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

Fundamental Rating

NCB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 98 industry peers in the Banks industry. NCB may be in some trouble as it scores bad on both profitability and health. NCB is quite expensive at the moment. It does show a decent growth rate.

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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.

Each year in the past 5 years NCB has 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

NCB has a Return On Assets of 0.66%. This is comparable to the rest of the industry: NCB outperforms 45.45% of its industry peers.

Looking at the Return On Equity, with a value of 7.40%, NCB is doing worse than 63.64% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.66%
ROE	7.4%
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

With a Profit Margin value of 22.28%, NCB perfoms like the industry average, outperforming 51.14% of the companies in the same industry.

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

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)	22.28%
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.

NCB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for NCB is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.46 is on the high side and indicates that NCB has dependencies on debt financing.

NCB has a worse Debt to Equity ratio (2.46) than 62.50% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.46
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.04%

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

NCB 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, 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 3.35%.

Measured over the past years, NCB shows a small growth in Revenue. The Revenue has been growing by 2.23% on average per year.

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

NCB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.05% yearly.

NCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.18% yearly.

EPS Next Y13.28%

EPS Next 2Y15.85%

EPS Next 3Y14.2%

EPS Next 5Y7.05%

Revenue Next Year6.38%

Revenue Next 2Y6.16%

Revenue Next 3Y5.13%

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.

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

NCB is valuated correctly with a Price/Earnings ratio of 14.13.

Based on the Price/Earnings ratio, NCB is valued expensively inside the industry as 93.18% of the companies are valued cheaper.

NCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.47.

The Price/Forward Earnings ratio is 12.46, which indicates a correct valuation of NCB.

NCB's Price/Forward Earnings ratio is rather expensive when compared to the industry. NCB is more expensive than 80.68% of the companies in the same industry.

NCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.13
Fwd PE	12.46

4.2 Price Multiples

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

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

NCB's earnings are expected to grow with 14.20% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.06

PEG (5Y)4.04

EPS Next 2Y15.85%

EPS Next 3Y14.2%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.23%, NCB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.05, NCB's dividend is way lower than its industry peers. On top of this 89.77% 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 2.28.

		Industry Rank	Sector Rank
Dividend Yield	2.23%

5.2 History

The dividend of NCB is nicely growing with an annual growth rate of 10.60%!

Dividend Growth(5Y)10.6%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

43.12% of the earnings are spent on dividend by NCB. This is a bit on the high side, but may be sustainable.

NCB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP43.12%

EPS Next 2Y15.85%

EPS Next 3Y14.2%

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BANK OF AMERICA CORP

FRA:NCB (2/5/2025, 5:27:14 PM)

44.93

-0.45 (-1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-16 2025-01-16/bmo

Earnings (Next)N/A N/A

Inst Owners60.7%

Inst Owner ChangeN/A

Ins Owners0.13%

Ins Owner ChangeN/A

Market Cap344.74B

Analysts78.57

Price Target48.84 (8.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.23%

Yearly Dividend1.14

Dividend Growth(5Y)10.6%

DP43.12%

Div Incr Years6

Div Non Decr Years6

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.82%

Min EPS beat(2)3.15%

Max EPS beat(2)4.48%

EPS beat(4)4

Avg EPS beat(4)4.46%

Min EPS beat(4)1.6%

Max EPS beat(4)8.61%

EPS beat(8)8

Avg EPS beat(8)6.75%

EPS beat(12)12

Avg EPS beat(12)6.15%

EPS beat(16)16

Avg EPS beat(16)8.21%

Revenue beat(2)1

Avg Revenue beat(2)0.03%

Min Revenue beat(2)-0.19%

Max Revenue beat(2)0.26%

Revenue beat(4)2

Avg Revenue beat(4)-1.69%

Min Revenue beat(4)-7.83%

Max Revenue beat(4)1.01%

Revenue beat(8)4

Avg Revenue beat(8)-0.46%

Revenue beat(12)5

Avg Revenue beat(12)-0.35%

Revenue beat(16)7

Avg Revenue beat(16)-0.31%

PT rev (1m)3.89%

PT rev (3m)13.07%

EPS NQ rev (1m)-1.64%

EPS NQ rev (3m)-2.3%

EPS NY rev (1m)0.52%

EPS NY rev (3m)0.61%

Revenue NQ rev (1m)-0.04%

Revenue NQ rev (3m)-0.03%

Revenue NY rev (1m)1.38%

Revenue NY rev (3m)1.35%

Valuation

		Industry Rank	Sector Rank
PE	14.13
Fwd PE	12.46
P/S	3.62
P/FCF	N/A
P/OCF	N/A
P/B	1.2
P/tB	1.58
EV/EBITDA	N/A

EPS(TTM)3.18

EY7.08%

EPS(NY)3.61

Fwd EY8.03%

FCF(TTM)-0.25

FCFYN/A

OCF(TTM)-0.25

OCFYN/A

SpS12.42

BVpS37.39

TBVpS28.45

PEG (NY)1.06

PEG (5Y)4.04

Profitability

		Industry Rank	Sector Rank
ROA	0.66%
ROE	7.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.28%
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-Score2

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.46
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-Score2

WACC10.04%

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 Y13.28%

EPS Next 2Y15.85%

EPS Next 3Y14.2%

EPS Next 5Y7.05%

Revenue 1Y (TTM)3.35%

Revenue growth 3Y4.57%

Revenue growth 5Y2.23%

Sales Q2Q%15.37%

Revenue Next Year6.38%

Revenue Next 2Y6.16%

Revenue Next 3Y5.13%

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-104.61%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-104.61%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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