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Bank of America Corp (BAC)

Valor Justo
Financial ServicesBanks - DiversifiedUnited States

Fundamental

63

Preço

$54.43

Capitalização de Mercado

$387.89B

Parte 1 · Quanto vale a empresa

Visão Geral

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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

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

P/E: 14.2Score: 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: 18.5Score: 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: 13.9Score: 64Market 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.

Balanço & Liquidez

Receita

$119.24B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$33.64B

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

-

Capital Próprio Total

$303.24B

Passivo Total

$3.11T

Rácio de Liquidez

-

Cobertura de Juros

0.67

Dívida/EBITDA

-

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BancoJustamente Valorizada

Valor Justo

$45.82

Preço Atual

$54.43

Margem de Segurança

-18.8%

Intervalo de Valor Justo

$29.80 - $61.84

Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.

Métodos de Estimativa

Preço-alvo dos analistas:$68.62
Fluxo de caixa descontado (DCF):Não aplicável a este tipo de empresa
Multiplicador de lucros (P/E):$47.59
Fórmula de crescimento de Graham:Não aplicável a este tipo de empresa
Valor da capacidade de gerar lucro (EPV):Não aplicável a este tipo de empresa
P/B justificado:$42.21
Desconto de dividendos (Gordon):$18.89
P/FFO, fundos de operações:Não aplicável a este tipo de empresa
Lucros de meio de ciclo:Não aplicável a este tipo de empresa
Multiplicador sobre as receitas:Não aplicável a este tipo de empresa
Consenso dos Analistas:Compra Forte (23B / 6H / 0S)
Última Surpresa de Resultados:+5.88%

Métricas de Avaliação

Rácio P/E

12.54

ROE

10.1%

Rácio P/B

1.26

P/FCF

-

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Criação de Valor (Vantagem Competitiva)

ROIC

-

WACC

11.3%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (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

Reprovado (6)

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

Indisponível (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

5/9

Sinais mistos: algumas áreas requerem atenção

score
criteria

Qualidade dos Resultados

2.82

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

-5.3%

A recomprar ações. Favorável ao acionista

Participações institucionais

Governação

Equipa Executiva

NomeCargoIdade
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

Risco de Auditoria

10

Risco do Conselho

5

Risco de Remuneração

6

Risco dos Direitos dos Acionistas

2

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Documentos

  • Relatório anual (10-K)

    Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.

    Arquivado em 2026-02-25

    Ver documento
  • Relatório trimestral (10-Q)

    Uma atualização sobre o desempenho financeiro dos últimos três meses.

    Arquivado em 2026-07-31

    Ver documento
  • Relatório de fato relevante (8-K)

    Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.

    Arquivado em 2026-07-24

    Ver documento

via SEC EDGAR

Histórico de Resultados

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