Stock · BAC · Financial Services
United States · Large Cap · listed since 1978 · Revenue 12 mo. $118.9B
Price as of 11/06/2026
Summary
47.4 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €251B, market value €308.7B (P/B 1.2). At a 9% discount rate, the premium over book value only pays off with a lasting 11.1% return on equity.
Required return on equity per year
11.1%
no perpetual growth
Price to book 1.23×, within its usual range.
Middle half of 20 quarters: 0.94× to 1.27×, median 1.09×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
AI summary of the 2025 annual report
A language model selected and condensed statements from the report. Each statement carries a verbatim quote. The selection is not complete and shows the state of the report. It gives no rating and does not feed into the score.
Form 10-K, fiscal year ended 12/31/2025, filed 02/25/2026. Open the report at the SEC
Four business segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking and Global Markets. Remaining operations are recorded in All Other.
through four business segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking and Global Markets, with the remaining operations recorded in All Other.Services mortgage loans on behalf of third-party securitization vehicles and other investors.
We service mortgage loans on behalf of third-party securitization vehicles and other investors.The value of assets under management (AUM) also affects revenue in wealth management and advisory businesses, through asset-based management and performance fees.
Values of AUM also impact revenues in our wealth management and related advisory businesses for asset-based management and performance fees.The company invests in or trades securities of companies and governments located outside the U.S., including emerging markets.
We invest or trade in the securities of corporations and governments located in non-U.S. jurisdictions, including emerging markets.In 2025 the company sold approximately 2.3 billion dollars of loans to government-sponsored enterprises (GSEs), mainly Freddie Mac.
During 2025, we sold approximately $2.3 billion of loans to GSEs, primarily Freddie Mac (FHLMC).Serves individual consumers, small and middle-market businesses, institutional investors, large corporations and governments.
serving individual consumers, small- and middle-market businesses, institutional investors, large corporations and governmentsCompetitors include many kinds of firms, among them banks, savings institutions, credit unions, brokerage and insurance firms, hedge funds, private equity firms and internet-based companies.
Our competitors include banks, thrifts, credit unions, investment banking firms, investment advisory firms, brokerage firms, investment companies, insurance companies, mortgage banking companies, credit card issuers, mutual fund companies, hedge funds, private equity firms, and e-commerce and other internet-based companiesCompetition depends on factors such as customer service and convenience, pricing, product quality and range, lending limits, technology quality and delivery, and reputation.
Competition is based on a number of factors including, among others, customer service and convenience, the pricing, quality and range of products and services offered, lending limits, the quality and delivery of our technology and our reputation, experience and relationships in relevant markets.The company increasingly competes with firms offering products only over the internet, and with non-financial companies. Firms using new technologies such as digital assets compete either instead of or alongside traditional banking products.
We are increasingly competing with firms offering products solely over the internet and with nonfinancial companies, including firms utilizing emerging technologies, such as digital assets, rather than, or in addition to, traditional banking products.A cut in credit ratings could limit access to funding or capital markets, raise borrowing costs or trigger more collateral or funding requirements.
Reduction in our credit ratings could limit our access to funding or the capital markets, increase borrowing costs or trigger additional collateral or funding requirements.Many subsidiaries, including bank and broker-dealer units, face laws that restrict dividends. Regulators are authorized to block or reduce funds flowing from them to the parent company.
Many subsidiaries, including bank and broker-dealer subsidiaries, are subject to laws that restrict dividend payments, or authorize regulatory bodies to block or reduce the flow of funds from those subsidiaries to the parent company or other subsidiaries.The preferred resolution plan is a single point of entry strategy, under which only the parent holding company would file for bankruptcy.
Bank of America Corporation’s preferred resolution strategy is a “single point of entry” strategy, whereby only the parent holding company would file for bankruptcy under the U.S. Bankruptcy Code.In December 2024 the OCC issued a consent order against BANA covering certain aspects of its anti-money laundering (BSA) and economic sanctions compliance programs.
For example, in December 2024, the OCC issued a Consent Order against BANA relating to certain aspects of its BSA, anti-money laundering and economic sanctions compliance programsA U.S. housing downturn could lead to significant write-downs in several asset classes, notably the company's residential mortgage and home equity portfolio. These are loans held for investment, kept on the balance sheet.
A downturn in the U.S. housing market could result in significant write-downs of asset values in several asset classes, notably our held-for-investment residential mortgage and home equity portfolio.Since the last quarter
Q2 → Q3 2026
4 more unchanged: Revenue, 12 mo., EBIT margin, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 10.06% | 12.46% | Rank 34 |
| Return on capital (Greenblatt) | 301.17% | 59.04% | Rank 83 |
| EBIT margin | 33.33% | 23.06% | Rank 75 |
| FCF margin | 11.15% | 19.82% | Rank 29 |
| Gross margin | 94.98% | 65.53% | Rank 81 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 11.00% | 7.39% | Rank 61 |
| Earnings growth, 3 years per year | 6.25% | 15.20% | Rank 23 |
| Earnings growth, 5 years per year | 14.72% | 15.17% | Rank 48 |
| Sustainable growth (ROE × retained earnings) | 0.00% | 1.25% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.18% | 6.47% | Rank 73 |
| FCF yield | 3.67% | 7.16% | Rank 28 |
| EV/saleslower is better | −2.24 | 2.82 | Rank 96 |
| EV/EBITlower is betterdoes not count towards the rank | −6.73 | 14.24 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −16.87% | 7.80% | Rank 9 |
| Share price, 6 months | −3.20% | 8.71% | Rank 17 |
| Share price, 3 months | −16.64% | 0.45% | Rank 2 |
| Distance from 52-week high | −23.75% | −10.68% | Rank 11 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 4.89% | 1.23% | Rank 20 |
| Change in share countlower is better | −3.78% | −0.60% | Rank 81 |
| Dividend streak in years | 16 | 5 | Rank 86 |
| Price reaction to results, market-adjusted | −3.85% | 0.00% | Rank 8 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 8.89% | 9.21% | Rank 48 |
| Net debt/EBITDAlower is better | −14.94 | 0.12 | Rank 93 |
| Debt to equitylower is better | 1.21 | 0.90 | Rank 45 |
| Volatility, 1 yearlower is better | 21.83% | 25.95% | Rank 75 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 80.1 | 17.9 | 6.7% | 11.0B |
| 2017 | 83.7 | 18.2 | 6.8% | 10.8B |
| 2018 | 87.7 | 28.1 | 10.6% | 10.2B |
| 2019 | 85.6 | 27.4 | 10.4% | 9.44B |
| 2020 | 74.2 | 17.9 | 6.6% | 8.80B |
| 2021 | 89.1 | 32.0 | 11.8% | 8.56B |
| 2022 | 95.0 | 27.5 | 10.1% | 8.17B |
| 2023 | 98.6 | 26.5 | 9.1% | 8.08B |
| 2024 | 101.9 | 27.1 | 9.2% | 7.84B |
| 2025 | 113.1 | 30.5 | 10.1% | 7.55B |
1 of 7 StockScorer Score rules met · How the score is built
Bank of America Corp mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Bank of America Corp. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
1 of 7 rules met
2 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Bank of America Corp.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.2 | 15.2 |
| P/B ratio | 1.2 | 1.8 |
| Return on equity (ROE) | 10.1% | 12.5% |
| Equity ratio | 8.9% | 9.2% |
| Debt-to-equity (D/E) | 1.21 | 0.90 |
| Dividend yield | 2.3% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| BAC | Bank of America Corpthis page | |
| WFC | Wells Fargo & Company | Low2.7 |
| C | Citigroup Inc. | Low1.8 |
| BNY | The Bank of New York Mellon Corporation | Low4.5 |
| JPM | JPMorgan Chase & Co | locked |
| 0939.HK | China Construction Bank Corp | locked |
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