BANK OF AMERICA CORP(FRA:NCB) stock Fundamental Analysis

Fundamental Rating

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. NCB may be in some trouble as it scores bad on both profitability and health. NCB has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year NCB was profitable.

NCB had a positive operating cash flow in the past year.

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's Return On Assets of 0.79% is in line compared to the rest of the industry. NCB outperforms 55.43% of its industry peers.

Looking at the Return On Equity, with a value of 8.91%, NCB is in line with its industry, outperforming 47.83% of the companies in the same 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 has a Profit Margin of 25.48%. This is in the better half of the industry: NCB outperforms 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 1 year ago, NCB has a worse debt to assets ratio.

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.

With a Debt to Equity ratio value of 2.38, NCB perfoms like the industry average, 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

WACC10.75%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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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.

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

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.06 indicates a correct valuation of NCB.

Compared to the rest of the industry, the Price/Earnings ratio of NCB indicates a slightly more expensive valuation: NCB is more expensive than 79.35% of the companies listed in the same industry.

NCB is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.16, which indicates a very decent valuation of NCB.

NCB's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.20, NCB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.06
Fwd PE	10.16

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NCB is valued a bit cheaper than 72.83% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	72.6
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)3.73

EPS Next 2Y14.54%

EPS Next 3Y13.83%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.40%, NCB has a reasonable but not impressive dividend return.

With a Dividend Yield of 2.40, NCB pays less dividend than the industry average, which is at 5.03. 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 2.40.

		Industry Rank	Sector Rank
Dividend Yield	2.4%

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 2Y14.54%

EPS Next 3Y13.83%

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BANK OF AMERICA CORP

FRA:NCB (5/27/2025, 5:23:12 PM)

38.535

+1.61 (+4.36%)

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 Owners65.89%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap290.24B

Analysts82.07

Price Target42.94 (11.43%)

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	13.06
Fwd PE	10.16
P/S	3.19
P/FCF	72.6
P/OCF	72.6
P/B	1.12
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)2.95

EY7.66%

EPS(NY)3.79

Fwd EY9.84%

FCF(TTM)0.53

FCFY1.38%

OCF(TTM)0.53

OCFY1.38%

SpS12.07

BVpS34.48

TBVpS26.21

PEG (NY)1.07

PEG (5Y)3.73

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

WACC10.75%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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