BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis
Europe - FRA:NCB - US0605051046 - Common Stock
45.935 EUR
-0.02 (-0.04%)
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.
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.
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 Rank | Sector 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
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 Rank | Sector 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
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
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.5 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.64%
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.
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.44 | ||
| Fwd PE | 12.11 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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.
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%
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 Rank | Sector 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
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%
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%.