NCB Fundamental Analysis - BANK OF AMERICA CORP

Fundamental Rating

Overall NCB gets a fundamental rating of 3 out of 10. We evaluated NCB against 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. Finally NCB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year NCB was profitable.

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

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

With a Return On Assets value of 0.77%, NCB perfoms like the industry average, outperforming 57.73% of the companies in the same industry.

NCB's Return On Equity of 8.88% is in line compared to the rest of the industry. NCB outperforms 46.39% 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

NCB has a Profit Margin of 25.44%. This is in the better half of the industry: NCB outperforms 65.98% of its industry peers.

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)	25.44%
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

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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.

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.

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

2.2 Solvency

NCB has a Debt/Equity ratio of 2.54. This is a high value indicating a heavy dependency on external financing.

NCB has a Debt to Equity ratio (2.54) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.54
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.9%

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

NCB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.91%.

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.

NCB shows a small growth in Revenue. In the last year, the Revenue has grown by 6.31%.

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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.12% yearly.

The Revenue is expected to grow by 4.74% on average over the next years.

EPS Next Y12.67%

EPS Next 2Y14.51%

EPS Next 3Y14.13%

EPS Next 5Y9.12%

Revenue Next Year6.4%

Revenue Next 2Y6.19%

Revenue Next 3Y5.74%

Revenue Next 5Y4.74%

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

Based on the Price/Earnings ratio of 14.82, the valuation of NCB can be described as correct.

Compared to the rest of the industry, the Price/Earnings ratio of NCB indicates a rather expensive valuation: NCB more expensive than 84.54% of the companies listed in the same industry.

NCB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 11.75, which indicates a very decent valuation of NCB.

Based on the Price/Forward Earnings ratio, NCB is valued a bit more expensive than the industry average as 68.04% of the companies are valued more cheaply.

NCB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.82
Fwd PE	11.75

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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 14.13% in the coming years.

PEG (NY)1.17

PEG (5Y)4.23

EPS Next 2Y14.51%

EPS Next 3Y14.13%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.84%, NCB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.02, 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 2.41.

		Industry Rank	Sector Rank
Dividend Yield	5.84%

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

35.80% of the earnings are spent on dividend by NCB. This is a low number and sustainable payout ratio.

The dividend of NCB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP35.8%

EPS Next 2Y14.51%

EPS Next 3Y14.13%

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BANK OF AMERICA CORP

FRA:NCB (10/3/2025, 7:00:00 PM)

43.13

+0.19 (+0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16/bmo

Earnings (Next)10-15 2025-10-15/bmo

Inst Owners67.04%

Inst Owner ChangeN/A

Ins Owners0.12%

Ins Owner ChangeN/A

Market Cap319.46B

Analysts80

Price Target45.1 (4.57%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.84%

Yearly Dividend1.05

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)-0.25%

PT rev (3m)5.43%

EPS NQ rev (1m)-0.03%

EPS NQ rev (3m)-0.54%

EPS NY rev (1m)0.09%

EPS NY rev (3m)0.43%

Revenue NQ rev (1m)-0.03%

Revenue NQ rev (3m)-0.13%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)0.09%

Valuation

		Industry Rank	Sector Rank
PE	14.82
Fwd PE	11.75
P/S	3.59
P/FCF	N/A
P/OCF	N/A
P/B	1.25
P/tB	1.63
EV/EBITDA	N/A

EPS(TTM)2.91

EY6.75%

EPS(NY)3.67

Fwd EY8.51%

FCF(TTM)-2.6

FCFYN/A

OCF(TTM)-2.6

OCFYN/A

SpS12.01

BVpS34.41

TBVpS26.48

PEG (NY)1.17

PEG (5Y)4.23

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

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.54
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

WACC10.9%

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 Y12.67%

EPS Next 2Y14.51%

EPS Next 3Y14.13%

EPS Next 5Y9.12%

Revenue 1Y (TTM)6.31%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%4.19%

Revenue Next Year6.4%

Revenue Next 2Y6.19%

Revenue Next 3Y5.74%

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) 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

More info and screens

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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