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

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

34.485  +1.15 (+3.45%)

Fundamental Rating

2

Taking everything into account, 1BAC scores 2 out of 10 in our fundamental rating. 1BAC was compared to 95 industry peers in the Banks industry. 1BAC has a bad profitability rating. Also its financial health evaluation is rather negative. 1BAC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

1BAC had positive earnings in the past year.
In the past year 1BAC has reported a negative cash flow from operations.
In the past 5 years 1BAC has always been profitable.
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 (0.19%) is worse than 86.32% of its industry peers.
1BAC has a worse Return On Equity (2.08%) than 86.32% of its industry peers.
Industry RankSector Rank
ROA 0.19%
ROE 2.08%
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

Looking at the Profit Margin, with a value of 6.03%, 1BAC is doing worse than 86.32% of the companies in the same industry.
In the last couple of years the Profit Margin of 1BAC has declined.
1BAC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 6.03%
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.
1BAC has less shares outstanding than it did 1 year ago.
1BAC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1BAC has a worse debt to assets ratio.
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.
The Debt to Equity ratio of 1BAC (2.14) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.35%
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

The Earnings Per Share has been growing slightly by 1.51% over the past year.
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 5.39% in the last year.
1BAC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.23% yearly.
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.
Based on estimates for the next years, 1BAC will show a small growth in Revenue. The Revenue will grow by 3.75% on average per year.
EPS Next Y11.9%
EPS Next 2Y14.26%
EPS Next 3Y12.9%
EPS Next 5Y6.91%
Revenue Next Year5.96%
Revenue Next 2Y6.03%
Revenue Next 3Y5.05%
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.
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

The Price/Earnings ratio is 11.73, which indicates a very decent valuation of 1BAC.
Based on the Price/Earnings ratio, 1BAC is valued expensively inside the industry as 81.05% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 28.64, 1BAC is valued rather cheaply.
A Price/Forward Earnings ratio of 9.17 indicates a reasonable valuation of 1BAC.
The rest of the industry has a similar Price/Forward Earnings ratio as 1BAC.
1BAC is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.73
Fwd PE 9.17
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as 1BAC's earnings are expected to grow with 12.90% in the coming years.
PEG (NY)0.99
PEG (5Y)3.35
EPS Next 2Y14.26%
EPS Next 3Y12.9%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.78%, 1BAC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.47, 1BAC's dividend is way lower than its industry peers. On top of this 90.53% of the companies listed in the same industry pay a better dividend than 1BAC!
Compared to an average S&P500 Dividend Yield of 2.52, 1BAC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.78%

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

1BAC pays out 154.72% of its income as dividend. This is not a sustainable payout ratio.
The dividend of 1BAC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP154.72%
EPS Next 2Y14.26%
EPS Next 3Y12.9%
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 (4/23/2025, 7:00:00 PM)

34.485

+1.15 (+3.45%)

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 Cap260.71B
Analysts81.43
Price Target46.65 (35.28%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly Dividend1.08
Dividend Growth(5Y)13.83%
DP154.72%
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)-6.18%
PT rev (3m)-0.79%
EPS NQ rev (1m)0.94%
EPS NQ rev (3m)-3.58%
EPS NY rev (1m)-1.24%
EPS NY rev (3m)-0.7%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 11.73
Fwd PE 9.17
P/S 2.92
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)2.94
EY8.53%
EPS(NY)3.76
Fwd EY10.91%
FCF(TTM)-1.02
FCFYN/A
OCF(TTM)-1.02
OCFYN/A
SpS11.81
BVpS34.25
TBVpS26.02
PEG (NY)0.99
PEG (5Y)3.35
Profitability
Industry RankSector Rank
ROA 0.19%
ROE 2.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.03%
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-Score6
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-Score6
WACC11.35%
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 Y11.9%
EPS Next 2Y14.26%
EPS Next 3Y12.9%
EPS Next 5Y6.91%
Revenue 1Y (TTM)5.39%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%5.91%
Revenue Next Year5.96%
Revenue Next 2Y6.03%
Revenue Next 3Y5.05%
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-119.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-119.57%
OCF growth 3YN/A
OCF growth 5YN/A