BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:NCB - US0605051046 - Common Stock
46.715 EUR
-0.21 (-0.46%)
We assign a fundamental rating of 3 out of 10 to NCB. NCB was compared to 108 industry peers in the Banks industry. NCB may be in some trouble as it scores bad on both profitability and health. NCB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year NCB was profitable.
In the past year NCB had a positive cash flow from operations.
NCB had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: NCB reported negative operating cash flow in multiple years.
1.2 Ratios
NCB has a Return On Assets of 0.83%. This is comparable to the rest of the industry: NCB outperforms 52.78% of its industry peers.
NCB has a Return On Equity of 9.29%. This is in the lower half of the industry: NCB underperforms 60.19% of its industry peers.
| 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 66.67% of its industry peers.
In the last couple of years the Profit Margin of NCB has declined.
The Operating Margin and Gross Margin are not available for NCB so they could not be analyzed.
| 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.
The number of shares outstanding for NCB has been reduced compared to 5 years ago.
The debt/assets ratio for NCB is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NCB is 11.51, which is on the high side as it means it would take NCB, 11.51 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 11.51, NCB is doing good in the industry, outperforming 75.00% 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 has a Debt to Equity ratio (2.33) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.77%, which is quite good.
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.
Measured over the past years, NCB shows a small growth in Revenue. The Revenue has been growing by 2.23% on average per year.
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 13.96% on average per year.
NCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.54% yearly.
EPS Next Y17.18%
EPS Next 2Y15.58%
EPS Next 3Y15.27%
EPS Next 5Y13.96%
Revenue Next Year7.64%
Revenue Next 2Y6.91%
Revenue Next 3Y6.18%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.83, the valuation of NCB can be described as correct.
NCB's Price/Earnings ratio is rather expensive when compared to the industry. NCB is more expensive than 86.11% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.46. NCB is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 12.40, which indicates a correct valuation of NCB.
76.85% of the companies in the same industry are cheaper than NCB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of NCB to the average of the S&P500 Index (36.10), we can say NCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.83 | ||
| Fwd PE | 12.4 |
4.2 Price Multiples
NCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCB is cheaper than 76.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NCB's 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 15.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)4.24
EPS Next 2Y15.58%
EPS Next 3Y15.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.11%, NCB has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.11, NCB pays less dividend than the industry average, which is at 4.70. 82.41% 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
5.2 History
The dividend of NCB is nicely growing with an annual growth rate of 13.83%!
Dividend Growth(5Y)13.83%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
NCB pays out 33.55% of its income as dividend. This is a sustainable payout ratio.
The dividend of NCB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP33.55%
EPS Next 2Y15.58%
EPS Next 3Y15.27%
FRA:NCB (12/5/2025, 3:56:23 PM)
46.715
-0.21 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.04%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap341.14B
Revenue(TTM)107.26B
Net Income(TTM)28.25B
Analysts80.67
Price Target50.04 (7.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend1.06
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)8.07%
PT rev (3m)10.69%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)3.08%
EPS NY rev (1m)0.62%
EPS NY rev (3m)4.09%
Revenue NQ rev (1m)-0.34%
Revenue NQ rev (3m)1.56%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)1.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.83 | ||
| Fwd PE | 12.4 | ||
| P/S | 3.71 | ||
| P/FCF | 6.47 | ||
| P/OCF | 6.47 | ||
| P/B | 1.31 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.15
EY6.74%
EPS(NY)3.77
Fwd EY8.06%
FCF(TTM)7.22
FCFY15.45%
OCF(TTM)7.22
OCFY15.45%
SpS12.59
BVpS35.7
TBVpS27.6
PEG (NY)0.86
PEG (5Y)4.24
Graham Number50.3
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
WACC10.6%
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 Y17.18%
EPS Next 2Y15.58%
EPS Next 3Y15.27%
EPS Next 5Y13.96%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
Revenue Next Year7.64%
Revenue Next 2Y6.91%
Revenue Next 3Y6.18%
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.
Can you provide the valuation status for BANK OF AMERICA CORP?
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 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 2 / 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 33.55%.