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Bank of America Corp (BAC)

Juste valeur
Financial ServicesBanks - DiversifiedUnited States

Fondamental

63

Prix

$53.58

Capitalisation boursière

$387.89B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services. The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, and underwriting and advisory services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.

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Direct competitors

Who this company fights with for the same customers

Compare

Generated on 18 septembre 2026 with claude-haiku-4-5 — shared with all users

P/E: 14.2Score: 62Market cap: $894.72B

The closest rival across every Bank of America business at once: a nationwide branch and credit-card franchise for US households, plus corporate lending, M&A advisory and trading for the same large corporate and institutional clients.

P/E: 11.7Score: 64Market cap: $244.37B

Competes for the same US retail and small-business deposits, mortgages and card balances through a branch network of comparable national reach, and increasingly for the same middle-market corporate clients.

P/E: 18.5Score: 67Market cap: $229.70B

Overlaps in credit cards for US consumers and, above all, in treasury services, corporate lending and markets for multinational clients that both banks serve across many countries.

P/E: 15.2Score: 68Market cap: $304.12B

Direct rival of Merrill and the Private Bank for wealthy US households' assets under management, and of BofA Securities in equity underwriting and institutional trading.

P/E: 13.9Score: 62Market cap: $266.79B

Competes for the same M&A and capital-markets mandates and the same institutional trading flow, where it and BofA Securities sit in the same handful of firms invited to the largest deals.

U.S. BancorpUSB

Fights for the same mainstream US deposit, payments and small-business relationships in the states where their branch networks overlap, at a smaller scale but with the same product set.

Bilan & Liquidités

Chiffre d'affaires

$119.24B

12 derniers mois (au 30/06/2026)

Résultat net

$33.64B

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

-

Capitaux propres totaux

$303.24B

Passif total

$3.11T

Ratio de liquidité général

-

Couverture des intérêts

0.67

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BanqueJustement valorisé

Juste valeur

$45.82

Prix actuel

$53.58

Marge de sécurité

-16.9%

Fourchette de juste valeur

$29.80 - $61.84

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$68.62
Flux de trésorerie actualisés (DCF):Non applicable à ce type d'entreprise
Multiple de résultat (P/E):$47.59
Formule de croissance de Graham:Non applicable à ce type d'entreprise
Valeur de la capacité bénéficiaire (EPV):Non applicable à ce type d'entreprise
P/B justifié:$42.21
Actualisation des dividendes (Gordon):$18.89
P/FFO, les fonds provenant de l'exploitation:Non applicable à ce type d'entreprise
Bénéfices de milieu de cycle:Non applicable à ce type d'entreprise
Multiple sur le chiffre d'affaires:Non applicable à ce type d'entreprise
Consensus des analystes:Achat fort (23B / 6H / 0S)
Dernière surprise sur les résultats:+5.88%

Indicateurs de valorisation

Ratio P/E

12.54

ROE

10.1%

Ratio P/B

1.26

P/FCF

-

Marge brute

-

ROIC

-

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

-

WACC

11.3%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (14)

  • EPS shows upward trend
  • Price CAGR 10.99%
  • P/B Ratio 1.26
  • Operating Margin 35.2%
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 11.1%
  • Analyst Consensus 79% Buy
  • Earnings Surprise avg 6.5%
  • PEG Ratio 0.81
  • Earnings Quality (OCF/NI) 2.82
  • Share Dilution -5.3%
  • Net Margin Trend 28.2% vs 25.3%
  • Piotroski F-Score 5/9

Échoué (6)

  • EPS CAGR 0.82%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Unknown)
  • Revenue Growth 5Y 4.7%

Indisponible (8)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA

Score F de Piotroski

5/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

2.82

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

-5.3%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
Mr. Brian Thomas MoynihanChairman & CEO66
Mr. Dean C. AthanasiaCo-President58
Mr. James P. DeMareCo-President55
Mr. Alastair M. BorthwickExecutive VP & CFO56
Mr. Matthew M. KoderPresident of Global Corporate & Investment Banking53
Mr. Thomas M. ScrivenerChief Operations Executive53
Mr. Johnbull E. OkparaChief Accounting Officer53
Mr. Hari GopalkrishnanChief Technology & Information Officer56
Mr. E. Lee McEntireHead of Investor Relations & Local Markets Organization-
Ms. Lauren A. Mogensen J.D.Global General Counsel62

Risque d'audit

10

Risque du conseil

5

Risque de rémunération

6

Risque droits des actionnaires

2

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-02-25

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-07-31

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-07-24

    Voir le document

via SEC EDGAR

Historique des résultats

via SEC EDGAR

Latest News

Recent headlines for BAC, sourced from Markets Gazette.

  • 2d agoPOSITIVE
    Bank of America, Bradesco Test Instant Cross-Border Payments

    Bank of America has successfully conducted its first real-time, cross-border payment initiated by Bradesco, a major Brazilian bank, at the Sibos 2026 conference. This successful test signifies a significant advancement in facilitating instant international transactions, potentially reducing settlement times and costs for businesses and individuals. The collaboration highlights a growing trend towards digital transformation in global finance, aiming to streamline the complexities of cross-border remittances and payments. For investors, this development could signal improved operational efficiency and new revenue streams for participating financial institutions.

  • 16d agoNEGATIVE
    Perché oggi le azioni di Bank of America scendono

    Bank of America shares experienced a decline in early trading following disappointing guidance for the fiscal third quarter. CEO Brian Moynihan indicated at the Barclays Global Financial Services Conference that investment banking fees and trading revenues are expected to be significantly lower than the strong growth observed earlier in the year. While the stock had seen a slight uptick recently, it remains down approximately 8% from its recent peak. This downward revision, particularly in key revenue-generating segments, is the primary driver behind the current sell-off, signaling potential headwinds for the financial giant.

  • 17d agoNEUTRAL
    Moynihan Says Bank Is Still Strong, Even If Trading Revenue Comes In Flat

    Bank of America CEO Brian Moynihan indicated that the bank's trading revenue for the third quarter is expected to be "relatively flat" compared to the previous year. Despite this projection, Moynihan emphasized that the bank is still poised to achieve one of its strongest third quarters historically. This suggests a resilient underlying business performance, even with a potential plateau in a key revenue stream. Investors should monitor the bank's overall profitability and asset quality metrics, as the flat trading revenue might be offset by strength in other business segments.

  • 21d agoNEUTRAL
    History shows the bar to disrupt AI is surprisingly high, says Bank of America

    Bank of America analysts suggest that the historical difficulty in disrupting the AI sector is higher than commonly perceived. They also posit that equity markets possess a greater resilience to bond market shocks than currently observed, with market volatility potentially serving as a more accurate indicator of risk than Treasury yields. This perspective implies that despite potential bond market turbulence, the AI landscape's inherent barriers to entry may provide a stable environment for established players, while investors should monitor volatility closely for risk signals.

  • 8/28/2026POSITIVE
    How Bank of America and three other lenders could win big from Scott Bessent’s and Kevin Warsh’s bond-market mechanations

    Bank of America, along with three other unnamed lenders, is poised to benefit from potential bond market strategies orchestrated by Federal Reserve Chair Kevin Warsh and Treasury Secretary Scott Bessent, according to Citrini Research. The coordinated actions aim to reduce long-term bond yields. This scenario suggests a favorable environment for financial institutions that hold significant bond portfolios, as lower yields can lead to capital appreciation on existing holdings and potentially stimulate borrowing and investment activities, thereby boosting Bank of America's net interest income and overall profitability.

  • 8/21/2026NEGATIVE
    SEC Accuses Ex-BofA Senior Banker Satsky of Insider Trading

    The US Securities and Exchange Commission (SEC) has accused former Bank of America senior investment banker Jason Satsky of providing an insider-trading tip. The tip allegedly allowed a friend to illicitly profit $18.5 million. This development casts a shadow over Bank of America's compliance and ethical oversight, potentially impacting investor confidence and regulatory scrutiny. While the direct financial impact on the bank may be limited, such allegations can lead to reputational damage and increased compliance costs.

  • 8/15/2026NEUTRAL
    Berkshire pads Delta, Alphabet stakes as Abel taps cash pile

    Berkshire Hathaway has reduced its holdings in Bank of America Corp., now owning 6.8% of the US lender's shares. This move comes as Berkshire's Vice Chairman, Greg Abel, has been utilizing the conglomerate's substantial cash reserves. While Berkshire's overall strategy might involve reallocating capital, the specific reduction in Bank of America does not inherently signal a negative outlook on the bank itself, but rather a portfolio adjustment within Berkshire's broader investment strategy. Investors will monitor future capital deployment by Berkshire.

  • 8/12/2026POSITIVE
    BofA to plow $250 billion into critical infrastructure projects

    Bank of America has announced a significant commitment of $250 billion towards critical infrastructure projects, with a strategic focus on advancing artificial intelligence, modernizing transportation networks, and upgrading water systems. This substantial investment underscores the bank's confidence in the long-term growth potential of these sectors and its role in facilitating national development. For investors, this initiative signals a robust pipeline of future business and potential for increased profitability, reinforcing Bank of America's position as a key player in financing essential economic advancements.

  • 7/15/2026POSITIVE
    Bank of America’s AI bet is starting to pay off, its CFO says

    Bank of America's Chief Financial Officer, Alastair Borthwick, has indicated that the company's strategic investments in Artificial Intelligence are beginning to yield tangible results. Beyond mere cost reduction, AI implementation is demonstrably improving the bank's efficiency ratio and overall returns. This suggests that AI is not just a tool for streamlining operations but a genuine driver of enhanced financial performance. For investors, this news signals that BofA's technological advancements are translating into improved profitability and a stronger competitive position in the financial sector.

  • 7/14/2026POSITIVE
    Bank of America’s stock reverses premarket decline in wake of blockbuster earnings report

    Bank of America Corporation (BAC) shares reversed earlier premarket losses, closing higher following a blockbuster earnings report that surpassed Wall Street's expectations. Despite an initial 'sell the news' reaction, the market ultimately embraced the strong financial results. The bank's performance indicates robust underlying business strength and effective risk management, suggesting continued resilience. Investors are likely re-evaluating the stock's valuation based on these positive fundamentals, potentially signaling a sustained upward trend.

via Markets Gazette