BAC
Bank of America
$57.37
▲ 2.1%Updated Today 6:01 PM ET
▲ Up 24.7% over the last 12 months
Market Cap
$398.83B
P/E
12.56x
Forward P/E (est.)
10.58x
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
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 $57.37, above its 50-day average ($52.85) and 200-day average ($52.23). 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 80 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 $1.23 (~2.1% 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 $50.61 (support) and sellers near $57.98 (resistance); its 52-week range is $44.21–$57.98. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.8× the 20-day average — heavier than usual, which adds conviction to the move. 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.
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 $398.83B.
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.
4Y CAGR
6.1%
Revenue moved from $89.11B in 2021 to $113.10B in 2025, a 6.1% 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.
P/E
12.56x
P/S
2.48x
P/B
1.31x
EV / EBITDA
—
BAC trades at 12.6x trailing earnings (about 10.6x on estimated forward earnings), 2.5x sales, and 1.3x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. 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 (76 S&P 500 companies), BAC ranks #15 of 76 by our overall rating. It trades at a discount versus the sector on earnings (12.6x P/E vs. 15.2x median) with a lower return on equity (10.5% vs. 15.3%) and faster revenue growth (99.4% vs. 9.1%).
P/E vs sector
12.6x
median 15.2x
ROE vs sector
10.5%
median 15.3%
Growth vs sector
99.4%
median 9.1%
Sector rank
#15
of 76 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 76 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)
$220.65 – $358.55
vs. $57.37 today · expected CAGR 31% – 44%
| 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 | $6.24 | $9.05 | $13.12 | $19.02 | $27.58 |
| Share price (low) | $49.91 | $72.38 | $104.94 | $152.17 | $220.65 |
| Share price (high) | $81.11 | $117.61 | $170.53 | $247.28 | $358.55 |
| CAGR (low–high) | -13% / 41% | 12% / 43% | 22% / 44% | 28% / 44% | 31% / 44% |
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 12.6x earnings, which our model scores Strong (72/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
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.