0.19%
ROE 2.08%
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
1BAC.MI Yearly ROA, ROE, ROIC1BAC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of 1BAC (6.03%) is worse than 86.32% 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 RankSector Rank
OM N/A
PM (TTM) 6.03%
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
1BAC.MI Yearly Profit, Operating, Gross Margins1BAC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

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.
1BAC has a worse debt/assets ratio than last year.
1BAC.MI Yearly Shares Outstanding1BAC.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T

2.2 Solvency

1BAC has a Debt/Equity ratio of 2.14. This is a high value indicating a heavy dependency on external financing.
1BAC has a Debt to Equity ratio (2.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.37%
1BAC.MI Yearly LT Debt VS Equity VS FCF1BAC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

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4

3. Growth

3.1 Past

1BAC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.51%.
1BAC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.50% yearly.
Looking at the last year, 1BAC shows a small growth in Revenue. The Revenue has grown by 5.39% in the last year.
Measured over the past years, 1BAC shows a small growth in Revenue. The Revenue has been growing by 2.23% on average per year.
EPS 1Y (TTM)1.51%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%8.43%
Revenue 1Y (TTM)5.39%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%5.91%

3.2 Future

1BAC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.91% yearly.
Based on estimates for the next years, 1BAC will show a small growth in Revenue. The Revenue will grow by 3.75% on average per year.
EPS Next Y11.9%
EPS Next 2Y14.26%
EPS Next 3Y12.9%
EPS Next 5Y6.91%
Revenue Next Year6.17%
Revenue Next 2Y5.8%
Revenue Next 3Y5.1%
Revenue Next 5Y3.75%

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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1BAC.MI Yearly Revenue VS Estimates1BAC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B 100B
1BAC.MI Yearly EPS VS Estimates1BAC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.78 indicates a reasonable valuation of 1BAC.
78.95% of the companies in the same industry are cheaper than 1BAC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.10, 1BAC is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.21, the valuation of 1BAC can be described as very reasonable.
1BAC's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 20.74. 1BAC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.78
Fwd PE 9.21
1BAC.MI Price Earnings VS Forward Price Earnings1BAC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BAC.MI Per share data1BAC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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 12.90% in the coming years.
PEG (NY)0.99
PEG (5Y)3.36
EPS Next 2Y14.26%
EPS Next 3Y12.9%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.59%, 1BAC has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.59, 1BAC pays less dividend than the industry average, which is at 5.30. 88.42% 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 2.43.
Industry RankSector Rank
Dividend Yield 2.59%

5.2 History

On average, the dividend of 1BAC grows each year by 13.83%, which is quite nice.
Dividend Growth(5Y)13.83%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

154.72% of the earnings are spent on dividend by 1BAC. This is not a sustainable payout ratio.
1BAC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP154.72%
EPS Next 2Y14.26%
EPS Next 3Y12.9%
1BAC.MI Yearly Income VS Free CF VS Dividend1BAC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B
1BAC.MI Dividend Payout.1BAC.MI Dividend Payout, showing the Payout Ratio.1BAC.MI Dividend Payout.PayoutRetained Earnings

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BANK OF AMERICA CORP

BIT:1BAC (4/28/2025, 7:00:00 PM)

34.865

+0.38 (+1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/bmo
Earnings (Next)07-16 2025-07-16/bmo
Inst Owners65.89%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap263.58B
Analysts82.07
Price Target41.22 (18.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.59%
Yearly Dividend1.08
Dividend Growth(5Y)13.83%
DP154.72%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.94%
Min EPS beat(2)4.48%
Max EPS beat(2)5.4%
EPS beat(4)4
Avg EPS beat(4)5.41%
Min EPS beat(4)3.15%
Max EPS beat(4)8.61%
EPS beat(8)8
Avg EPS beat(8)6.22%
EPS beat(12)12
Avg EPS beat(12)6.04%
EPS beat(16)16
Avg EPS beat(16)8.13%
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-0.19%
Max Revenue beat(2)0.23%
Revenue beat(4)3
Avg Revenue beat(4)0.33%
Min Revenue beat(4)-0.19%
Max Revenue beat(4)1.01%
Revenue beat(8)4
Avg Revenue beat(8)-0.55%
Revenue beat(12)5
Avg Revenue beat(12)-0.28%
Revenue beat(16)7
Avg Revenue beat(16)-0.13%
PT rev (1m)-17.11%
PT rev (3m)-15.37%
EPS NQ rev (1m)0.94%
EPS NQ rev (3m)-0.32%
EPS NY rev (1m)-1.24%
EPS NY rev (3m)-1.21%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 11.78
Fwd PE 9.21
P/S 2.93
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)2.96
EY8.49%
EPS(NY)3.79
Fwd EY10.86%
FCF(TTM)-1.03
FCFYN/A
OCF(TTM)-1.03
OCFYN/A
SpS11.88
BVpS34.47
TBVpS26.18
PEG (NY)0.99
PEG (5Y)3.36
Profitability
Industry RankSector Rank
ROA 0.19%
ROE 2.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.03%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.14
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-Score6
WACC11.37%
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)1.51%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%8.43%
EPS Next Y11.9%
EPS Next 2Y14.26%
EPS Next 3Y12.9%
EPS Next 5Y6.91%
Revenue 1Y (TTM)5.39%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%5.91%
Revenue Next Year6.17%
Revenue Next 2Y5.8%
Revenue Next 3Y5.1%
Revenue Next 5Y3.75%
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-119.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-119.57%
OCF growth 3YN/A
OCF growth 5YN/A