Stock Analysis
Bank of America CorporationBAC
P/E 10.64×· 5Y range 6.73–16.11×· 37th percentile of history
Sector: Financial Services · Industry: Banks
AnalystsStrong Buy29 analystsP/E 10.6× sits at the 37th percentile of its 5.089664613278576-year history.
Cash covers 73% of debt · FY 2025.
PMP Verdict
Weak fundamentals
Strengths
- Profitability67
Risks
- Growth18
- Financial Health26
Weak fundamentals — valuation is the only support.
What's happening with BAC
Profile
growth, moat and financial health lag behind.
How is each axis scored?
- Valuation70/100 · Moderate
- P/E vs own history (37th pct)20/25
- FCF yield (n/a)10/25
- P/S (3.0x)20/25
- EV/EBIT (11.8x)20/25
- Growth18/100 · Weak
- Revenue CAGR (6.1%)12/25
- Net income CAGR (-1.2%)0/25
- EPS CAGR 5Y (1.5%)6/25
- Fwd implied growth (-3.1%)0/25
- Profitability67/100 · Moderate
- ROIC (7.7%)5/25
- ROE (11.1%)12/25
- Net margin (27.8%)25/25
- Operating margin (31.1%)25/25
- Financial Health26/100 · Weak
- Altman Z (0.25)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.3x)3/25
- Net cash / debt (D/A 3%)20/25
- Quality55/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.41)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 5.7%)20/25
- Moat25/100 · Weak
- ROIC >12% years (1/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 20.9%)25/25
Risk Flags
- ⚠Altman Z 0.3 — distress-zone balance sheet
- ⚠Interest coverage 0.3× — thin debt cushion
About Bank of America Corporation
Bank of America is a formidable financial titan with a $3. Show more
5 trillion balance sheet and a cornerstone of the American economy, holding the second-largest deposit market share in the United States. While the firm has maintained its stronghold among middle-market and retail clientele domestically, Bank of America has continued to hold its own on the global stage, as evidenced by its fourth-largest global trading operation and an investment banking division that regularly finishes in the top four in global league tables. The firm is organized across four segments: consumer banking, global wealth and investment management, global banking, and global markets.
Headquarters: CHARLOTTE, NC · Employees: 213,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
70B+P/E (TTM)10.6xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.7x–16.1x · 37th pct
P/FCF3.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield32.8%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)2.96xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.0x–4.8x · 26th pct
EV/EBIT11.8xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 4.0x–27.1x · 56th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.0xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.18xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.84A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.72%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio29.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
67BROIC7.7%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE11.1%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin27.8%A
Grade A: HighNet Income / Revenue
Operating Margin31.1%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
18ERevenue CAGR6.1%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-1.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)1.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-3.1%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-20.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income12.3%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue3.4%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.25D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.3xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT2.3xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity1.05xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.73xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
55CPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.41A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability5.7%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | Option exercise | -18082 | |
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | SellDisposition | -18082 | |
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | Option exercise | +18.1K | |
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | Option exercise | -18083 | |
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | SellDisposition | -18083 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | Option exercise | +18.1K | |
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | Option exercise | -18083 | |
MOYNIHAN BRIAN T Filed | MOYNIHAN BRIAN T | SellDisposition | -18083 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years1/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor20.9%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$4.81
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$44.39
Cash & short-term investments per share (Finnhub)
Book Value / Share$42.87
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$317.82B
Total debt obligations (short + long term)
Cash & Equiv.$231.84B
Cash and short-term investments
Net Debt$85.97B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$303.24B
Shareholders' equity (book value)
Asset / Liability1.10xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$358.24B
Current Market Capitalization
Beta1.20C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Bank of America Corporation (BAC)
BAC is down 0.91% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Bank of America Corporation. Altman Z-Score of 0.25 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.41 suggests a low likelihood of earnings manipulation.
- Interest coverage of 0.3× leaves little room for earnings shocks.
- At a valuation score of 70/100, BAC trades near the cheapest end of its own historical range (P/E 10.6).
- The stock currently yields 2.7% in dividends.
See how BAC ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 14, 2026 | After-Hrs | $1.11 | $1.08 | -3.1% | $31.0B | $30.1B |
Recent Market Moves
See all BAC moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 14 | Pre-market | 49.83 | -7.65% | -7.05 |
| Oct 14 | Regular | 51.17 | -5.17% | -4.59 |
| Oct 14 | After-hours | 51.31 | -4.91% | -4.34 |
| Oct 13 | After-hours | 52.66 | -3.51% | -2.63 |
Frequently Asked Questions about BAC
What is the current Bank of America Corporation (BAC) stock price?
BAC is trading at $51.23 at the last market close, down 0.91% on the session. PreMarketPrice tracks BAC pre-market, intraday and after-hours prices.
Is BAC stock a buy right now?
PreMarketPrice's quantitative model rates Bank of America Corporation's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is BAC stock overvalued?
Bank of America Corporation trades at a trailing P/E of 10.6 and our valuation score rates it 70/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Bank of America Corporation report earnings?
No confirmed earnings date is currently scheduled for BAC. The Earnings section lists recent reports and updates as dates are announced.
What sector does Bank of America Corporation operate in?
Bank of America Corporation operates in the Financial Services sector, within the Banks industry. The Related Stocks section lists sector peers for comparison.
What does Bank of America Corporation do?
Bank of America is a formidable financial titan with a $3.
About Bank of America Corporation (BAC) Stock
Bank of America Corporation (BAC) is a US-listed stock operating in the Financial Services sector, specifically the Banks industry. As of the latest update, Bank of America Corporation is trading at $51.23, down 0.91% on the day with a market capitalization of $358.2 billion. The financial health score for BAC is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for BAC stock.
BAC Stock Analysis & Key Metrics
On PreMarketPrice, you can track Bank of America Corporation (BAC) across multiple dimensions:
- Pre-market price & movement: Real-time BAC stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for BAC, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for BAC with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Bank of America Corporation across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BAC.
- Sector peers: Compare BAC against 6 other financial services stocks on key financial metrics.
Is BAC a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Bank of America Corporation (BAC) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Bank of America Corporation (BAC) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.