BAC Fundamental Analysis - BANK OF AMERICA CORP

Fundamental Rating

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. While showing a medium growth rate, BAC is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year BAC was profitable.

In the past year BAC had a positive cash flow from operations.

In the past 5 years BAC has always been profitable.

In multiple years BAC reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.79%, BAC is in line with its industry, outperforming 45.71% of the companies in the same industry.

BAC has a Return On Equity (8.91%) which is comparable to the rest of the industry.

		Industry Rank	Sector 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

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BAC has been reduced compared to 1 year ago.

Compared to 5 years ago, BAC has less shares outstanding

BAC has a worse debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 158.30, BAC is doing worse than 88.38% of the companies in the same industry.

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 Rank	Sector Rank
Debt/Equity	2.38
Debt/FCF	158.3
Altman-Z	N/A

ROIC/WACCN/A

WACC11.75%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%4.19%

3.2 Future

The Earnings Per Share is expected to grow by 6.91% on average over the next years.

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

The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.17, which indicates a correct valuation of BAC.

Based on the Price/Earnings ratio, BAC is valued a bit more expensive than 62.88% of the companies in the same industry.

When comparing the Price/Earnings ratio of BAC to the average of the S&P500 Index (28.04), we can say BAC is valued slightly cheaper.

The Price/Forward Earnings ratio is 11.34, which indicates a very decent valuation of BAC.

The rest of the industry has a similar Price/Forward Earnings ratio as BAC.

BAC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.

		Industry Rank	Sector Rank
PE	14.17
Fwd PE	11.34

4.2 Price Multiples

BAC's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BAC is more expensive than 84.85% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	79.19
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

BAC's earnings are expected to grow with 12.96% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.32

PEG (5Y)4.05

EPS Next 2Y13.95%

EPS Next 3Y12.96%

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5. Dividend

5.1 Amount

BAC has a Yearly Dividend Yield of 2.33%.

BAC's Dividend Yield is slightly below the industry average, which is at 3.27.

BAC's Dividend Yield is comparable with the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	2.33%

5.2 History

The dividend of BAC is nicely growing with an annual growth rate of 13.83%!

BAC has been paying a dividend for at least 10 years, so it has a reliable track record.

BAC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)13.83%

Div Incr Years11

Div Non Decr Years15

5.3 Sustainability

36.19% of the earnings are spent on dividend by BAC. This is a low number and 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%

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BANK OF AMERICA CORP

NYSE:BAC (7/25/2025, 10:07:13 PM)

After market: 48.45 0 (0%)

48.45

+0.06 (+0.12%)

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 Cap360.31B

Analysts79.31

Price Target51.98 (7.29%)

Short Float %1.27%

Short Ratio2.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.33%

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 Rank	Sector Rank
PE	14.17
Fwd PE	11.34
P/S	3.48
P/FCF	79.19
P/OCF	79.19
P/B	1.22
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)3.42

EY7.06%

EPS(NY)4.27

Fwd EY8.82%

FCF(TTM)0.61

FCFY1.26%

OCF(TTM)0.61

OCFY1.26%

SpS13.91

BVpS39.75

TBVpS30.21

PEG (NY)1.32

PEG (5Y)4.05

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC11.75%

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%4.19%

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

BANK OF AMERICA CORP (BAC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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