BANK OF AMERICA CORP (BAC) Fundamental Analysis & Valuation

NYSE:BAC • US0605051046

Current stock price

47.01 USD
+0.18 (+0.38%)
At close:
47.1 USD
+0.09 (+0.19%)
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.
  • In the past year BAC had a positive cash flow from operations.
  • Each year in the past 5 years BAC has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: BAC reported negative operating cash flow in multiple 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

  • Looking at the Return On Assets, with a value of 0.86%, BAC is in line with its industry, outperforming 41.21% of the companies in the same industry.
  • The Return On Equity of BAC (9.62%) is comparable to the rest of the 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

  • BAC's Profit Margin of 26.45% is fine compared to the rest of the industry. BAC outperforms 60.89% of its industry peers.
  • BAC's Profit Margin has improved in the last couple of years.
  • BAC 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) 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

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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.
  • The number of shares outstanding for BAC has been reduced compared to 1 year ago.
  • The number of shares outstanding for BAC has been reduced compared to 5 years ago.
  • BAC has a worse debt/assets ratio than last year.
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

  • The Debt to FCF ratio of BAC is 56.34, which is on the high side as it means it would take BAC, 56.34 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BAC (56.34) is worse than 85.04% of its industry peers.
  • A Debt/Equity ratio of 2.34 is on the high side and indicates that BAC has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.34, BAC is not doing good in the industry: 89.50% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Altman-Z N/A
ROIC/WACCN/A
WACC10.58%
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

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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.
  • 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, 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

  • BAC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.09% yearly.
  • 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 Year8.08%
Revenue Next 2Y6.96%
Revenue Next 3Y5.76%
Revenue Next 5Y5.55%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
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

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4

4. BAC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.27, the valuation of BAC can be described as correct.
  • The rest of the industry has a similar Price/Earnings ratio as BAC.
  • Compared to an average S&P500 Price/Earnings ratio of 25.79, BAC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.74, the valuation of BAC can be described as very reasonable.
  • BAC's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, BAC is valued rather cheaply.
Industry RankSector Rank
PE 12.27
Fwd PE 10.74
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 79.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 26.75
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.
  • A more expensive valuation may be justified as BAC's earnings are expected to grow with 13.80% in the coming years.
PEG (NY)0.86
PEG (5Y)0.78
EPS Next 2Y14.39%
EPS Next 3Y13.8%

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

9

5. BAC Dividend Analysis

5.1 Amount

  • BAC has a Yearly Dividend Yield of 6.17%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.90, BAC pays a better dividend. On top of this BAC pays more dividend than 93.18% 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 1.91.
Industry RankSector Rank
Dividend Yield 6.17%

5.2 History

  • The dividend of BAC is nicely growing with an annual growth rate of 7.86%!
  • 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)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

  • 32.78% of the earnings are spent on dividend by BAC. This is a low number and 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

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BAC Fundamentals: All Metrics, Ratios and Statistics

BANK OF AMERICA CORP

NYSE:BAC (3/19/2026, 6:22:53 PM)

After market: 47.1 +0.09 (+0.19%)

47.01

+0.18 (+0.38%)

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 Cap337.38B
Revenue(TTM)110.28B
Net Income(TTM)29.17B
Analysts79.33
Price Target62.18 (32.27%)
Short Float %1.38%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 6.17%
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%
EPS NQ rev (3m)-0.99%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)2.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.65%
Valuation
Industry RankSector Rank
PE 12.27
Fwd PE 10.74
P/S 3.06
P/FCF 26.75
P/OCF 26.75
P/B 1.11
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.83
EY8.15%
EPS(NY)4.38
Fwd EY9.31%
FCF(TTM)1.76
FCFY3.74%
OCF(TTM)1.76
OCFY3.74%
SpS15.37
BVpS42.25
TBVpS32.64
PEG (NY)0.86
PEG (5Y)0.78
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
WACC10.58%
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 Year8.08%
Revenue Next 2Y6.96%
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 9 / 10 and the dividend payout ratio is 32.78%.