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

BIT:1BAC • US0605051046

46.99 EUR
-0.46 (-0.98%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, 1BAC scores 3 out of 10 in our fundamental rating. 1BAC was compared to 108 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.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year 1BAC was profitable.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B

1.2 Ratios

  • With a Return On Assets value of 0.83%, 1BAC perfoms like the industry average, outperforming 49.09% of the companies in the same industry.
  • 1BAC has a Return On Equity (9.34%) which is in line with its industry peers.
Industry RankSector 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
1BAC.MI Yearly ROA, ROE, ROIC1BAC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • 1BAC has a better Profit Margin (26.20%) than 68.18% of its industry peers.
  • 1BAC's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for 1BAC so they could not be analyzed.
Industry RankSector 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
1BAC.MI Yearly Profit, Operating, Gross Margins1BAC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • Compared to 5 years ago, 1BAC has less shares outstanding
  • 1BAC has a worse debt/assets ratio than last year.
1BAC.MI Yearly Shares Outstanding1BAC.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1T 2T 3T

2.2 Solvency

  • 1BAC has a debt to FCF ratio of 11.47. This is a negative value and a sign of low solvency as 1BAC would need 11.47 years to pay back of all of its debts.
  • The Debt to FCF ratio of 1BAC (11.47) is better than 76.36% of its industry peers.
  • A Debt/Equity ratio of 2.31 is on the high side and indicates that 1BAC has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.31, 1BAC perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.31
Debt/FCF 11.47
Altman-Z N/A
ROIC/WACCN/A
WACC12.41%
1BAC.MI Yearly LT Debt VS Equity VS FCF1BAC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 16.41% over the past year.
  • The Earnings Per Share has been growing by 15.79% on average over the past years. This is quite good.
  • Looking at the last year, 1BAC shows a small growth in Revenue. The Revenue has grown by 7.06% in the last year.
  • 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 12.09% on average per year.
  • Based on estimates for the next years, 1BAC will show a small growth in Revenue. The Revenue will grow by 5.55% on average per year.
EPS Next Y14.21%
EPS Next 2Y14.36%
EPS Next 3Y13.92%
EPS Next 5Y12.09%
Revenue Next Year8.08%
Revenue Next 2Y6.99%
Revenue Next 3Y5.9%
Revenue Next 5Y5.55%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
1BAC.MI Yearly Revenue VS Estimates1BAC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B
1BAC.MI Yearly EPS VS Estimates1BAC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.41 indicates a correct valuation of 1BAC.
  • 1BAC's Price/Earnings ratio is rather expensive when compared to the industry. 1BAC is more expensive than 83.64% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, 1BAC is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 12.63, the valuation of 1BAC can be described as correct.
  • Based on the Price/Forward Earnings ratio, 1BAC is valued a bit more expensive than the industry average as 70.91% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, 1BAC is valued rather cheaply.
Industry RankSector Rank
PE 14.41
Fwd PE 12.63
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

  • 1BAC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1BAC is cheaper than 77.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.48
EV/EBITDA N/A
1BAC.MI Per share data1BAC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • 1BAC's earnings are expected to grow with 13.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.01
PEG (5Y)0.91
EPS Next 2Y14.36%
EPS Next 3Y13.92%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • 1BAC has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.37, 1BAC's dividend is way lower than its industry peers. On top of this 87.27% of the companies listed in the same industry pay a better dividend than 1BAC!
  • Compared to an average S&P500 Dividend Yield of 1.80, 1BAC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

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.
  • 1BAC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.38%
EPS Next 2Y14.36%
EPS Next 3Y13.92%
1BAC.MI Yearly Income VS Free CF VS Dividend1BAC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/10/2026, 7:00:00 PM)

46.99

-0.46 (-0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-15
Inst Owners69.83%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap338.91B
Revenue(TTM)110.28B
Net Income(TTM)28.39B
Analysts79.33
Price Target51.35 (9.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend1.04
Dividend Growth(5Y)13.83%
DP33.38%
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)1.69%
PT rev (3m)4.21%
EPS NQ rev (1m)-0.8%
EPS NQ rev (3m)-2.11%
EPS NY rev (1m)-0.58%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)1.3%
Revenue NQ rev (3m)0.99%
Revenue NY rev (1m)1.71%
Revenue NY rev (3m)2.62%
Valuation
Industry RankSector Rank
PE 14.41
Fwd PE 12.63
P/S 3.67
P/FCF 6.48
P/OCF 6.48
P/B 1.31
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)3.26
EY6.94%
EPS(NY)3.72
Fwd EY7.92%
FCF(TTM)7.25
FCFY15.43%
OCF(TTM)7.25
OCFY15.43%
SpS12.79
BVpS35.88
TBVpS27.51
PEG (NY)1.01
PEG (5Y)0.91
Graham Number51.3
Profitability
Industry RankSector Rank
ROA 0.83%
ROE 9.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.2%
GM N/A
FCFM 56.71%
ROA(3y)0.8%
ROA(5y)0.85%
ROE(3y)8.91%
ROE(5y)9.51%
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-2.12%
PM growth 5Y5.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.31
Debt/FCF 11.47
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 216.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.41%
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)16.41%
EPS 3Y5.73%
EPS 5Y15.79%
EPS Q2Q%19.51%
EPS Next Y14.21%
EPS Next 2Y14.36%
EPS Next 3Y13.92%
EPS Next 5Y12.09%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y6%
Revenue growth 5Y5.75%
Sales Q2Q%11.89%
Revenue Next Year8.08%
Revenue Next 2Y6.99%
Revenue Next 3Y5.9%
Revenue Next 5Y5.55%
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 1Y3181.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3181.3%
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 for 1BAC stock?

ChartMill assigns a valuation rating of 4 / 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 14.41 and the Price/Book (PB) ratio is 1.31.


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%.