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FRA/NCB (FRA/NCB)

Frankfurt Stock Exchange: FRA/NCB · EUR

€45.5

+0.01 (+0.0%)· Recorded snapshot

Market cap	312.8B
Revenue (ttm)	101.2B
Net income (ttm)	27.1B
EPS (ttm)	€3.77
P/E (trailing)	12.1x
P/E (forward)	10.0x
Dividend	€1.04 (2.29%)
Volume	700

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 101.2B
Net income (ttm): 27.1B
EPS (ttm): €3.77
P/E (trailing): 12.1x
P/E (forward): 10.0x
Market cap: 312.8B

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-14
Employees	209,911
Employees change	-1,000
Employees growth	-0.47%
Exchange	Frankfurt Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1784
Industry	Banks - Diversified
Is primary listing	No
ISIN number	US0605051046
Last earnings date	2026-10-14
Last refreshed	2026-10-28
Last stock split date	2004-08-30
Last stock split type	Forward
Market cap	EUR 312.8B
Next earnings date	2027-01-15
Price	EUR 45.52
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-27
Symbol	fra/NCB
Website	https://www.bankofamerica.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-14

Employees

209,911

Employees change

-1,000

Employees growth

-0.47%

Exchange

Frankfurt Stock Exchange

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

December

Founded

1784

Industry

Banks - Diversified

Is primary listing

ISIN number

US0605051046

Last earnings date

2026-10-14

Last refreshed

2026-10-28

Last stock split date

2004-08-30

Last stock split type

Forward

Market cap

EUR 312.8B

Next earnings date

2027-01-15

Price

EUR 45.52

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-27

Symbol

fra/NCB

Website

https://www.bankofamerica.com

Metric	Value
Average P/E ratio (10Y)	12.2x
Average P/E ratio (3Y)	12.84x
Average P/E ratio (5Y)	11.52x
Earnings yield	8.27%
FCF yield	27.17%
Forward P/E	10.01x
Graham number	58.07174
Graham upside	27.62%
Lynch fair value	EUR 19.71
Lynch upside	-56.69%
P/B ratio	1.2x
P/E ratio	12.08x
P/FCF ratio	3.68x
P/OCF ratio	3.68x
P/S ratio	3.09x
Price / tangible book value	1.75x
Sector forward P/E	11.95x
Sector P/E	12.95x

Metric

Value

Average P/E ratio (10Y)

12.2x

Average P/E ratio (3Y)

12.84x

Average P/E ratio (5Y)

11.52x

Earnings yield

8.27%

FCF yield

27.17%

Forward P/E

10.01x

Graham number

58.07174

Graham upside

27.62%

Lynch fair value

EUR 19.71

Lynch upside

-56.69%

P/B ratio

1.2x

P/E ratio

12.08x

P/FCF ratio

3.68x

P/OCF ratio

3.68x

P/S ratio

3.09x

Price / tangible book value

1.75x

Sector forward P/E

11.95x

Sector P/E

12.95x

Metric	Value
Effective tax rate	20.51%
FCF margin	83.16%
Operating margin	35.31%
Pretax margin	35.31%
Profit margin	28.06%
Profit per employee	EUR 129,054
Profitable quarters	47
Profitable years	15
Revenue per employee	EUR 481,913
ROA	0.94%
ROA (5Y)	0.91%
ROE	10.73%
ROE (5Y)	10.13%
Tax / revenue	7.24%

Metric

Value

Effective tax rate

20.51%

FCF margin

83.16%

Operating margin

35.31%

Pretax margin

35.31%

Profit margin

28.06%

Profit per employee

EUR 129,054

Profitable quarters

Profitable years

Revenue per employee

EUR 481,913

ROA

0.94%

ROA (5Y)

0.91%

ROE

10.73%

ROE (5Y)

10.13%

Tax / revenue

7.24%

Metric	Value
EPS growth	15.35%
EPS growth (Q)	-14.27%
EPS growth (QoQ)	-24.61%
EPS growth 10Y	11.87%
EPS growth 3Y	5.53%
EPS growth 5Y	4.68%
EPS growth quarters	7
EPS growth years	2
FCF growth 3Y	28.51%
Net income growth	9.26%
Net income growth (Q)	-18.14%
Net income growth (QoQ)	-25.23%
Net income growth 3Y	2.07%
Net income growth 5Y	1.19%
Net income growth quarters	7
Net income growth years	2
OCF growth 10Y	5.1%
OCF growth 3Y	28.51%
Revenue growth	7.09%
Revenue growth (Q)	7.08%
Revenue growth (QoQ)	-4.98%
Revenue growth 10Y	3.73%
Revenue growth 3Y	5.88%
Revenue growth 5Y	4.72%
Revenue growth quarters	9
Revenue growth years	5

Metric

Value

EPS growth

15.35%

EPS growth (Q)

-14.27%

EPS growth (QoQ)

-24.61%

EPS growth 10Y

11.87%

EPS growth 3Y

5.53%

EPS growth 5Y

4.68%

EPS growth quarters

EPS growth years

FCF growth 3Y

28.51%

Net income growth

9.26%

Net income growth (Q)

-18.14%

Net income growth (QoQ)

-25.23%

Net income growth 3Y

2.07%

Net income growth 5Y

1.19%

Net income growth quarters

Net income growth years

OCF growth 10Y

5.1%

OCF growth 3Y

28.51%

Revenue growth

7.09%

Revenue growth (Q)

7.08%

Revenue growth (QoQ)

-4.98%

Revenue growth 10Y

3.73%

Revenue growth 3Y

5.88%

Revenue growth 5Y

4.72%

Revenue growth quarters

Revenue growth years

Metric	Value
EPS	EUR 3.77
Financing cash flow	EUR -41.9B
Free cash flow	EUR 85B
Gross profit	EUR 101.2B
Income taxes	EUR 7.3B
Investing cash flow	EUR -73.9B
Net borrowing	EUR -23.2B
Net cash flow	EUR -32.5B
Net income	EUR 27.1B
Operating income	EUR 35.7B
Revenue	EUR 101.2B

Metric

Value

EPS

EUR 3.77

Financing cash flow

EUR -41.9B

Free cash flow

EUR 85B

Gross profit

EUR 101.2B

Income taxes

EUR 7.3B

Investing cash flow

EUR -73.9B

Net borrowing

EUR -23.2B

Net cash flow

EUR -32.5B

Net income

EUR 27.1B

Operating income

EUR 35.7B

Revenue

EUR 101.2B

Metric	Value
Book value per share	EUR 34.57
Debt / equity	2.51
Debt / FCF	7.73
Goodwill	EUR 61.9B
Net cash (debt)	EUR 216.1B
Net cash / market cap	69.11%
Net cash growth	2,104.29%
Net debt / equity	-0.83
Net debt / FCF	-2.54
Piotroski F-Score	4
Property, plant and equipment	EUR 12.5B
Shareholders' equity	EUR 261.3B
Tangible book value	EUR 178.5B
Tangible book value per share	EUR 25.79
Total assets	EUR 3T
Total cash	EUR 872.7B
Total debt	EUR 656.6B
Total liabilities	EUR 2.8T

Metric

Value

Book value per share

EUR 34.57

Debt / equity

2.51

Debt / FCF

7.73

Goodwill

EUR 61.9B

Net cash (debt)

EUR 216.1B

Net cash / market cap

69.11%

Net cash growth

2,104.29%

Net debt / equity

-0.83

Net debt / FCF

-2.54

Piotroski F-Score

Property, plant and equipment

EUR 12.5B

Shareholders' equity

EUR 261.3B

Tangible book value

EUR 178.5B

Tangible book value per share

EUR 25.79

Total assets

EUR 3T

Total cash

EUR 872.7B

Total debt

EUR 656.6B

Total liabilities

EUR 2.8T

Metric	Value
Working capital	EUR -1.5T

Metric

Value

Working capital

EUR -1.5T

Metric	Value
Buyback yield / dilution	4.57%
Dividend growth	10.17%
Dividend growth (10Y)	16.38%
Dividend growth (3Y)	7.06%
Dividend growth (5Y)	9.64%
Dividend growth years	12
Dividend payment date	2026-12-24
Dividend payment years	27
Dividend payout frequency	Quarterly
Dividend per share	EUR 1.04
Dividend yield	2.29%
Ex-dividend date	2026-12-04
Last dividend	EUR 0.29
Payout ratio	27.79%
Shareholder yield	6.86%

Metric

Value

Buyback yield / dilution

4.57%

Dividend growth

10.17%

Dividend growth (10Y)

16.38%

Dividend growth (3Y)

7.06%

Dividend growth (5Y)

9.64%

Dividend growth years

Dividend payment date

2026-12-24

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 1.04

Dividend yield

2.29%

Ex-dividend date

2026-12-04

Last dividend

EUR 0.29

Payout ratio

27.79%

Shareholder yield

6.86%

Metric	Value
10Y price change	196.66%
10Y return CAGR	14.01%
10Y total return	270.93%
150-day SMA	EUR 48.96
15Y price change	851.59%
15Y return CAGR	18.27%
15Y total return	1,139.97%
1D price change	0.03%
1M price change	-8.45%
1M total return	-8.45%
1W price change	-0.04%
1W total return	-0.04%
1Y price change	1.95%
1Y return CAGR	4.14%
1Y total return	4.14%
20-day SMA	EUR 47.00
200-day SMA	EUR 47.65
20Y price change	7.65%
20Y return CAGR	2.45%
20Y total return	62.21%
3M price change	-16.55%
3M total return	-16.12%
3Y price change	90.88%
3Y return CAGR	27.05%
3Y total return	105.11%
50-day SMA	EUR 50.26
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 56.27
52-week high date	2026-08-13
52-week low	EUR 40.13
52-week low date	2026-03-19
5Y price change	11.12%
5Y return CAGR	4.66%
5Y total return	25.59%
6M price change	1.84%
6M total return	2.9%
All-time high	EUR 56.27
All-time high date	2026-08-13
All-time low	EUR 2.05
All-time low date	2009-02-20
Average true range (ATR)	EUR 0.68
Average volume	510.3
Change from 52-week high	-19.1%
Change from 52-week low	13.45%
Change from all-time high	-19.13%
Change from all-time low	2,119.76%
Change from open	0.49%
Day's gap	-0.46%
Dollar volume	EUR 31,864
High price	EUR 45.74
Low price	EUR 45.30
Monthly RSI	52.97
Open price	EUR 45.30
Position in 52-week range	50%
Previous close	EUR 45.51
Price vs 150-day SMA	-7.05%
Price vs 20-day SMA	-3.18%
Price vs 200-day SMA	-4.51%
Price vs 50-day SMA	-9.46%
Relative volume	1.37
RSI	33.54
Sharpe ratio	0.06
Sharpe ratio (3Y)	0.82
Sharpe ratio (5Y)	0.16
Sortino ratio	0.3
Sortino ratio (3Y)	1.38
Sortino ratio (5Y)	0.41
Volume	700
Weekly RSI	38.61
YTD price change	-3.28%
YTD total return	-1.72%

Metric

Value

10Y price change

196.66%

10Y return CAGR

14.01%

10Y total return

270.93%

150-day SMA

EUR 48.96

15Y price change

851.59%

15Y return CAGR

18.27%

15Y total return

1,139.97%

1D price change

0.03%

1M price change

-8.45%

1M total return

-8.45%

1W price change

-0.04%

1W total return

-0.04%

1Y price change

1.95%

1Y return CAGR

4.14%

1Y total return

4.14%

20-day SMA

EUR 47.00

200-day SMA

EUR 47.65

20Y price change

7.65%

20Y return CAGR

2.45%

20Y total return

62.21%

3M price change

-16.55%

3M total return

-16.12%

3Y price change

90.88%

3Y return CAGR

27.05%

3Y total return

105.11%

50-day SMA

EUR 50.26

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 56.27

52-week high date

2026-08-13

52-week low

EUR 40.13

52-week low date

2026-03-19

5Y price change

11.12%

5Y return CAGR

4.66%

5Y total return

25.59%

6M price change

1.84%

6M total return

2.9%

All-time high

EUR 56.27

All-time high date

2026-08-13

All-time low

EUR 2.05

All-time low date

2009-02-20

Average true range (ATR)

EUR 0.68

Average volume

510.3

Change from 52-week high

-19.1%

Change from 52-week low

13.45%

Change from all-time high

-19.13%

Change from all-time low

2,119.76%

Change from open

0.49%

Day's gap

-0.46%

Dollar volume

EUR 31,864

High price

EUR 45.74

Low price

EUR 45.30

Monthly RSI

52.97

Open price

EUR 45.30

Position in 52-week range

50%

Previous close

EUR 45.51

Price vs 150-day SMA

-7.05%

Price vs 20-day SMA

-3.18%

Price vs 200-day SMA

-4.51%

Price vs 50-day SMA

-9.46%

Relative volume

1.37

RSI

33.54

Sharpe ratio

0.06

Sharpe ratio (3Y)

0.82

Sharpe ratio (5Y)

0.16

Sortino ratio

0.3

Sortino ratio (3Y)

1.38

Sortino ratio (5Y)

0.41

Volume

700

Weekly RSI

38.61

YTD price change

-3.28%

YTD total return

-1.72%

Metric	Value
Float	6.9B
Shares change (QoQ)	-0.99%
Shares change (YoY)	-4.57%
Shares held by insiders	0.17%
Shares held by institutions	71.23%
Short ratio	2.5 days

Metric

Value

Float

6.9B

Shares change (QoQ)

-0.99%

Shares change (YoY)

-4.57%

Shares held by insiders

0.17%

Shares held by institutions

71.23%

Short ratio

2.5 days

FRA/NCB (FRA/NCB)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/NCB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/NCB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FRA/NCB

Frequently asked questions