BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis
FRA:NCB - Deutsche Boerse Ag - US0605051046 - Common Stock - Currency: EUR
Taking everything into account, NCB scores 3 out of 10 in our fundamental rating. NCB was compared to 92 industry peers in the Banks industry. Both the profitability and financial health of NCB have multiple concerns. NCB has a decent growth rate and is not valued too expensively.
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 (0.79%) which is comparable to the rest of the industry.
NCB has a Return On Equity of 8.91%. This is comparable to the rest of the industry: NCB outperforms 47.83% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 25.48%, NCB is in the better half of the industry, outperforming 70.65% of the companies in the same industry.
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
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
NCB has a debt to FCF ratio of 158.30. This is a negative value and a sign of low solvency as NCB would need 158.30 years to pay back of all of its debts.
The Debt to FCF ratio of NCB (158.30) is better than 72.83% 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.
Looking at the Debt to Equity ratio, with a value of 2.38, NCB is in line with its industry, outperforming 42.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.38 | ||
| Debt/FCF | 158.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NCB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.91%.
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 small growth in Revenue. The Revenue has grown by 6.31% in the last year.
The Revenue has been growing slightly by 2.23% on average over the past years.
EPS 1Y (TTM)4.91%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%7.23%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%4.19%
3.2 Future
NCB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.91% yearly.
Based on estimates for the next years, NCB will show a small growth in Revenue. The Revenue will grow by 3.75% on average per year.
EPS Next Y10.73%
EPS Next 2Y13.95%
EPS Next 3Y12.96%
EPS Next 5Y6.91%
Revenue Next Year6.22%
Revenue Next 2Y5.98%
Revenue Next 3Y5.4%
Revenue Next 5Y3.75%
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
A Price/Earnings ratio of 13.17 indicates a correct valuation of NCB.
Based on the Price/Earnings ratio, NCB is valued more expensive than 81.52% of the companies in the same industry.
NCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.
With a Price/Forward Earnings ratio of 10.55, the valuation of NCB can be described as very reasonable.
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 63.04% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of NCB to the average of the S&P500 Index (36.21), we can say NCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
NCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCB is cheaper than 72.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 73.66 | ||
| 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 12.96% in the coming years.
PEG (NY)1.23
PEG (5Y)3.76
EPS Next 2Y13.95%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
NCB has a Yearly Dividend Yield of 2.31%.
Compared to an average industry Dividend Yield of 4.97, NCB's dividend is way lower than its industry peers. On top of this 86.96% of the companies listed in the same industry pay a better dividend than NCB!
Compared to an average S&P500 Dividend Yield of 2.39, NCB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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 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 2Y13.95%
EPS Next 3Y12.96%
FRA:NCB (8/1/2025, 7:00:00 PM)
39.375
-2.23 (-5.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.49%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap292.82B
Analysts79.31
Price Target45.31 (15.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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)5.93%
PT rev (3m)9.27%
EPS NQ rev (1m)-4.46%
EPS NQ rev (3m)-4.5%
EPS NY rev (1m)-1.3%
EPS NY rev (3m)-1.05%
Revenue NQ rev (1m)-0.59%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.17 | ||
| Fwd PE | 10.55 | ||
| P/S | 3.24 | ||
| P/FCF | 73.66 | ||
| P/OCF | 73.66 | ||
| P/B | 1.13 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.99
EY7.59%
EPS(NY)3.73
Fwd EY9.48%
FCF(TTM)0.53
FCFY1.36%
OCF(TTM)0.53
OCFY1.36%
SpS12.15
BVpS34.73
TBVpS26.39
PEG (NY)1.23
PEG (5Y)3.76
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
WACC10.06%
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)4.91%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%7.23%
EPS Next Y10.73%
EPS Next 2Y13.95%
EPS Next 3Y12.96%
EPS Next 5Y6.91%
Revenue 1Y (TTM)6.31%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%4.19%
Revenue Next Year6.22%
Revenue Next 2Y5.98%
Revenue Next 3Y5.4%
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