Bank of America Corp (BAC)
Fair ValueFondamentale
63
Prezzo
$53.10
Capitalizzazione
$387.89B
Parte 1 · Quanto vale l'azienda
Panoramica
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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Con chi questa società si contende gli stessi clienti
Generato il 18 settembre 2026 con claude-haiku-4-5 — condiviso con tutti gli utenti
È il rivale più vicino su tutti i fronti contemporaneamente: sportelli e carte di credito per le famiglie americane, e allo stesso tempo credito alle imprese, consulenza sulle fusioni e trading per la stessa clientela corporate e istituzionale.
Si contende gli stessi depositi, mutui e carte di famiglie e piccole imprese americane, con una rete di filiali di ampiezza nazionale paragonabile, e sempre di più la stessa clientela di imprese di media dimensione.
Si sovrappone sulle carte di credito ai consumatori americani e soprattutto sui servizi di tesoreria, sul credito alle grandi imprese e sui mercati, per multinazionali che entrambe seguono in molti Paesi.
Rivale diretto di Merrill e del Private Bank per i patrimoni delle famiglie americane benestanti, e di BofA Securities nel collocamento azionario e nel trading istituzionale.
Si contende gli stessi mandati su fusioni e collocamenti e gli stessi flussi di trading istituzionale: insieme a BofA Securities fa parte del pugno di banche chiamate alle operazioni più grandi.
Si contende gli stessi rapporti di conto, pagamenti e piccola impresa negli Stati dove le reti di filiali si sovrappongono: dimensione minore, ma la stessa gamma di prodotti.
Stato Patrimoniale e Liquidità
Ricavi
$119.24B
Ultimi 12 mesi (al 30/06/2026)
Utile Netto
$33.64B
Ultimi 12 mesi (al 30/06/2026)
Free Cash Flow
-
Patrimonio Netto Totale
$303.24B
Passività Totali
$3.11T
Rapporto di Liquidità
-
Copertura Interessi
0.67
Debito/EBITDA
-
Utile per Azione
Ricavi e Utile Netto
Free Cash Flow
Scomposizione Ricavi
Prospetto storico
Margini nel tempo
Il debito nel tempo
Griglia della crescita
Crescita — Ricavi
Stima del Fair Value
Fair Value
$45.82
Prezzo Attuale
$53.10
Margine di Sicurezza
-15.9%
Range Fair Value
$29.80 - $61.84
Intervallo di dispersione tra i metodi di valutazione usati, non una stima statisticamente calibrata.
Metodi di Stima
Metriche di Valutazione
Rapporto P/E
12.54
ROE
10.1%
Rapporto P/B
1.26
P/FCF
-
Margine Lordo
-
ROIC
-
Radar Redditività
Creazione di Valore (Vantaggio Competitivo)
ROIC
-
WACC
11.3%
ROIC − WACC
-
Criteri di Analisi Fondamentale
Superati (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
Non superati (6)
- EPS CAGR 0.82%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Unknown)
- Revenue Growth 5Y 4.7%
Non disponibili (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Segnali misti: alcune aree necessitano attenzione
Qualità degli Utili
Alta qualità: utili supportati da cash
Diluizione Azionaria
Riacquisto azioni. Favorevole agli azionisti
Partecipazioni istituzionali
Governance
Team Dirigenziale
| Nome | Ruolo | Età |
|---|---|---|
| Mr. Brian Thomas Moynihan | Chairman & CEO | 66 |
| Mr. Dean C. Athanasia | Co-President | 58 |
| Mr. James P. DeMare | Co-President | 55 |
| Mr. Alastair M. Borthwick | Executive VP & CFO | 56 |
| Mr. Matthew M. Koder | President of Global Corporate & Investment Banking | 53 |
| Mr. Thomas M. Scrivener | Chief Operations Executive | 53 |
| Mr. Johnbull E. Okpara | Chief Accounting Officer | 53 |
| Mr. Hari Gopalkrishnan | Chief Technology & Information Officer | 56 |
| Mr. E. Lee McEntire | Head of Investor Relations & Local Markets Organization | - |
| Ms. Lauren A. Mogensen J.D. | Global General Counsel | 62 |
Rischio Audit
10
Rischio CdA
5
Rischio Compensi
6
Rischio Diritti Azionisti
2
Parte 2 · Il prezzo e il momento d'ingresso
Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.
Documenti
- Vedi documento
Relazione annuale (10-K)
Una panoramica annuale del business, dei risultati finanziari e dei rischi dell'azienda.
Depositato il 2026-02-25
- Vedi documento
Relazione trimestrale (10-Q)
Un aggiornamento sull'andamento finanziario degli ultimi tre mesi.
Depositato il 2026-07-31
- Vedi documento
Comunicazione price-sensitive (8-K)
Una comunicazione su un evento importante, come un cambio ai vertici o un grande annuncio.
Depositato il 2026-07-24
via SEC EDGAR
Storico Ricavi
via SEC EDGAR
Ultime Notizie
Ultime notizie per BAC, da Markets Gazette.
- 2d agoPOSITIVEBank 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 agoNEGATIVEPerché 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 agoNEUTRALMoynihan 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 agoNEUTRALHistory 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.
- 8/28/2026POSITIVEHow 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.
- 8/21/2026NEGATIVESEC 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.
- 8/15/2026NEUTRALBerkshire 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.
- 8/12/2026POSITIVEBofA 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.
- 7/15/2026POSITIVEBank 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.
- 7/14/2026POSITIVEBank 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