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BANK OF AMERICA CORP (BAC) Stock Fundamental Analysis

USA - NYSE:BAC - US0605051046 - Common Stock

53.02 USD
+0.45 (+0.86%)
Last: 10/27/2025, 8:04:24 PM
53.04 USD
+0.02 (+0.04%)
Pre-Market: 10/28/2025, 5:43:54 AM
Fundamental Rating

3

Taking everything into account, BAC scores 3 out of 10 in our fundamental rating. BAC was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of BAC have multiple concerns. BAC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BAC was profitable.
BAC had a negative operating cash flow in the past year.
Each year in the past 5 years BAC has 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

The Return On Assets of BAC (0.77%) is comparable to the rest of the industry.
The Return On Equity of BAC (8.88%) is comparable to the rest of the industry.
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's Profit Margin of 25.44% is fine compared to the rest of the industry. BAC outperforms 61.79% 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 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
BAC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BAC is higher compared to a year ago.
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 2.50 is on the high side and indicates that BAC has dependencies on debt financing.
BAC has a worse Debt to Equity ratio (2.50) than 90.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.5
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.42%
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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.77% over the past year.
The Earnings Per Share has been growing slightly by 3.50% on average over the past years.
BAC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.90%.
The Revenue has been growing slightly by 2.23% on average over the past years.
EPS 1Y (TTM)15.77%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%30.86%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%

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 Y16.46%
EPS Next 2Y15.41%
EPS Next 3Y15.25%
EPS Next 5Y9.12%
Revenue Next Year7.65%
Revenue Next 2Y6.89%
Revenue Next 3Y6.26%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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3

4. Valuation

4.1 Price/Earnings Ratio

BAC is valuated correctly with a Price/Earnings ratio of 14.45.
BAC's Price/Earnings ratio is a bit more expensive when compared to the industry. BAC is more expensive than 68.21% of the companies in the same industry.
BAC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.08.
Based on the Price/Forward Earnings ratio of 12.10, the valuation of BAC can be described as correct.
Based on the Price/Forward Earnings ratio, BAC is valued a bit more expensive than 66.15% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BAC to the average of the S&P500 Index (23.09), we can say BAC is valued slightly cheaper.
Industry RankSector Rank
PE 14.45
Fwd PE 12.1
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 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 15.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.88
PEG (5Y)4.13
EPS Next 2Y15.41%
EPS Next 3Y15.25%

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5

5. Dividend

5.1 Amount

BAC has a Yearly Dividend Yield of 2.16%.
Compared to an average industry Dividend Yield of 3.50, BAC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.30, BAC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.16%

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 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.
BAC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.8%
EPS Next 2Y15.41%
EPS Next 3Y15.25%
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 (10/27/2025, 8:04:24 PM)

Premarket: 53.04 +0.02 (+0.04%)

53.02

+0.45 (+0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15 2025-10-15/bmo
Earnings (Next)01-14 2026-01-14/amc
Inst Owners67.04%
Inst Owner Change-0.06%
Ins Owners0.12%
Ins Owner Change-0.52%
Market Cap388.61B
Revenue(TTM)107.26B
Net Income(TTM)26.59B
Analysts80
Price Target54.16 (2.15%)
Short Float %1.59%
Short Ratio3.06
Dividend
Industry RankSector Rank
Dividend Yield 2.16%
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)2.15%
PT rev (3m)4.19%
EPS NQ rev (1m)2.03%
EPS NQ rev (3m)1.87%
EPS NY rev (1m)3.37%
EPS NY rev (3m)5.18%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)1.18%
Revenue NY rev (3m)1.35%
Valuation
Industry RankSector Rank
PE 14.45
Fwd PE 12.1
P/S 3.72
P/FCF N/A
P/OCF N/A
P/B 1.3
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)3.67
EY6.92%
EPS(NY)4.38
Fwd EY8.26%
FCF(TTM)-3.09
FCFYN/A
OCF(TTM)-3.09
OCFYN/A
SpS14.26
BVpS40.88
TBVpS31.2
PEG (NY)0.88
PEG (5Y)4.13
Graham Number58.1
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
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-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 2.5
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
WACC11.42%
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)15.77%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%30.86%
EPS Next Y16.46%
EPS Next 2Y15.41%
EPS Next 3Y15.25%
EPS Next 5Y9.12%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
Revenue Next Year7.65%
Revenue Next 2Y6.89%
Revenue Next 3Y6.26%
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 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 of BANK OF AMERICA CORP (BAC) stock?

ChartMill assigns a valuation rating of 3 / 10 to BANK OF AMERICA CORP (BAC). This can be considered as Overvalued.


What is the profitability of BAC stock?

BANK OF AMERICA CORP (BAC) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BANK OF AMERICA CORP (BAC) stock?

The Price/Earnings (PE) ratio for BANK OF AMERICA CORP (BAC) is 14.45 and the Price/Book (PB) ratio is 1.3.


What is the financial health of BANK OF AMERICA CORP (BAC) stock?

The financial health rating of BANK OF AMERICA CORP (BAC) is 1 / 10.