BAC
Bank of America
$62.97
▼ 0.0%Updated Aug 7, 11:30 AM ET
BAC at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 72/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 24.7% over the last 12 months
Market Cap
$416.78B
P/E
14.07x
Forward P/E (est.)
11.86x
ROE
10.5%
Revenue Growth
99.4%
EPS Growth
18.6%
Profit Margin
30.2%
FCF Yield
6.7%
Debt / Equity
2.33x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.0%
Implied Growth (rev. DCF)
—
Rating Score
72/100
Bank of America (BAC) is a mega-cap company in the Diversified Banks industry, part of the Financials sector of the S&P 500, with a market value around $416.78B.
In its latest reported year it generated about $113.10B in revenue and $30.51B in net profit.
Our model rates BAC Strong (72/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BAC's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BAC trades near $62.97, above its 50-day average ($53.65) and 200-day average ($52.58). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 73 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. BAC's is $1.21 (~1.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month BAC found buyers near $52.80 (support) and sellers near $59.20 (resistance); its 52-week range is $44.75–$59.20. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.8× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
6.1%
Revenue moved from $83.70B in 2016 to $113.10B in 2025, a 3.4% compound annual growth rate. The most recent year grew a strong 99.4% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
32.7%
Net Margin
27.0%
ROE
10.5%
Bank of America keeps about 30.2% of each sales dollar as net profit. Return on equity is 10.5%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$325.96B
Net Debt
$24.96B
Net Debt / EBITDA
—
Debt / Equity
2.33x
Leverage: debt-to-equity is 2.3x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $325.96B of total debt against $301.01B of cash.
Operating CF
$12.61B
Free Cash Flow
$12.61B
FCF Margin
11.2%
In the latest year Bank of America produced about $12.61B of operating cash flow and $12.61B of free cash flow after capital spending. That is a free-cash-flow yield of about 6.7% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
2.0%
Per share (latest FY)
$1.08
Total paid (latest FY)
$8.08B
History on record
10 years
dividend uses 64% of free cash flow
26% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
14.07x
P/S
2.48x
P/B
1.47x
EV / EBITDA
—
BAC trades at 14.1x trailing earnings (about 11.9x on estimated forward earnings), 2.5x sales, and 1.5x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where BAC sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BAC stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), BAC ranks #29 of 289 by our overall rating. It trades at roughly in line versus the sector on earnings (14.1x P/E vs. 15.8x median) with a lower return on equity (10.5% vs. 13.6%) and faster revenue growth (99.4% vs. 15.9%).
P/E vs sector
14.1x
median 15.8x
ROE vs sector
10.5%
median 13.6%
Growth vs sector
99.4%
median 15.9%
Sector rank
#29
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $62.97 today · expected CAGR 30% – 46%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $163.99B | $237.79B | $344.79B | $499.95B | $724.92B |
| Net income | $44.28B | $64.20B | $93.09B | $134.99B | $195.73B |
| EPS | $6.69 | $9.70 | $14.07 | $20.39 | $29.57 |
| Share price (low) | $53.52 | $77.60 | $112.52 | $163.16 | $236.57 |
| Share price (high) | $93.66 | $135.80 | $196.91 | $285.52 | $414.01 |
| CAGR (low–high) | -15% / 49% | 11% / 47% | 21% / 46% | 27% / 46% | 30% / 46% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for BAC:
- Revenue is growing 99.4% a year, a sign of real demand.
- High net margins (30.2%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~6.7%) funds buybacks and dividends.
- Pays a 2.0% dividend on top of any price gains.
- Our model's overall read is Strong (72/100).
The case against BAC:
- Elevated leverage (debt/equity 2.3x) adds financial risk.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 2.3x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Bank of America is a mega-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 14.1x earnings, which our model scores Strong (72/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 29 Wall Street analysts covering BAC recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-4 pts of buy ratings).
Latest SEC Filings
BAC's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
BAC — frequently asked questions
Is BAC a good stock to buy?
We don't give buy or sell advice. Our model rates Bank of America Strong (72/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BAC's rating on The Stocks School?
Bank of America currently scores 72/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BAC's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Bank of America's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BAC calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this BAC analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BAC. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.