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BANK OF AMERICA CORP (1BAC.MI) Stock Fundamental Analysis

BIT:1BAC - Euronext Milan - US0605051046 - Common Stock - Currency: EUR

37.63  -3.91 (-9.42%)

Fundamental Rating

3

1BAC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. 1BAC may be in some trouble as it scores bad on both profitability and health. 1BAC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

1BAC had positive earnings in the past year.
1BAC had a negative operating cash flow in the past year.
1BAC had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: 1BAC reported negative operating cash flow in multiple years.
1BAC.MI Yearly Net Income VS EBIT VS OCF VS FCF1BAC.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

1.2 Ratios

The Return On Assets of 1BAC (0.78%) is comparable to the rest of the industry.
With a Return On Equity value of 8.63%, 1BAC perfoms like the industry average, outperforming 48.39% of the companies in the same industry.
Industry RankSector Rank
ROA 0.78%
ROE 8.63%
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
1BAC.MI Yearly ROA, ROE, ROIC1BAC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of 1BAC (25.03%) is better than 67.74% of its industry peers.
1BAC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for 1BAC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.03%
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
1BAC.MI Yearly Profit, Operating, Gross Margins1BAC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

2. Health

2.1 Basic Checks

1BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1BAC has been reduced compared to 1 year ago.
The number of shares outstanding for 1BAC has been reduced compared to 5 years ago.
1BAC has a worse debt/assets ratio than last year.
1BAC.MI Yearly Shares Outstanding1BAC.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
1BAC.MI Yearly Total Debt VS Total Assets1BAC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T

2.2 Solvency

1BAC has a Debt/Equity ratio of 2.14. This is a high value indicating a heavy dependency on external financing.
1BAC has a Debt to Equity ratio (2.14) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.14%
1BAC.MI Yearly LT Debt VS Equity VS FCF1BAC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BAC.MI Yearly Current Assets VS Current Liabilites1BAC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

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4

3. Growth

3.1 Past

1BAC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.80%.
Measured over the past 5 years, 1BAC 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, 1BAC shows a small growth in Revenue. The Revenue has grown by 3.35% in the last year.
The Revenue has been growing slightly by 2.23% on average over the past years.
EPS 1Y (TTM)-3.8%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%17.14%
Revenue 1Y (TTM)3.35%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%15.37%

3.2 Future

Based on estimates for the next years, 1BAC will show a small growth in Earnings Per Share. The EPS will grow by 7.05% on average per year.
The Revenue is expected to grow by 3.18% on average over the next years.
EPS Next Y13.3%
EPS Next 2Y15.92%
EPS Next 3Y14.24%
EPS Next 5Y7.05%
Revenue Next Year6.76%
Revenue Next 2Y6.46%
Revenue Next 3Y5.64%
Revenue Next 5Y3.18%

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.
1BAC.MI Yearly Revenue VS Estimates1BAC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 20B 40B 60B 80B 100B
1BAC.MI Yearly EPS VS Estimates1BAC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

1BAC is valuated correctly with a Price/Earnings ratio of 12.42.
78.49% of the companies in the same industry are cheaper than 1BAC, based on the Price/Earnings ratio.
1BAC is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.96, which indicates a very decent valuation of 1BAC.
63.44% of the companies in the same industry are cheaper than 1BAC, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, 1BAC is valued rather cheaply.
Industry RankSector Rank
PE 12.42
Fwd PE 10.96
1BAC.MI Price Earnings VS Forward Price Earnings1BAC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BAC.MI Per share data1BAC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

1BAC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1BAC's earnings are expected to grow with 14.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.93
PEG (5Y)3.55
EPS Next 2Y15.92%
EPS Next 3Y14.24%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.51%, 1BAC has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.51, 1BAC pays less dividend than the industry average, which is at 5.06. 86.02% of the companies listed in the same industry pay a better dividend than 1BAC!
1BAC's Dividend Yield is comparable with the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 2.51%

5.2 History

On average, the dividend of 1BAC grows each year by 13.83%, which is quite nice.
Dividend Growth(5Y)13.83%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

37.26% of the earnings are spent on dividend by 1BAC. This is a low number and sustainable payout ratio.
The dividend of 1BAC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP37.26%
EPS Next 2Y15.92%
EPS Next 3Y14.24%
1BAC.MI Yearly Income VS Free CF VS Dividend1BAC.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B
1BAC.MI Dividend Payout.1BAC.MI Dividend Payout, showing the Payout Ratio.1BAC.MI Dividend Payout.PayoutRetained Earnings

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BANK OF AMERICA CORP

BIT:1BAC (3/7/2025, 7:00:00 PM)

37.63

-3.91 (-9.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16 2025-01-16/bmo
Earnings (Next)04-15 2025-04-15/bmo
Inst Owners65.89%
Inst Owner ChangeN/A
Ins Owners0.12%
Ins Owner ChangeN/A
Market Cap286.16B
Analysts80
Price Target49.72 (32.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend1.13
Dividend Growth(5Y)13.83%
DP37.26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.94%
Min EPS beat(2)4.48%
Max EPS beat(2)5.4%
EPS beat(4)4
Avg EPS beat(4)5.41%
Min EPS beat(4)3.15%
Max EPS beat(4)8.61%
EPS beat(8)8
Avg EPS beat(8)6.22%
EPS beat(12)12
Avg EPS beat(12)6.04%
EPS beat(16)16
Avg EPS beat(16)8.13%
Revenue beat(2)1
Avg Revenue beat(2)0.02%
Min Revenue beat(2)-0.19%
Max Revenue beat(2)0.23%
Revenue beat(4)3
Avg Revenue beat(4)0.33%
Min Revenue beat(4)-0.19%
Max Revenue beat(4)1.01%
Revenue beat(8)4
Avg Revenue beat(8)-0.55%
Revenue beat(12)5
Avg Revenue beat(12)-0.28%
Revenue beat(16)7
Avg Revenue beat(16)-0.13%
PT rev (1m)2.1%
PT rev (3m)9.55%
EPS NQ rev (1m)-0.47%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)0.02%
EPS NY rev (3m)0.86%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)1.55%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)2.08%
Valuation
Industry RankSector Rank
PE 12.42
Fwd PE 10.96
P/S 3.05
P/FCF N/A
P/OCF N/A
P/B 1.05
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)3.03
EY8.05%
EPS(NY)3.43
Fwd EY9.12%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)-1.07
OCFYN/A
SpS12.34
BVpS35.8
TBVpS27.2
PEG (NY)0.93
PEG (5Y)3.55
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 8.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.03%
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 RankSector Rank
Debt/Equity 2.14
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
WACC10.14%
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)-3.8%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%17.14%
EPS Next Y13.3%
EPS Next 2Y15.92%
EPS Next 3Y14.24%
EPS Next 5Y7.05%
Revenue 1Y (TTM)3.35%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%15.37%
Revenue Next Year6.76%
Revenue Next 2Y6.46%
Revenue Next 3Y5.64%
Revenue Next 5Y3.18%
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-119.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-119.57%
OCF growth 3YN/A
OCF growth 5YN/A