Bank of America Corporation (BAC)

NYSE: BAC · USD

$50.9

+0.22 (+0.4%)· Recorded snapshot

영어 원본으로 대체KO

번역하는 동안 영어 원본을 표시 중

이 리포트는 아직 번역되지 않았습니다. 번역 대기열이 따라잡으면 몇 분 후에 새로고침하세요.

StockMarketAgent Research · Analyzed 2026-09-09

Our latest published analysis: BAC rated Sell

Bank of America Corporation's published Sell conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$42.7 / share

Potential value

$54.0 / share

Upside to FV

-31.6%

from $50.9

Moat

5.3/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$438.3B
Revenue (ttm)	114.9B
Net income (ttm)	30.8B
EPS (ttm)	$4.20
Shares out	6.9B
P/E (trailing)	12.1x
P/E (forward)	12.1x
Dividend	$1.28 (2.52%)
Volume	19,220,714
Beta	1.21

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 114.9B
Net income (ttm): 30.8B
EPS (ttm): $4.20
P/E (trailing): 12.1x
P/E (forward): 12.1x
Market cap: $438.3B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$89.11B	$94.95B	$102.77B	$105.86B	$113.10B	+6.1%
Gross profit	$84.52B	$92.41B	$94.19B	$96.07B	$107.42B	+6.2%
Operating income	$33.98B	$30.97B	$28.34B	$29.25B	$37.70B	+2.6%
Net income	$31.98B	$27.53B	$26.31B	$26.97B	$30.51B	-1.2%
EPS (diluted)	$3.57	$3.19	$3.05	$3.19	$3.81	+1.6%
EBITDA	$35.87B	$32.95B	$30.37B	$31.44B	$40.01B	+2.8%
R&D	—	—	—	—	—	—
SG&A	$7.54B	$8.42B	$8.87B	$44.17B	$46.12B	+57.2%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유
AJG	Arthur J. Gallagher & Co.	66.7B	43.2x	4.4x	6.6%	+15.3%	-5.7%	매수
ALL	The Allstate Corporation	63.2B	5.0x	0.9x	32.6%	+8.5%	+31.8%	적극 매수
AMP	Ameriprise Financial, Inc.	43.1B	11.8x	2.2x	43.0%	+8.9%	+1.1%	매수

Base and Bull scenarios

Base55%

Price target

$42.67

-31.6% from spot

Revenue and EPS meet their FY2027 forecast anchors, while later growth remains conditional. A revenue miss or sustained margin compression would disconfirm this path by FY2027.

FY2027 revenue and EPS track analyst means.
Normalized profitability holds without material expansion. This is a scenario assumption, not a reported outcome.

Bull20%

Price target

$53.99

-13.5% from spot

Faster earnings-per-share growth, rather than valuation expansion alone, drives the higher outcome. Capacity constraints or weaker revisions would disconfirm it.

Revenue and EPS approach the upper analyst ranges.
Core loan and deposit capacity persists; management's statement does not establish a future share-count path.

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($42.67). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	1.5%	2.0%	2.5%	3.0%	3.5%
7.3%	$50.9	$51.9	$53.0	$54.4	$56.2
8.3%	$46.0	$46.5	$47.1	$47.8	$48.6
9.3%	$42.2	$42.4	$42.7	$43.0	$43.3
10.3%	$39.1	$39.1	$39.2	$39.3	$39.4
11.3%	$36.5	$36.4	$36.4	$36.3	$36.3

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.1

P25 n/aP50 n/aP75 n/a

Trailing P/E14.5

P25 n/aP50 n/aP75 n/a

ROE10.7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BAC indicators

Market & fundamental data

Available fields

248

Groups with data

Currency

USD

Showing 248 of 248 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000070858
Company name	Bank of America Corporation
Country	United States
Country code	US
CUSIP number	060505104
Earnings date	2026-10-14
Earnings time	bmo
Employees	209,911
Employees change	-3,089
Employees growth	-1.45%
Enterprise value	$106.9B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1784
In index	SP500
Industry	Banks - Diversified
Is primary listing	Yes
Is SPAC	No
ISIN number	US0605051046
Last 10-K release date	2026-02-25
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	$352.4B
Market cap category	Mega-Cap
Next earnings date	2027-01-15
Options	Yes
Price	$50.90
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	BAC
U.S. state	North Carolina
Website	https://www.bankofamerica.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	11.62x
Average P/E ratio (10Y)	12.2x
Average P/E ratio (3Y)	12.84x
Average P/E ratio (5Y)	11.52x
Earnings yield	8.25%
EV/Earnings	3.5x
EV/FCF	1.14x
EV/Sales	0.94x
FCF / EV yield	88.1%
FCF yield	26.84%
Forward EV/Sales	0.84x
Forward P/E	10.17x
Forward P/S	2.75x
Graham number	60.89111
Graham upside	19.42%
Industry forward P/E	11.84x
Industry P/E	13.41x
Lynch fair value	$20.99
Lynch upside	-58.84%
P/B ratio	1.29x
P/E ratio	12.13x
P/FCF ratio	3.73x
P/OCF ratio	3.73x
P/S ratio	3.07x
PEG ratio	0.71x
Price / tangible book value	1.74x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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	$146,553
Profitable quarters	47
Profitable years	15
Revenue per employee	$547,256
ROA	0.94%
ROA (5Y)	0.91%
ROE	10.73%
ROE (5Y)	10.13%
Tax / revenue	7.24%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EPS	$4.20
FCF per share	$13.69
Financing cash flow	$-46.8B
Free cash flow	$94.7B
Gross profit	$114.9B
Income taxes	$8.3B
Investing cash flow	$-82.4B
Net borrowing	$-25.9B
Net cash flow	$-36.3B
Net income	$30.8B
Operating income	$40.6B
Revenue	$114.9B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$39.26
Debt / equity	2.51
Debt / FCF	7.87
Goodwill	$69B
Net cash (debt)	$245.4B
Net cash / market cap	69.53%
Net cash growth	2,104.29%
Net debt / equity	-0.83
Net debt / FCF	-2.59
Piotroski F-Score	4
Property, plant and equipment	$13.9B
Shareholders' equity	$296.7B
Tangible book value	$202.7B
Tangible book value per share	$29.29
Total assets	$3.4T
Total cash	$991B
Total debt	$745.6B
Total liabilities	$3.1T
WACC	3.51%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.7T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	4.57%
Dividend growth	11.11%
Dividend growth (10Y)	16.98%
Dividend growth (3Y)	9.26%
Dividend growth (5Y)	9%
Dividend growth years	12
Dividend payment date	2026-12-24
Dividend payment years	56
Dividend payout frequency	Quarterly
Dividend per share	$1.28
Dividend yield	2.52%
Ex-dividend date	2026-12-04
FCF payout ratio	9.35%
Last dividend	$0.32
Payout ratio	30.49%
Shareholder yield	7.08%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	200.47%
10Y return CAGR	14.15%
10Y total return	275.63%
150-day SMA	$56.22
15Y price change	603.74%
15Y return CAGR	15.92%
15Y total return	816.59%
1D price change	0.43%
1M price change	-10.39%
1M total return	-10.39%
1W price change	0.34%
1W total return	0.34%
1Y price change	-4.17%
1Y return CAGR	-2.13%
1Y total return	-2.13%
20-day SMA	$52.27
200-day SMA	$54.98
20Y price change	-5.38%
20Y return CAGR	1.8%
20Y total return	42.96%
3M price change	-18.22%
3M total return	-17.8%
3Y price change	101.87%
3Y return CAGR	29.44%
3Y total return	116.91%
50-day SMA	$56.91
50-day SMA vs 200-day SMA	50over200
52-week high	$65.23
52-week high date	2026-08-17
52-week low	$46.12
52-week low date	2026-03-19
5Y price change	8.01%
5Y return CAGR	4.07%
5Y total return	22.08%
6M price change	-3.46%
6M total return	-2.46%
After-hours change	-0.1%
After-hours close	$50.90
After-hours price	$50.85
All-time high	$65.23
All-time high date	2026-08-17
All-time low	$1.25
All-time low date	1980-03-10
Average true range (ATR)	$1.12
Average volume	41M
Beta (1Y)	0.79
Beta (2Y)	1.16
Beta (5Y)	1.21
Change from 52-week high	-21.96%
Change from 52-week low	10.38%
Change from all-time high	-22.1%
Change from all-time low	3,964.8%
Change from open	-0.04%
Day's gap	0.47%
Dollar volume	$978.3M
High price	$51.21
Low price	$50.62
Monthly RSI	51.51
Open price	$50.92
Position in 52-week range	47.46%
Premarket change	0.1%
Premarket close	$50.68
Premarket price	$50.73
Premarket volume	77.5K
Previous close	$50.68
Price vs 150-day SMA	-9.62%
Price vs 20-day SMA	-2.79%
Price vs 200-day SMA	-7.59%
Price vs 50-day SMA	-10.72%
Relative volume	0.47
RSI	29.32
Sharpe ratio	-0.18
Sharpe ratio (3Y)	0.99
Sharpe ratio (5Y)	0.13
Sortino ratio	0.01
Sortino ratio (3Y)	1.67
Sortino ratio (5Y)	0.4
Volume	19.2M
Weekly RSI	37.3
YTD price change	-7.62%
YTD total return	-6.14%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	6.9B
Float percentage	99.6%
Shares change (QoQ)	-0.99%
Shares change (YoY)	-4.57%
Shares held by insiders	0.17%
Shares held by institutions	71.23%
Shares outstanding	6.9B
Short % of float	1.24%
Short % of shares	1.24%
Short ratio	2.3 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	447

Deeper analysis on BAC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this BAC report

What is the latest published BAC stock rating?

Bank of America Corporation is shown with Sell in the latest published report, analyzed 2026-09-09. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full BAC analysis?

The full latest published report, analyzed 2026-09-09, lives at /stocks/BAC/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for BAC?

The latest published report analyzed 2026-09-09 gives BAC a fair value of USD 43 and a potential value of USD 54. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the BAC page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-09). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

SellBAC · Fair value $42.7-31.6%

Read full analysis →

Bank of America Corporation (BAC)

Our latest published analysis: BAC rated Sell

Price

Financial snapshot

Fair-value bridge

Latest news · BAC

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All BAC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on BAC

Frequently asked questions

등급 이력

Category	Score	Reading
Valuation	1.5
Management	6.5
Balance Sheet	5.0
Profitability	6.5
Revenue Growth	7.5
Risk Assessment	6.0
Competitive Moat	5.3
Earnings Quality	4.5
Capital Efficiency	4.0