BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:NCB - US0605051046 - Common Stock
45.515 EUR
+0.06 (+0.13%)
Taking everything into account, NCB scores 3 out of 10 in our fundamental rating. NCB was compared to 118 industry peers in the Banks industry. NCB has a bad profitability rating. Also its financial health evaluation is rather negative. NCB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year NCB was profitable.
- NCB had a positive operating cash flow in the past year.
- Each year in the past 5 years NCB has been profitable.
- In multiple years NCB reported negative operating cash flow during the last 5 years.
1.2 Ratios
- NCB has a Return On Assets (0.83%) which is in line with its industry peers.
- With a Return On Equity value of 9.29%, NCB perfoms like the industry average, outperforming 41.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.29% | ||
| 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
- NCB's Profit Margin of 26.34% is fine compared to the rest of the industry. NCB outperforms 67.80% of its industry peers.
- In the last couple of years the Profit Margin of NCB has declined.
- NCB 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) | 26.34% | ||
| 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
2. Health
2.1 Basic Checks
- NCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- NCB has less shares outstanding than it did 1 year ago.
- NCB has less shares outstanding than it did 5 years ago.
- NCB has a worse debt/assets ratio than last year.
2.2 Solvency
- NCB has a debt to FCF ratio of 11.51. This is a negative value and a sign of low solvency as NCB would need 11.51 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 11.51, NCB is doing good in the industry, outperforming 74.58% of the companies in the same industry.
- A Debt/Equity ratio of 2.33 is on the high side and indicates that NCB has dependencies on debt financing.
- NCB's Debt to Equity ratio of 2.33 is in line compared to the rest of the industry. NCB outperforms 41.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- The Revenue has grown by 8.90% in the past year. This is quite good.
- 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
- NCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.96% yearly.
- Based on estimates for the next years, NCB will show a small growth in Revenue. The Revenue will grow by 5.54% on average per year.
EPS Next Y16.91%
EPS Next 2Y15.64%
EPS Next 3Y15.45%
EPS Next 5Y13.96%
Revenue Next Year7.52%
Revenue Next 2Y6.87%
Revenue Next 3Y6.26%
Revenue Next 5Y5.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
- NCB is valuated correctly with a Price/Earnings ratio of 14.40.
- NCB's Price/Earnings ratio is rather expensive when compared to the industry. NCB is more expensive than 83.05% of the companies in the same industry.
- NCB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.47.
- With a Price/Forward Earnings ratio of 12.02, NCB is valued correctly.
- NCB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NCB is more expensive than 62.71% of the companies in the same industry.
- NCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.4 | ||
| Fwd PE | 12.02 |
4.2 Price Multiples
- NCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCB is cheaper than 79.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.28 | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as NCB's earnings are expected to grow with 15.45% in the coming years.
PEG (NY)0.85
PEG (5Y)4.11
EPS Next 2Y15.64%
EPS Next 3Y15.45%
5. Dividend
5.1 Amount
- NCB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:NCB (1/16/2026, 7:00:00 PM)
45.515
+0.06 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15 2025-10-15/bmo
Earnings (Next)01-14 2026-01-14/bmo
Inst Owners69.83%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap332.37B
Revenue(TTM)107.26B
Net Income(TTM)28.25B
Analysts80.69
Price Target50.7 (11.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend1.05
Dividend Growth(5Y)13.83%
DP33.55%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.64%
Min EPS beat(2)2.97%
Max EPS beat(2)10.3%
EPS beat(4)4
Avg EPS beat(4)6.88%
Min EPS beat(4)2.97%
Max EPS beat(4)10.3%
EPS beat(8)8
Avg EPS beat(8)5.67%
EPS beat(12)12
Avg EPS beat(12)6.79%
EPS beat(16)16
Avg EPS beat(16)6.33%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)1.67%
Revenue beat(4)3
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)1.67%
Revenue beat(8)5
Avg Revenue beat(8)-0.67%
Revenue beat(12)7
Avg Revenue beat(12)-0.19%
Revenue beat(16)8
Avg Revenue beat(16)-0.17%
PT rev (1m)0.82%
PT rev (3m)9.49%
EPS NQ rev (1m)-1.38%
EPS NQ rev (3m)1.41%
EPS NY rev (1m)-0.35%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)1.13%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.4 | ||
| Fwd PE | 12.02 | ||
| P/S | 3.6 | ||
| P/FCF | 6.28 | ||
| P/OCF | 6.28 | ||
| P/B | 1.27 | ||
| P/tB | 1.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.16
EY6.94%
EPS(NY)3.79
Fwd EY8.32%
FCF(TTM)7.24
FCFY15.91%
OCF(TTM)7.24
OCFY15.91%
SpS12.64
BVpS35.83
TBVpS27.7
PEG (NY)0.85
PEG (5Y)4.11
Graham Number50.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.34% | ||
| GM | N/A | ||
| FCFM | 57.31% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 217.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC10.62%
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 Y16.91%
EPS Next 2Y15.64%
EPS Next 3Y15.45%
EPS Next 5Y13.96%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
Revenue Next Year7.52%
Revenue Next 2Y6.87%
Revenue Next 3Y6.26%
Revenue Next 5Y5.54%
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 1Y42.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y42.11%
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.
What is the valuation status for NCB stock?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF AMERICA CORP (NCB.DE). This can be considered as Fairly Valued.
What is the profitability of NCB stock?
BANK OF AMERICA CORP (NCB.DE) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for NCB stock?
The Price/Earnings (PE) ratio for BANK OF AMERICA CORP (NCB.DE) is 14.4 and the Price/Book (PB) ratio is 1.27.
How sustainable is the dividend of BANK OF AMERICA CORP (NCB.DE) stock?
The dividend rating of BANK OF AMERICA CORP (NCB.DE) is 0 / 10 and the dividend payout ratio is 33.55%.