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BANK OF AMERICA CORP (BAC) Stock Fundamental Analysis

NYSE:BAC - US0605051046 - Common Stock

50.4 USD
+0.63 (+1.27%)
Last: 9/9/2025, 2:53:09 PM
Fundamental Rating

3

Overall BAC gets a fundamental rating of 3 out of 10. We evaluated BAC against 391 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. Finally BAC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
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 0.77% is in line compared to the rest of the industry. BAC outperforms 43.99% of its industry peers.
BAC's Return On Equity of 8.88% is in line compared to the rest of the industry. BAC outperforms 54.99% of its industry peers.
Industry RankSector 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
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

BAC has a better Profit Margin (25.44%) than 61.13% of its industry peers.
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) 25.44%
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
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
Compared to 5 years ago, BAC has less shares outstanding
BAC has a worse debt/assets ratio than last year.
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

A Debt/Equity ratio of 2.54 is on the high side and indicates that BAC has dependencies on debt financing.
BAC has a worse Debt to Equity ratio (2.54) than 90.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.54
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.72%
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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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.
The Revenue has been growing slightly by 6.31% in the past year.
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 9.12% on average over the next years. This is quite good.
BAC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.74% yearly.
EPS Next Y12.57%
EPS Next 2Y14.48%
EPS Next 3Y14%
EPS Next 5Y9.12%
Revenue Next Year6.39%
Revenue Next 2Y6.16%
Revenue Next 3Y5.74%
Revenue Next 5Y4.74%

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.
BAC Yearly Revenue VS EstimatesBAC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B
BAC Yearly EPS VS EstimatesBAC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.74 indicates a correct valuation of BAC.
Compared to the rest of the industry, the Price/Earnings ratio of BAC indicates a slightly more expensive valuation: BAC is more expensive than 62.66% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BAC to the average of the S&P500 Index (27.02), we can say BAC is valued slightly cheaper.
BAC is valuated reasonably with a Price/Forward Earnings ratio of 11.69.
BAC's Price/Forward Earnings ratio is in line with the industry average.
BAC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.66, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.74
Fwd PE 11.69
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BAC Per share dataBAC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

The 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 14.00% in the coming years.
PEG (NY)1.17
PEG (5Y)4.21
EPS Next 2Y14.48%
EPS Next 3Y14%

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5. Dividend

5.1 Amount

BAC has a Yearly Dividend Yield of 6.23%, which is a nice return.
BAC's Dividend Yield is rather good when compared to the industry average which is at 3.56. BAC pays more dividend than 89.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, BAC pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.23%

5.2 History

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

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 2Y14.48%
EPS Next 3Y14%
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 (9/9/2025, 2:53:09 PM)

50.4

+0.63 (+1.27%)

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-2.87%
Ins Owners0.12%
Ins Owner Change-0.49%
Market Cap373.31B
Analysts80
Price Target52.98 (5.12%)
Short Float %1.41%
Short Ratio2.43
Dividend
Industry RankSector Rank
Dividend Yield 6.23%
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)1.92%
PT rev (3m)8.2%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-4.17%
EPS NY rev (1m)1.66%
EPS NY rev (3m)0.34%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 14.74
Fwd PE 11.69
P/S 3.57
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB 1.62
EV/EBITDA N/A
EPS(TTM)3.42
EY6.79%
EPS(NY)4.31
Fwd EY8.56%
FCF(TTM)-3.06
FCFYN/A
OCF(TTM)-3.06
OCFYN/A
SpS14.11
BVpS40.45
TBVpS31.13
PEG (NY)1.17
PEG (5Y)4.21
Profitability
Industry RankSector 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 RankSector 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
WACC11.72%
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 Y12.57%
EPS Next 2Y14.48%
EPS Next 3Y14%
EPS Next 5Y9.12%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%4.19%
Revenue Next Year6.39%
Revenue Next 2Y6.16%
Revenue Next 3Y5.74%
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