BANK OF AMERICA CORP (BAC) Fundamental Analysis & Valuation

NYSE:BAC • US0605051046

Current stock price

48.14 USD
+0.62 (+1.3%)
At close:
48.58 USD
+0.44 (+0.91%)
After Hours:

This BAC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BAC Profitability Analysis

1.1 Basic Checks

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

1.2 Ratios

  • The Return On Assets of BAC (0.86%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 9.62%, BAC is in line with its industry, outperforming 55.26% of the companies in the same industry.
Industry RankSector Rank
ROA 0.86%
ROE 9.62%
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
BAC Yearly ROA, ROE, ROICBAC 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

  • Looking at the Profit Margin, with a value of 26.45%, BAC is in line with its industry, outperforming 59.21% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BAC has grown nicely.
  • 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) 26.45%
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
BAC Yearly Profit, Operating, Gross MarginsBAC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. BAC Health Analysis

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
  • Compared to 5 years ago, BAC has less shares outstanding
  • Compared to 1 year ago, BAC has a worse debt to assets ratio.
BAC Yearly Shares OutstandingBAC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
BAC Yearly Total Debt VS Total AssetsBAC 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

  • BAC has a debt to FCF ratio of 56.34. This is a negative value and a sign of low solvency as BAC would need 56.34 years to pay back of all of its debts.
  • BAC's Debt to FCF ratio of 56.34 is on the low side compared to the rest of the industry. BAC is outperformed by 85.26% of its industry peers.
  • BAC has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.34, BAC is doing worse than 89.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Altman-Z N/A
ROIC/WACCN/A
WACC10.56%
BAC Yearly LT Debt VS Equity VS FCFBAC 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
BAC Yearly Current Assets VS Current LiabilitesBAC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

More info and screens

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

5

3. BAC Growth Analysis

3.1 Past

  • BAC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.41%, which is quite good.
  • BAC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.79% yearly.
  • Looking at the last year, BAC shows a small growth in Revenue. The Revenue has grown by 7.06% in the last year.
  • Measured over the past years, BAC 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

  • The Earnings Per Share is expected to grow by 12.09% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 5.55% on average over the next years.
EPS Next Y14.29%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
EPS Next 5Y12.09%
Revenue Next Year8.13%
Revenue Next 2Y7%
Revenue Next 3Y5.76%
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.
  • 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.
BAC Yearly Revenue VS EstimatesBAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B
BAC Yearly EPS VS EstimatesBAC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

More info and screens

Find the best growth stocksShow best growing peers

4

4. BAC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.57 indicates a correct valuation of BAC.
  • The rest of the industry has a similar Price/Earnings ratio as BAC.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, BAC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.00, which indicates a very decent valuation of BAC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BAC is on the same level as its industry peers.
  • BAC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 12.57
Fwd PE 11
BAC Price Earnings VS Forward Price EarningsBAC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BAC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. BAC is more expensive than 78.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.39
EV/EBITDA N/A
BAC Per share dataBAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • BAC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BAC's earnings are expected to grow with 13.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.88
PEG (5Y)0.8
EPS Next 2Y14.39%
EPS Next 3Y13.8%

More info and screens

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

7

5. BAC Dividend Analysis

5.1 Amount

  • BAC has a Yearly Dividend Yield of 2.38%.
  • BAC's Dividend Yield is slightly below the industry average, which is at 2.78.
  • BAC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.38%

5.2 History

  • On average, the dividend of BAC grows each year by 7.86%, which is quite nice.
  • BAC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BAC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.86%
Div Incr Years11
Div Non Decr Years15
BAC Yearly Dividends per shareBAC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • BAC pays out 32.78% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of BAC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.78%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
BAC Yearly Income VS Free CF VS DividendBAC 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
BAC Dividend Payout.BAC Dividend Payout, showing the Payout Ratio.BAC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BAC Fundamentals: All Metrics, Ratios and Statistics

BANK OF AMERICA CORP

NYSE:BAC (3/24/2026, 7:25:14 PM)

After market: 48.58 +0.44 (+0.91%)

48.14

+0.62 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-15
Inst Owners70.87%
Inst Owner Change0.63%
Ins Owners0.11%
Ins Owner Change0.51%
Market Cap345.49B
Revenue(TTM)110.28B
Net Income(TTM)29.17B
Analysts79.33
Price Target62.18 (29.16%)
Short Float %1.38%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 2.38%
Yearly Dividend1.29
Dividend Growth(5Y)7.86%
DP32.78%
Div Incr Years11
Div Non Decr Years15
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.79%
Min EPS beat(2)1.28%
Max EPS beat(2)10.3%
EPS beat(4)4
Avg EPS beat(4)5.85%
Min EPS beat(4)1.28%
Max EPS beat(4)10.3%
EPS beat(8)8
Avg EPS beat(8)5.63%
EPS beat(12)12
Avg EPS beat(12)6.09%
EPS beat(16)16
Avg EPS beat(16)5.99%
Revenue beat(2)2
Avg Revenue beat(2)1.38%
Min Revenue beat(2)1.09%
Max Revenue beat(2)1.67%
Revenue beat(4)3
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)1.67%
Revenue beat(8)6
Avg Revenue beat(8)0.45%
Revenue beat(12)8
Avg Revenue beat(12)-0.08%
Revenue beat(16)9
Avg Revenue beat(16)0%
PT rev (1m)0.34%
PT rev (3m)7.13%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)0.1%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)3.01%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)2.71%
Valuation
Industry RankSector Rank
PE 12.57
Fwd PE 11
P/S 3.13
P/FCF 27.39
P/OCF 27.39
P/B 1.14
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)3.83
EY7.96%
EPS(NY)4.38
Fwd EY9.09%
FCF(TTM)1.76
FCFY3.65%
OCF(TTM)1.76
OCFY3.65%
SpS15.37
BVpS42.25
TBVpS32.64
PEG (NY)0.88
PEG (5Y)0.8
Graham Number60.34
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.45%
GM N/A
FCFM 11.44%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 43.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.56%
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 Y14.29%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
EPS Next 5Y12.09%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y6%
Revenue growth 5Y5.75%
Sales Q2Q%11.89%
Revenue Next Year8.13%
Revenue Next 2Y7%
Revenue Next 3Y5.76%
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 1Y243.25%
FCF growth 3YN/A
FCF growth 5Y-19.79%
OCF growth 1Y243.25%
OCF growth 3YN/A
OCF growth 5Y-19.79%

BANK OF AMERICA CORP / BAC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BANK OF AMERICA CORP (BAC) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BAC.


What is the valuation status for BAC stock?

ChartMill assigns a valuation rating of 4 / 10 to BANK OF AMERICA CORP (BAC). This can be considered as Fairly Valued.


What is the profitability of BAC stock?

BANK OF AMERICA CORP (BAC) has a profitability rating of 3 / 10.


What is the expected EPS growth for BANK OF AMERICA CORP (BAC) stock?

The Earnings per Share (EPS) of BANK OF AMERICA CORP (BAC) is expected to grow by 14.29% in the next year.


Can you provide the dividend sustainability for BAC stock?

The dividend rating of BANK OF AMERICA CORP (BAC) is 7 / 10 and the dividend payout ratio is 32.78%.