BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis
FRA:NCB - Deutsche Boerse Ag - US0605051046 - Common Stock - Currency: EUR
Overall NCB gets a fundamental rating of 3 out of 10. We evaluated NCB against 92 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
NCB had positive earnings in the past year.
In the past year NCB had a positive cash flow from operations.
In the past 5 years NCB has always 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.
The Return On Equity of NCB (8.91%) 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
The Profit Margin of NCB (25.48%) is better than 70.65% of its industry peers.
NCB's Profit Margin has declined in the last couple of years.
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) | 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.
The number of shares outstanding for NCB has been reduced compared to 1 year ago.
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.
With a decent Debt to FCF ratio value of 158.30, NCB is doing good in the industry, outperforming 71.74% of the companies in the same industry.
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
WACC10.72%
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 been growing slightly by 1.51% over the past year.
Measured over the past 5 years, NCB shows a small growth in Earnings Per Share. The EPS has been growing by 3.50% on average per year.
The Revenue has been growing slightly by 5.39% in the past year.
The Revenue has been growing slightly by 2.23% on average over the past years.
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.
NCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.75% yearly.
EPS Next Y12.2%
EPS Next 2Y14.54%
EPS Next 3Y13.83%
EPS Next 5Y6.91%
Revenue Next Year6.28%
Revenue Next 2Y5.84%
Revenue Next 3Y5.22%
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
Based on the Price/Earnings ratio of 13.03, 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 82.61% of the companies in the same industry.
NCB is valuated cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.15, the valuation of NCB can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as NCB.
NCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NCB is valued a bit cheaper than the industry average as 72.83% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 72.51 | ||
| 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 13.83% in the coming years.
PEG (NY)1.07
PEG (5Y)3.72
EPS Next 2Y14.54%
EPS Next 3Y13.83%
5. Dividend
5.1 Amount
NCB has a Yearly Dividend Yield of 2.40%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.40, NCB pays less dividend than the industry average, which is at 5.06. 90.22% 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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 2Y14.54%
EPS Next 3Y13.83%
FRA:NCB (5/30/2025, 7:00:00 PM)
38.83
+0.05 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.89%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap292.46B
Analysts82.07
Price Target42.94 (10.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend1.08
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)-9.49%
PT rev (3m)-12.08%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)-4.24%
EPS NY rev (1m)0.26%
EPS NY rev (3m)-0.98%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.15 | ||
| P/S | 3.19 | ||
| P/FCF | 72.51 | ||
| P/OCF | 72.51 | ||
| P/B | 1.12 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.98
EY7.67%
EPS(NY)3.83
Fwd EY9.85%
FCF(TTM)0.54
FCFY1.38%
OCF(TTM)0.54
OCFY1.38%
SpS12.17
BVpS34.79
TBVpS26.44
PEG (NY)1.07
PEG (5Y)3.72
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
WACC10.72%
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 Y12.2%
EPS Next 2Y14.54%
EPS Next 3Y13.83%
EPS Next 5Y6.91%
Revenue 1Y (TTM)5.39%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%5.91%
Revenue Next Year6.28%
Revenue Next 2Y5.84%
Revenue Next 3Y5.22%
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