BANK OF AMERICA CORP(NYSE:BAC) stock Fundamental Analysis

Fundamental Rating

Overall BAC gets a fundamental rating of 2 out of 10. We evaluated BAC against 398 industry peers in the Banks industry. BAC has a bad profitability rating. Also its financial health evaluation is rather negative. BAC has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

BAC had positive earnings in the past year.

In the past year BAC has reported a negative cash flow from operations.

In the past 5 years BAC has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: BAC reported negative operating cash flow in multiple years.

1.2 Ratios

BAC has a worse Return On Assets (0.19%) than 88.19% of its industry peers.

With a Return On Equity value of 2.08%, BAC is not doing good in the industry: 86.18% of the companies in the same industry are doing better.

		Industry Rank	Sector 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

1.3 Margins

BAC has a worse Profit Margin (6.03%) than 87.44% of its industry peers.

In the last couple of years the Profit Margin of BAC has declined.

The Operating Margin and Gross Margin are not available for BAC so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BAC does not have a ROIC to compare to the WACC, probably because it is not profitable.

BAC has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, BAC has less shares outstanding

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

2.2 Solvency

BAC has a Debt/Equity ratio of 2.14. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 2.14, BAC is not doing good in the industry: 91.21% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.14
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.96%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BAC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.51%.

The Earnings Per Share has been growing slightly by 3.50% on average over the past years.

Looking at the last year, BAC 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%5.35%

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 Y13.04%

EPS Next 2Y15.9%

EPS Next 3Y14.47%

EPS Next 5Y6.91%

Revenue Next Year5.96%

Revenue Next 2Y6.03%

Revenue Next 3Y5.05%

Revenue Next 5Y3.75%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.13 indicates a reasonable valuation of BAC.

The rest of the industry has a similar Price/Earnings ratio as BAC.

Compared to an average S&P500 Price/Earnings ratio of 28.29, BAC is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.47, the valuation of BAC can be described as very reasonable.

Based on the Price/Forward Earnings ratio, BAC is valued a bit cheaper than 73.62% of the companies in the same industry.

BAC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.08.

		Industry Rank	Sector Rank
PE	11.13
Fwd PE	8.47

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

BAC's 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 BAC's earnings are expected to grow with 14.47% in the coming years.

PEG (NY)0.85

PEG (5Y)3.18

EPS Next 2Y15.9%

EPS Next 3Y14.47%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.78%, BAC has a reasonable but not impressive dividend return.

BAC's Dividend Yield is slightly below the industry average, which is at 3.70.

Compared to an average S&P500 Dividend Yield of 2.52, BAC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.78%

5.2 History

The dividend of BAC is nicely growing with an annual growth rate of 13.83%!

BAC has paid a dividend for at least 10 years, which is a reliable track record.

BAC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)13.83%

Div Incr Years11

Div Non Decr Years15

5.3 Sustainability

154.72% of the earnings are spent on dividend by BAC. This is not a sustainable payout ratio.

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

DP154.72%

EPS Next 2Y15.9%

EPS Next 3Y14.47%

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BANK OF AMERICA CORP

NYSE:BAC (4/17/2025, 8:04:00 PM)

After market: 37.44 +0.03 (+0.08%)

37.41

+0.08 (+0.21%)

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 Change0.02%

Ins Owners0.12%

Ins Owner Change0.74%

Market Cap282.82B

Analysts81.43

Price Target51.82 (38.52%)

Short Float %1.14%

Short Ratio2.03

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.78%

Yearly Dividend1.23

Dividend Growth(5Y)13.83%

DP154.72%

Div Incr Years11

Div Non Decr Years15

Ex-Date03-07 2025-03-07 (0.26)

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)5

Avg Revenue beat(8)-0.4%

Revenue beat(12)6

Avg Revenue beat(12)-0.18%

Revenue beat(16)8

Avg Revenue beat(16)-0.06%

PT rev (1m)-1.11%

PT rev (3m)4.27%

EPS NQ rev (1m)0.94%

EPS NQ rev (3m)-3.58%

EPS NY rev (1m)-0.24%

EPS NY rev (3m)0.31%

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 Rank	Sector Rank
PE	11.13
Fwd PE	8.47
P/S	2.79
P/FCF	N/A
P/OCF	N/A
P/B	0.96
P/tB	1.27
EV/EBITDA	N/A

EPS(TTM)3.36

EY8.98%

EPS(NY)4.42

Fwd EY11.81%

FCF(TTM)-1.16

FCFYN/A

OCF(TTM)-1.16

OCFYN/A

SpS13.4

BVpS38.88

TBVpS29.53

PEG (NY)0.85

PEG (5Y)3.18

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC11.96%

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 Y13.04%

EPS Next 2Y15.9%

EPS Next 3Y14.47%

EPS Next 5Y6.91%

Revenue 1Y (TTM)5.39%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%5.35%

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

BANK OF AMERICA CORP (BAC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens