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Bank of America Corp (BAC)

適正価値
Financial ServicesBanks - DiversifiedUnited States

ファンダメンタル

63

株価

$53.73

時価総額

$387.89B

パート1 · 企業の価値

概要

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 2026年9月18日 with claude-haiku-4-5 — shared with all users

P/E: 14.3Score: 68Market 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: 66Market 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: 18.2Score: 74Market 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: 73Market 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: 13.8Score: 67Market 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.

貸借対照表と流動性

売上高

$119.24B

直近12か月(2026/6/30まで)

純利益

$33.64B

直近12か月(2026/6/30まで)

フリーキャッシュフロー

-

自己資本合計

$303.24B

負債合計

$3.11T

流動比率

-

利払い倍率

0.67

負債/EBITDA

-

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

成長率グリッド

成長率 — 売上高

適正価値の推定

銀行適正価値

適正価値

$45.82

現在株価

$53.73

安全マージン

-17.3%

適正価値レンジ

$29.80 - $61.84

使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。

推定方法

アナリストの目標株価:$68.62
ディスカウンテッド・キャッシュフロー(DCF):この種の企業には適用されません
利益倍率(P/E):$47.59
グレアムの成長公式:この種の企業には適用されません
収益力価値(EPV):この種の企業には適用されません
正当化されたP/B:$42.21
配当割引モデル(ゴードン):$18.89
P/FFO(運用から生まれる資金):この種の企業には適用されません
中間サイクル利益:この種の企業には適用されません
売上高倍率:この種の企業には適用されません
アナリスト・コンセンサス:強い買い (23B / 6H / 0S)
直近の決算サプライズ:+5.88%

バリュエーション指標

P/E レシオ

12.38

ROE

10.1%

P/B レシオ

1.25

P/FCF

-

粗利益率

-

ROIC

-

収益性レーダー

価値創造(経済的モート)

ROIC

-

WACC

11.3%

ROIC − WACC

-

ファンダメンタル分析基準

合格(14)

  • EPS shows upward trend
  • Price CAGR 10.99%
  • P/B Ratio 1.25
  • 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

不合格(6)

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

データなし(8)

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

Piotroski F-スコア

5/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

2.82

高品質:利益はキャッシュに裏付けられている

株式希薄化

-5.3%

株式を買い戻している。株主に友好的

機関投資家の保有

ガバナンス

経営陣

氏名役職年齢
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

監査リスク

10

取締役会リスク

5

報酬リスク

6

株主権利リスク

2

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

書類

  • 年次報告書(10-K)

    事業内容、財務実績、リスクをまとめた年次の概要。

    提出日: 2026-02-25

    書類を見る
  • 四半期報告書(10-Q)

    直近3か月間の業績に関する最新情報。

    提出日: 2026-07-31

    書類を見る
  • 臨時報告書(8-K)

    経営陣の交代や重要な発表など、大きな出来事に関するお知らせ。

    提出日: 2026-07-24

    書類を見る

via SEC EDGAR

業績推移

via SEC EDGAR

Latest News

Recent headlines for BAC, sourced from Markets Gazette.

  • 12h agoNEUTRAL
    AI in regulated industries: BofA and S&P on the huge gains to be had, and the risks of rushing in

    At Fortune's AIQ Summit, Bank of America's Hari Gopalkrishnan cautioned that companies are adopting AI prematurely, highlighting potential risks. S&P Global's Sally Moore emphasized that the core challenge lies in business reinvention rather than just AI implementation. This dual perspective suggests a cautious approach to AI adoption in regulated sectors, where the focus should be on strategic integration and risk management, rather than rapid deployment. Investors should monitor how these financial institutions navigate AI implementation to balance innovation with regulatory compliance and operational efficiency.

  • 3d 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.

  • 17d 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.

  • 18d 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.

  • 22d 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.

via Markets Gazette