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BANK OF AMERICA CORP (BAC) Stock Fundamental Analysis

NYSE:BAC - New York Stock Exchange, Inc. - US0605051046 - Common Stock - Currency: USD

47.48  +0.16 (+0.34%)

Premarket: 47.48 0 (0%)

Fundamental Rating

3

Overall BAC gets a fundamental rating of 3 out of 10. We evaluated BAC against 396 industry peers in the Banks industry. Both the profitability and financial health of BAC have multiple concerns. BAC is not valued too expensively and it also shows a decent growth rate. BAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BAC had positive earnings in the past year.
BAC had a positive operating cash flow in the past year.
In the past 5 years BAC has always been profitable.
In multiple years BAC reported negative operating cash flow during the last 5 years.
BAC Yearly Net Income VS EBIT VS OCF VS FCFBAC 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

BAC's Return On Assets of 0.79% is in line compared to the rest of the industry. BAC outperforms 45.71% of its industry peers.
BAC has a Return On Equity (8.91%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.79%
ROE 8.91%
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
BAC Yearly ROA, ROE, ROICBAC 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

Looking at the Profit Margin, with a value of 25.48%, BAC is in the better half of the industry, outperforming 62.12% of the companies in the same industry.
BAC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BAC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.48%
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
BAC Yearly Profit, Operating, Gross MarginsBAC 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

BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BAC has less shares outstanding
BAC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BAC has a worse debt to assets ratio.
BAC Yearly Shares OutstandingBAC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
BAC Yearly Total Debt VS Total AssetsBAC 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

The Debt to FCF ratio of BAC is 158.30, which is on the high side as it means it would take BAC, 158.30 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BAC (158.30) is worse than 88.64% of its industry peers.
A Debt/Equity ratio of 2.38 is on the high side and indicates that BAC has dependencies on debt financing.
The Debt to Equity ratio of BAC (2.38) is worse than 91.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.38
Debt/FCF 158.3
Altman-Z N/A
ROIC/WACCN/A
WACC11.77%
BAC Yearly LT Debt VS Equity VS FCFBAC 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
BAC Yearly Current Assets VS Current LiabilitesBAC 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

The Earnings Per Share has been growing slightly by 4.91% over the past year.
Measured over the past 5 years, BAC shows a small growth in Earnings Per Share. The EPS has been growing by 3.50% on average per year.
BAC shows a small growth in Revenue. In the last year, the Revenue has grown by 6.31%.
The Revenue has been growing slightly by 2.23% on average over the past years.
EPS 1Y (TTM)4.91%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%7.23%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%3.63%

3.2 Future

Based on estimates for the next years, BAC will show a small growth in Earnings Per Share. The EPS will grow by 6.91% on average per year.
The Revenue is expected to grow by 3.75% on average over the next years.
EPS Next Y10.73%
EPS Next 2Y13.95%
EPS Next 3Y12.96%
EPS Next 5Y6.91%
Revenue Next Year6.22%
Revenue Next 2Y5.98%
Revenue Next 3Y5.4%
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.
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.
BAC Yearly Revenue VS EstimatesBAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B 100B
BAC Yearly EPS VS EstimatesBAC 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

BAC is valuated correctly with a Price/Earnings ratio of 13.88.
The rest of the industry has a similar Price/Earnings ratio as BAC.
BAC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.46.
The Price/Forward Earnings ratio is 11.11, which indicates a very decent valuation of BAC.
BAC's Price/Forward Earnings is on the same level as the industry average.
BAC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.44.
Industry RankSector Rank
PE 13.88
Fwd PE 11.11
BAC Price Earnings VS Forward Price EarningsBAC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BAC indicates a rather expensive valuation: BAC more expensive than 85.10% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 77.6
EV/EBITDA N/A
BAC Per share dataBAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

BAC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as BAC's earnings are expected to grow with 12.96% in the coming years.
PEG (NY)1.29
PEG (5Y)3.97
EPS Next 2Y13.95%
EPS Next 3Y12.96%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.14%, BAC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.29, BAC pays a better dividend. On top of this BAC pays more dividend than 92.68% of the companies listed in the same industry.
BAC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 6.14%

5.2 History

On average, the dividend of BAC grows each year by 13.83%, which is quite nice.
BAC has paid a dividend for at least 10 years, which is a reliable track record.
BAC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.83%
Div Incr Years11
Div Non Decr Years15
BAC Yearly Dividends per shareBAC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

BAC pays out 36.19% of its income as dividend. This is a sustainable payout ratio.
BAC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.19%
EPS Next 2Y13.95%
EPS Next 3Y12.96%
BAC Yearly Income VS Free CF VS DividendBAC 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
BAC Dividend Payout.BAC Dividend Payout, showing the Payout Ratio.BAC Dividend Payout.PayoutRetained Earnings

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BANK OF AMERICA CORP

NYSE:BAC (7/21/2025, 8:04:00 PM)

Premarket: 47.48 0 (0%)

47.48

+0.16 (+0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16/bmo
Earnings (Next)10-15 2025-10-15/bmo
Inst Owners66.49%
Inst Owner Change-0.06%
Ins Owners0.12%
Ins Owner Change0.74%
Market Cap353.09B
Analysts79.31
Price Target51.98 (9.48%)
Short Float %1.27%
Short Ratio2.19
Dividend
Industry RankSector Rank
Dividend Yield 6.14%
Yearly Dividend1.23
Dividend Growth(5Y)13.83%
DP36.19%
Div Incr Years11
Div Non Decr Years15
Ex-Date06-06 2025-06-06 (0.26)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.12%
Min EPS beat(2)5.4%
Max EPS beat(2)8.83%
EPS beat(4)4
Avg EPS beat(4)5.47%
Min EPS beat(4)3.15%
Max EPS beat(4)8.83%
EPS beat(8)8
Avg EPS beat(8)5.58%
EPS beat(12)12
Avg EPS beat(12)6.29%
EPS beat(16)16
Avg EPS beat(16)6.84%
Revenue beat(2)2
Avg Revenue beat(2)0.57%
Min Revenue beat(2)0.23%
Max Revenue beat(2)0.92%
Revenue beat(4)3
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-0.19%
Max Revenue beat(4)0.92%
Revenue beat(8)5
Avg Revenue beat(8)-0.72%
Revenue beat(12)7
Avg Revenue beat(12)-0.04%
Revenue beat(16)8
Avg Revenue beat(16)-0.14%
PT rev (1m)6.16%
PT rev (3m)0.3%
EPS NQ rev (1m)-4.33%
EPS NQ rev (3m)-4.37%
EPS NY rev (1m)-1.3%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)-0.45%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.24%
Valuation
Industry RankSector Rank
PE 13.88
Fwd PE 11.11
P/S 3.41
P/FCF 77.6
P/OCF 77.6
P/B 1.19
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)3.42
EY7.2%
EPS(NY)4.27
Fwd EY9%
FCF(TTM)0.61
FCFY1.29%
OCF(TTM)0.61
OCFY1.29%
SpS13.91
BVpS39.75
TBVpS30.21
PEG (NY)1.29
PEG (5Y)3.97
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 8.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.48%
GM N/A
FCFM 4.4%
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 2.38
Debt/FCF 158.3
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 17.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC11.77%
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)4.91%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%7.23%
EPS Next Y10.73%
EPS Next 2Y13.95%
EPS Next 3Y12.96%
EPS Next 5Y6.91%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%3.63%
Revenue Next Year6.22%
Revenue Next 2Y5.98%
Revenue Next 3Y5.4%
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-83.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.63%
OCF growth 3YN/A
OCF growth 5YN/A