NCB Fundamental Analysis - BANK OF AMERICA CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to NCB. NCB was compared to 87 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.

Quickly go to:

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.

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.

1.2 Ratios

The Return On Assets of NCB (0.79%) is comparable to the rest of the industry.

NCB has a Return On Equity (8.91%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.79%
ROE	8.91%
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 25.48% is fine compared to the rest of the industry. NCB outperforms 71.26% 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)	25.48%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

2.2 Solvency

The Debt to FCF ratio of NCB is 158.30, which is on the high side as it means it would take NCB, 158.30 years of fcf income to pay off all of its debts.

NCB has a better Debt to FCF ratio (158.30) than 72.41% of its industry peers.

A Debt/Equity ratio of 2.38 is on the high side and indicates that NCB has dependencies on debt financing.

NCB has a Debt to Equity ratio (2.38) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.38
Debt/FCF	158.3
Altman-Z	N/A

ROIC/WACCN/A

WACC11.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.51% over the past year.

The Earnings Per Share has been growing slightly by 3.50% on average over the past years.

NCB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.39%.

NCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.23% yearly.

EPS 1Y (TTM)1.51%

EPS 3Y-0.4%

EPS 5Y3.5%

EPS Q2Q%8.43%

Revenue 1Y (TTM)5.39%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%5.91%

3.2 Future

The Earnings Per Share is expected to grow by 6.91% on average over the next years.

The Revenue is expected to grow by 3.75% on average over the next years.

EPS Next Y12.19%

EPS Next 2Y14.6%

EPS Next 3Y13.82%

EPS Next 5Y6.91%

Revenue Next Year6.3%

Revenue Next 2Y5.9%

Revenue Next 3Y5.24%

Revenue Next 5Y3.75%

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.12, which indicates a correct valuation of NCB.

Based on the Price/Earnings ratio, NCB is valued more expensive than 86.21% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.98, NCB is valued a bit cheaper.

A Price/Forward Earnings ratio of 10.98 indicates a reasonable valuation of NCB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of NCB indicates a slightly more expensive valuation: NCB is more expensive than 63.22% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.49, NCB is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.12
Fwd PE	10.98

4.2 Price Multiples

NCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCB is cheaper than 73.56% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	78.5
EV/EBITDA	N/A

4.3 Compensation for Growth

NCB's 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 NCB's earnings are expected to grow with 13.81% in the coming years.

PEG (NY)1.16

PEG (5Y)4.03

EPS Next 2Y14.6%

EPS Next 3Y13.82%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

NCB has a Yearly Dividend Yield of 2.19%.

Compared to an average industry Dividend Yield of 5.13, NCB's dividend is way lower than its industry peers. On top of this 94.25% 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 2.42.

		Industry Rank	Sector Rank
Dividend Yield	2.19%

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

5.3 Sustainability

NCB pays out 36.19% of its income as dividend. This is a sustainable payout ratio.

NCB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP36.19%

EPS Next 2Y14.6%

EPS Next 3Y13.82%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANK OF AMERICA CORP

FRA:NCB (6/27/2025, 7:00:00 PM)

40.52

+0.02 (+0.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-15 2025-04-15/bmo

Earnings (Next)07-16 2025-07-16/bmo

Inst Owners66.49%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap305.19B

Analysts80.69

Price Target42.78 (5.58%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.19%

Yearly Dividend1.05

Dividend Growth(5Y)13.83%

DP36.19%

Div Incr Years6

Div Non Decr Years6

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.12%

Min EPS beat(2)5.4%

Max EPS beat(2)8.83%

EPS beat(4)4

Avg EPS beat(4)5.47%

Min EPS beat(4)3.15%

Max EPS beat(4)8.83%

EPS beat(8)8

Avg EPS beat(8)5.58%

EPS beat(12)12

Avg EPS beat(12)6.29%

EPS beat(16)16

Avg EPS beat(16)6.84%

Revenue beat(2)2

Avg Revenue beat(2)0.57%

Min Revenue beat(2)0.23%

Max Revenue beat(2)0.92%

Revenue beat(4)3

Avg Revenue beat(4)0.3%

Min Revenue beat(4)-0.19%

Max Revenue beat(4)0.92%

Revenue beat(8)5

Avg Revenue beat(8)-0.72%

Revenue beat(12)7

Avg Revenue beat(12)-0.04%

Revenue beat(16)8

Avg Revenue beat(16)-0.14%

PT rev (1m)-0.38%

PT rev (3m)-13.97%

EPS NQ rev (1m)-0.26%

EPS NQ rev (3m)-4.05%

EPS NY rev (1m)-0.01%

EPS NY rev (3m)-0.98%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.59%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)-0.43%

Valuation

		Industry Rank	Sector Rank
PE	14.12
Fwd PE	10.98
P/S	3.45
P/FCF	78.5
P/OCF	78.5
P/B	1.21
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)2.87

EY7.08%

EPS(NY)3.69

Fwd EY9.11%

FCF(TTM)0.52

FCFY1.27%

OCF(TTM)0.52

OCFY1.27%

SpS11.73

BVpS33.53

TBVpS25.49

PEG (NY)1.16

PEG (5Y)4.03

Profitability

		Industry Rank	Sector Rank
ROA	0.79%
ROE	8.91%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.48%
GM	N/A
FCFM	4.4%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.38
Debt/FCF	158.3
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	17.27%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC11.35%

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)1.51%

EPS 3Y-0.4%

EPS 5Y3.5%

EPS Q2Q%8.43%

EPS Next Y12.19%

EPS Next 2Y14.6%

EPS Next 3Y13.82%

EPS Next 5Y6.91%

Revenue 1Y (TTM)5.39%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%5.91%

Revenue Next Year6.3%

Revenue Next 2Y5.9%

Revenue Next 3Y5.24%

Revenue Next 5Y3.75%

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-83.63%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-83.63%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens