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BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis

Europe - FRA:NCB - US0605051046 - Common Stock

45.935 EUR
-0.02 (-0.04%)
Last: 10/31/2025, 4:54:43 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to NCB. NCB was compared to 97 industry peers in the Banks industry. NCB has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, NCB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year NCB was profitable.
In the past year NCB has reported a negative cash flow from operations.
Each year in the past 5 years NCB has been profitable.
The reported operating cash flow has been mixed in the past 5 years: NCB reported negative operating cash flow in multiple years.
NCB.DE Yearly Net Income VS EBIT VS OCF VS FCFNCB.DE 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

Looking at the Return On Assets, with a value of 0.77%, NCB is in line with its industry, outperforming 56.70% of the companies in the same industry.
NCB has a Return On Equity of 8.88%. This is comparable to the rest of the industry: NCB outperforms 45.36% 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
NCB.DE Yearly ROA, ROE, ROICNCB.DE 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

With a decent Profit Margin value of 25.44%, NCB is doing good in the industry, outperforming 63.92% of the companies in the same industry.
NCB's Profit Margin has declined in the last couple of years.
NCB 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
NCB.DE Yearly Profit, Operating, Gross MarginsNCB.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1

2. Health

2.1 Basic Checks

NCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NCB has less shares outstanding
Compared to 5 years ago, NCB has less shares outstanding
The debt/assets ratio for NCB is higher compared to a year ago.
NCB.DE Yearly Shares OutstandingNCB.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
NCB.DE Yearly Total Debt VS Total AssetsNCB.DE 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

NCB has a Debt/Equity ratio of 2.50. This is a high value indicating a heavy dependency on external financing.
NCB has a Debt to Equity ratio of 2.50. This is comparable to the rest of the industry: NCB outperforms 44.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.5
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.64%
NCB.DE Yearly LT Debt VS Equity VS FCFNCB.DE 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
NCB.DE Yearly Current Assets VS Current LiabilitesNCB.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.77% over the past year.
NCB 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, NCB shows a quite strong growth in Revenue. The Revenue has grown by 8.90% in the last year.
NCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.23% yearly.
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

Based on estimates for the next years, NCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.12% on average per year.
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

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NCB.DE Yearly Revenue VS EstimatesNCB.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50B 100B
NCB.DE Yearly EPS VS EstimatesNCB.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.44, which indicates a correct valuation of NCB.
Based on the Price/Earnings ratio, NCB is valued more expensive than 83.51% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.19. NCB is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 12.11 indicates a correct valuation of NCB.
NCB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NCB is more expensive than 71.13% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.50. NCB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.44
Fwd PE 12.11
NCB.DE Price Earnings VS Forward Price EarningsNCB.DE 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
NCB.DE Per share dataNCB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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.
NCB'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%

4

5. Dividend

5.1 Amount

NCB has a Yearly Dividend Yield of 2.16%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.16, NCB pays less dividend than the industry average, which is at 4.83. 89.69% of the companies listed in the same industry pay a better dividend than NCB!
NCB's Dividend Yield is comparable with the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 2.16%

5.2 History

On average, the dividend of NCB grows each year by 13.83%, which is quite nice.
Dividend Growth(5Y)13.83%
Div Incr Years6
Div Non Decr Years6
NCB.DE Yearly Dividends per shareNCB.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

35.80% of the earnings are spent on dividend by NCB. This is a low number and sustainable payout ratio.
NCB'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%
NCB.DE Yearly Income VS Free CF VS DividendNCB.DE 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
NCB.DE Dividend Payout.NCB.DE Dividend Payout, showing the Payout Ratio.NCB.DE Dividend Payout.PayoutRetained Earnings

BANK OF AMERICA CORP

FRA:NCB (10/31/2025, 4:54:43 PM)

45.935

-0.02 (-0.04%)

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 ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap336.68B
Revenue(TTM)107.26B
Net Income(TTM)26.59B
Analysts80
Price Target46.31 (0.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.16%
Yearly Dividend1.06
Dividend Growth(5Y)13.83%
DP35.8%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
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)2.68%
PT rev (3m)2.19%
EPS NQ rev (1m)2.03%
EPS NQ rev (3m)1.74%
EPS NY rev (1m)3.37%
EPS NY rev (3m)5.18%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)1.18%
Revenue NY rev (3m)1.35%
Valuation
Industry RankSector Rank
PE 14.44
Fwd PE 12.11
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)3.18
EY6.92%
EPS(NY)3.79
Fwd EY8.26%
FCF(TTM)-2.68
FCFYN/A
OCF(TTM)-2.68
OCFYN/A
SpS12.35
BVpS35.39
TBVpS27.01
PEG (NY)0.88
PEG (5Y)4.13
Graham Number50.32
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
WACC10.64%
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 / NCB.DE FAQ

Can you provide the ChartMill fundamental rating for BANK OF AMERICA CORP?

ChartMill assigns a fundamental rating of 3 / 10 to NCB.DE.


Can you provide the valuation status for BANK OF AMERICA CORP?

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


What is the profitability of NCB stock?

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


What is the financial health of BANK OF AMERICA CORP (NCB.DE) stock?

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


Can you provide the dividend sustainability for NCB stock?

The dividend rating of BANK OF AMERICA CORP (NCB.DE) is 4 / 10 and the dividend payout ratio is 35.8%.