BAC Fundamental Analysis - BANK OF AMERICA CORP

Fundamental Rating

BAC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. BAC may be in some trouble as it scores bad on both profitability and health. BAC is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BAC was profitable.

In the past year BAC has reported a negative 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 0.77%, BAC is in line with its industry, outperforming 45.04% of the companies in the same industry.

Looking at the Return On Equity, with a value of 8.88%, BAC is in line with its industry, outperforming 54.96% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.77%
ROE	8.88%
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

BAC has a better Profit Margin (25.44%) than 62.09% of its industry peers.

In the last couple of years the Profit Margin of BAC has declined.

BAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.44%
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.

BAC has less shares outstanding than it did 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.

2.2 Solvency

A Debt/Equity ratio of 2.54 is on the high side and indicates that BAC has dependencies on debt financing.

The Debt to Equity ratio of BAC (2.54) is worse than 90.84% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.54
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.66%

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

BAC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.91%.

BAC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.50% yearly.

Looking at the last year, BAC shows a small growth in Revenue. The Revenue has grown by 6.31% in the last year.

BAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.23% yearly.

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 9.12% on average over the next years. This is quite good.

The Revenue is expected to grow by 4.74% on average over the next years.

EPS Next Y10.73%

EPS Next 2Y13.95%

EPS Next 3Y12.96%

EPS Next 5Y9.12%

Revenue Next Year6.47%

Revenue Next 2Y6.15%

Revenue Next 3Y5.84%

Revenue Next 5Y4.74%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.01 indicates a correct valuation of BAC.

BAC's Price/Earnings ratio is a bit more expensive when compared to the industry. BAC is more expensive than 61.32% of the companies in the same industry.

When comparing the Price/Earnings ratio of BAC to the average of the S&P500 Index (26.82), we can say BAC is valued slightly cheaper.

Based on the Price/Forward Earnings ratio of 11.22, the valuation of BAC can be described as reasonable.

BAC's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of BAC to the average of the S&P500 Index (35.24), we can say BAC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.01
Fwd PE	11.22

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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)1.31

PEG (5Y)4

EPS Next 2Y13.95%

EPS Next 3Y12.96%

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5. Dividend

5.1 Amount

BAC has a Yearly Dividend Yield of 2.35%.

Compared to an average industry Dividend Yield of 3.41, BAC is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.36, BAC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.35%

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

5.3 Sustainability

35.80% 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 the earnings are growing slower. This means the dividend growth is not sustainable.

DP35.8%

EPS Next 2Y13.95%

EPS Next 3Y12.96%

More info and screens

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BANK OF AMERICA CORP

NYSE:BAC (8/18/2025, 6:51:20 PM)

After market: 47.9301 +0.01 (+0.02%)

47.92

+0.98 (+2.09%)

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 Owners67.36%

Inst Owner Change-2.86%

Ins Owners0.12%

Ins Owner Change-0.25%

Market Cap356.37B

Analysts79.29

Price Target52.59 (9.75%)

Short Float %1.29%

Short Ratio2.15

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.35%

Yearly Dividend1.23

Dividend Growth(5Y)13.83%

DP35.8%

Div Incr Years11

Div Non Decr Years15

Ex-Date09-05 2025-09-05 (0.28)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.9%

Min EPS beat(2)2.97%

Max EPS beat(2)8.83%

EPS beat(4)4

Avg EPS beat(4)5.42%

Min EPS beat(4)2.97%

Max EPS beat(4)8.83%

EPS beat(8)8

Avg EPS beat(8)5.5%

EPS beat(12)12

Avg EPS beat(12)6.25%

EPS beat(16)16

Avg EPS beat(16)6.85%

Revenue beat(2)1

Avg Revenue beat(2)-0.25%

Min Revenue beat(2)-1.41%

Max Revenue beat(2)0.92%

Revenue beat(4)2

Avg Revenue beat(4)-0.11%

Min Revenue beat(4)-1.41%

Max Revenue beat(4)0.92%

Revenue beat(8)4

Avg Revenue beat(8)-0.91%

Revenue beat(12)7

Avg Revenue beat(12)-0.08%

Revenue beat(16)8

Avg Revenue beat(16)-0.06%

PT rev (1m)1.18%

PT rev (3m)8.6%

EPS NQ rev (1m)-0.22%

EPS NQ rev (3m)-4.19%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.31%

Revenue NQ rev (1m)-0.1%

Revenue NQ rev (3m)-0.96%

Revenue NY rev (1m)0.24%

Revenue NY rev (3m)0.18%

Valuation

		Industry Rank	Sector Rank
PE	14.01
Fwd PE	11.22
P/S	3.41
P/FCF	N/A
P/OCF	N/A
P/B	1.19
P/tB	1.55
EV/EBITDA	N/A

EPS(TTM)3.42

EY7.14%

EPS(NY)4.27

Fwd EY8.92%

FCF(TTM)-3.05

FCFYN/A

OCF(TTM)-3.05

OCFYN/A

SpS14.05

BVpS40.29

TBVpS31.01

PEG (NY)1.31

PEG (5Y)4

Profitability

		Industry Rank	Sector Rank
ROA	0.77%
ROE	8.88%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.44%
GM	N/A
FCFM	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

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.54
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC11.66%

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 5Y9.12%

Revenue 1Y (TTM)6.31%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%4.19%

Revenue Next Year6.47%

Revenue Next 2Y6.15%

Revenue Next 3Y5.84%

Revenue Next 5Y4.74%

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-150.8%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-150.8%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens