BANK OF AMERICA CORP (NCB.DE) Fundamental Analysis & Valuation

FRA:NCB • US0605051046

41.37 EUR
+0.31 (+0.75%)
Last: Mar 13, 2026, 05:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This NCB.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

NCB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 116 industry peers in the Banks industry. NCB has a bad profitability rating. Also its financial health evaluation is rather negative. NCB is not valued too expensively and it also shows a decent growth rate. NCB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. NCB.DE Profitability Analysis

1.1 Basic Checks

  • In the past year NCB was profitable.
  • NCB had a positive operating cash flow in the past year.
  • In the past 5 years NCB has always been profitable.
  • In multiple years NCB reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B

1.2 Ratios

  • NCB has a Return On Assets (0.86%) which is in line with its industry peers.
  • The Return On Equity of NCB (9.62%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.86%
ROE 9.62%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.85%
ROE(3y)8.91%
ROE(5y)9.51%
ROIC(3y)N/A
ROIC(5y)N/A
NCB.DE Yearly ROA, ROE, ROICNCB.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • NCB has a Profit Margin of 26.45%. This is in the better half of the industry: NCB outperforms 65.52% of its industry peers.
  • In the last couple of years the Profit Margin of NCB has grown nicely.
  • 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) 26.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.12%
PM growth 5Y5.93%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. NCB.DE Health Analysis

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1T 2T 3T

2.2 Solvency

  • The Debt to FCF ratio of NCB is 56.34, which is on the high side as it means it would take NCB, 56.34 years of fcf income to pay off all of its debts.
  • NCB has a Debt to FCF ratio of 56.34. This is comparable to the rest of the industry: NCB outperforms 54.31% of its industry peers.
  • A Debt/Equity ratio of 2.34 is on the high side and indicates that NCB has dependencies on debt financing.
  • NCB's Debt to Equity ratio of 2.34 is on the low side compared to the rest of the industry. NCB is outperformed by 62.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Altman-Z N/A
ROIC/WACCN/A
WACC10.68%
NCB.DE Yearly LT Debt VS Equity VS FCFNCB.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. NCB.DE Growth Analysis

3.1 Past

  • NCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.41%, which is quite good.
  • The Earnings Per Share has been growing by 15.79% on average over the past years. This is quite good.
  • Looking at the last year, NCB shows a small growth in Revenue. The Revenue has grown by 7.06% in the last year.
  • Measured over the past years, NCB shows a small growth in Revenue. The Revenue has been growing by 5.75% on average per year.
EPS 1Y (TTM)16.41%
EPS 3Y5.73%
EPS 5Y15.79%
EPS Q2Q%19.51%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y6%
Revenue growth 5Y5.75%
Sales Q2Q%11.89%

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 12.09% on average per year.
  • The Revenue is expected to grow by 5.55% on average over the next years.
EPS Next Y14.29%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
EPS Next 5Y12.09%
Revenue Next Year8.08%
Revenue Next 2Y6.96%
Revenue Next 3Y5.76%
Revenue Next 5Y5.55%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
NCB.DE Yearly Revenue VS EstimatesNCB.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B 150B
NCB.DE Yearly EPS VS EstimatesNCB.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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4

4. NCB.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.46 indicates a correct valuation of NCB.
  • 75.86% of the companies in the same industry are cheaper than NCB, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, NCB is valued rather cheaply.
  • NCB is valuated reasonably with a Price/Forward Earnings ratio of 10.91.
  • NCB's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of NCB to the average of the S&P500 Index (23.84), we can say NCB is valued rather cheaply.
Industry RankSector Rank
PE 12.46
Fwd PE 10.91
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

  • NCB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 27.18
EV/EBITDA N/A
NCB.DE Per share dataNCB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • A more expensive valuation may be justified as NCB's earnings are expected to grow with 13.80% in the coming years.
PEG (NY)0.87
PEG (5Y)0.79
EPS Next 2Y14.39%
EPS Next 3Y13.8%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. NCB.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.35%, NCB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.56, NCB pays a bit more dividend than its industry peers.
  • NCB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.35%

5.2 History

  • On average, the dividend of NCB grows each year by 7.86%, which is quite nice.
Dividend Growth(5Y)7.86%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • NCB pays out 32.78% of its income as dividend. This is a sustainable payout ratio.
  • NCB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.78%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
NCB.DE Yearly Income VS Free CF VS DividendNCB.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B 40B 60B
NCB.DE Dividend Payout.NCB.DE Dividend Payout, showing the Payout Ratio.NCB.DE Dividend Payout.PayoutRetained Earnings

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NCB.DE Fundamentals: All Metrics, Ratios and Statistics

BANK OF AMERICA CORP

FRA:NCB (3/13/2026, 5:15:24 PM)

41.37

+0.31 (+0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-14
Earnings (Next)04-15
Inst Owners70.87%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap296.90B
Revenue(TTM)110.28B
Net Income(TTM)29.17B
Analysts79.33
Price Target53.11 (28.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.35%
Yearly Dividend1.12
Dividend Growth(5Y)7.86%
DP32.78%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.79%
Min EPS beat(2)1.28%
Max EPS beat(2)10.3%
EPS beat(4)4
Avg EPS beat(4)5.85%
Min EPS beat(4)1.28%
Max EPS beat(4)10.3%
EPS beat(8)8
Avg EPS beat(8)5.63%
EPS beat(12)12
Avg EPS beat(12)6.09%
EPS beat(16)16
Avg EPS beat(16)5.99%
Revenue beat(2)2
Avg Revenue beat(2)1.38%
Min Revenue beat(2)1.09%
Max Revenue beat(2)1.67%
Revenue beat(4)3
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)1.67%
Revenue beat(8)6
Avg Revenue beat(8)0.45%
Revenue beat(12)8
Avg Revenue beat(12)-0.08%
Revenue beat(16)9
Avg Revenue beat(16)0%
PT rev (1m)1.83%
PT rev (3m)5.6%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)-0.99%
EPS NY rev (1m)0.07%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)2.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.65%
Valuation
Industry RankSector Rank
PE 12.46
Fwd PE 10.91
P/S 3.11
P/FCF 27.18
P/OCF 27.18
P/B 1.13
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)3.32
EY8.03%
EPS(NY)3.79
Fwd EY9.16%
FCF(TTM)1.52
FCFY3.68%
OCF(TTM)1.52
OCFY3.68%
SpS13.31
BVpS36.59
TBVpS28.26
PEG (NY)0.87
PEG (5Y)0.79
Graham Number52.28
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.45%
GM N/A
FCFM 11.44%
ROA(3y)0.8%
ROA(5y)0.85%
ROE(3y)8.91%
ROE(5y)9.51%
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-2.12%
PM growth 5Y5.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF 56.34
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 43.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.68%
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)16.41%
EPS 3Y5.73%
EPS 5Y15.79%
EPS Q2Q%19.51%
EPS Next Y14.29%
EPS Next 2Y14.39%
EPS Next 3Y13.8%
EPS Next 5Y12.09%
Revenue 1Y (TTM)7.06%
Revenue growth 3Y6%
Revenue growth 5Y5.75%
Sales Q2Q%11.89%
Revenue Next Year8.08%
Revenue Next 2Y6.96%
Revenue Next 3Y5.76%
Revenue Next 5Y5.55%
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 1Y243.25%
FCF growth 3YN/A
FCF growth 5Y-19.79%
OCF growth 1Y243.25%
OCF growth 3YN/A
OCF growth 5Y-19.79%

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 12.46 and the Price/Book (PB) ratio is 1.13.


How sustainable is the dividend of BANK OF AMERICA CORP (NCB.DE) stock?

The dividend rating of BANK OF AMERICA CORP (NCB.DE) is 8 / 10 and the dividend payout ratio is 32.78%.