BANK OF AMERICA CORP (NCB.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:NCB - US0605051046 - Common Stock
47.565 EUR
+0.02 (+0.05%)
We assign a fundamental rating of 3 out of 10 to NCB. NCB was compared to 114 industry peers in the Banks industry. NCB has a bad profitability rating. Also its financial health evaluation is rather negative. NCB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
NCB had positive earnings in the past year.
In the past year NCB had a positive cash flow from operations.
NCB had positive earnings in each of the past 5 years.
In multiple years NCB reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.83%, NCB is in line with its industry, outperforming 52.63% of the companies in the same industry.
With a Return On Equity value of 9.29%, NCB perfoms like the industry average, outperforming 42.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.29% | ||
| 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 decent Profit Margin value of 26.34%, NCB is doing good in the industry, outperforming 66.67% of the companies in the same industry.
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) | 26.34% | ||
| 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
2. Health
2.1 Basic Checks
NCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NCB has been reduced compared to 1 year ago.
Compared to 5 years ago, NCB has less shares outstanding
The debt/assets ratio for NCB is higher compared to a year ago.
2.2 Solvency
NCB has a debt to FCF ratio of 11.51. This is a negative value and a sign of low solvency as NCB would need 11.51 years to pay back of all of its debts.
NCB has a better Debt to FCF ratio (11.51) than 74.56% of its industry peers.
NCB has a Debt/Equity ratio of 2.33. This is a high value indicating a heavy dependency on external financing.
NCB has a Debt to Equity ratio of 2.33. This is comparable to the rest of the industry: NCB outperforms 42.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.77% over the past year.
NCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.50% yearly.
Looking at the last year, NCB shows a quite strong growth in Revenue. The Revenue has grown by 8.90% in the last year.
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)15.77%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%30.86%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
3.2 Future
The Earnings Per Share is expected to grow by 13.96% on average over the next years. This is quite good.
Based on estimates for the next years, NCB will show a small growth in Revenue. The Revenue will grow by 5.54% on average per year.
EPS Next Y16.91%
EPS Next 2Y15.64%
EPS Next 3Y15.45%
EPS Next 5Y13.96%
Revenue Next Year7.52%
Revenue Next 2Y6.87%
Revenue Next 3Y6.26%
Revenue Next 5Y5.54%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.29, 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 80.70% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. NCB is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 12.74, which indicates a correct valuation of NCB.
Based on the Price/Forward Earnings ratio, NCB is valued a bit more expensive than 74.56% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.03. NCB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.29 | ||
| Fwd PE | 12.74 |
4.2 Price Multiples
NCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NCB is cheaper than 78.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.66 | ||
| EV/EBITDA | N/A |
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 NCB's earnings are expected to grow with 15.45% in the coming years.
PEG (NY)0.9
PEG (5Y)4.37
EPS Next 2Y15.64%
EPS Next 3Y15.45%
5. Dividend
5.1 Amount
NCB has a Yearly Dividend Yield of 2.05%.
With a Dividend Yield of 2.05, NCB pays less dividend than the industry average, which is at 4.12. 84.21% 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
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
33.55% of the earnings are spent on dividend by NCB. This is a low number and sustainable payout ratio.
NCB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP33.55%
EPS Next 2Y15.64%
EPS Next 3Y15.45%
FRA:NCB (12/23/2025, 7:00:00 PM)
47.565
+0.02 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners69.82%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap347.34B
Revenue(TTM)107.26B
Net Income(TTM)28.25B
Analysts80.67
Price Target50.7 (6.59%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
Yearly Dividend1.05
Dividend Growth(5Y)13.83%
DP33.55%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.64%
Min EPS beat(2)2.97%
Max EPS beat(2)10.3%
EPS beat(4)4
Avg EPS beat(4)6.88%
Min EPS beat(4)2.97%
Max EPS beat(4)10.3%
EPS beat(8)8
Avg EPS beat(8)5.67%
EPS beat(12)12
Avg EPS beat(12)6.79%
EPS beat(16)16
Avg EPS beat(16)6.33%
Revenue beat(2)1
Avg Revenue beat(2)0.13%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)1.67%
Revenue beat(4)3
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-1.41%
Max Revenue beat(4)1.67%
Revenue beat(8)5
Avg Revenue beat(8)-0.67%
Revenue beat(12)7
Avg Revenue beat(12)-0.19%
Revenue beat(16)8
Avg Revenue beat(16)-0.17%
PT rev (1m)2.6%
PT rev (3m)12.43%
EPS NQ rev (1m)-1.38%
EPS NQ rev (3m)1.36%
EPS NY rev (1m)-0.23%
EPS NY rev (3m)3.86%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)1.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.29 | ||
| Fwd PE | 12.74 | ||
| P/S | 3.82 | ||
| P/FCF | 6.66 | ||
| P/OCF | 6.66 | ||
| P/B | 1.35 | ||
| P/tB | 1.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.11
EY6.54%
EPS(NY)3.73
Fwd EY7.85%
FCF(TTM)7.14
FCFY15.02%
OCF(TTM)7.14
OCFY15.02%
SpS12.46
BVpS35.34
TBVpS27.32
PEG (NY)0.9
PEG (5Y)4.37
Graham Number49.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 9.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.34% | ||
| GM | N/A | ||
| FCFM | 57.31% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.33 | ||
| Debt/FCF | 11.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 217.57% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC10.62%
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)15.77%
EPS 3Y-0.4%
EPS 5Y3.5%
EPS Q2Q%30.86%
EPS Next Y16.91%
EPS Next 2Y15.64%
EPS Next 3Y15.45%
EPS Next 5Y13.96%
Revenue 1Y (TTM)8.9%
Revenue growth 3Y4.57%
Revenue growth 5Y2.23%
Sales Q2Q%10.79%
Revenue Next Year7.52%
Revenue Next 2Y6.87%
Revenue Next 3Y6.26%
Revenue Next 5Y5.54%
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 1Y42.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y42.11%
OCF growth 3YN/A
OCF growth 5YN/A
BANK OF AMERICA CORP / NCB.DE FAQ
Can you provide the ChartMill fundamental rating for BANK OF AMERICA CORP?
ChartMill assigns a fundamental rating of 3 / 10 to NCB.DE.
Can you provide the valuation status for BANK OF AMERICA CORP?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF AMERICA CORP (NCB.DE). This can be considered as Fairly Valued.
What is the profitability of NCB stock?
BANK OF AMERICA CORP (NCB.DE) has a profitability rating of 3 / 10.
What is the financial health of BANK OF AMERICA CORP (NCB.DE) stock?
The financial health rating of BANK OF AMERICA CORP (NCB.DE) is 2 / 10.
Can you provide the dividend sustainability for NCB stock?
The dividend rating of BANK OF AMERICA CORP (NCB.DE) is 4 / 10 and the dividend payout ratio is 33.55%.