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Bank of America Corp (BAC)

合理估值
Financial ServicesBanks - DiversifiedUnited States

基本面

63

价格

$53.10

市值

$387.89B

第一部分 · 这家公司值多少

概览

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

P/E: 14.2Score: 65Market 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.

资产负债表与流动性

营收

$119.24B

最近12个月(截至2026/6/30)

净利润

$33.64B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$303.24B

负债合计

$3.11T

流动比率

-

利息覆盖率

0.67

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$45.82

当前价格

$53.10

安全边际

-15.9%

公允价值区间

$29.80 - $61.84

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$68.62
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$47.59
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$42.21
股息折现模型(戈登模型):$18.89
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:强力买入 (23B / 6H / 0S)
最近财报超预期:+5.88%

估值指标

市盈率(P/E)

12.54

ROE

10.1%

市净率(P/B)

1.26

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

11.3%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(6)

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

不可用(8)

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

Piotroski F-评分

5/9

信号混杂:部分领域需关注

score
criteria

盈利质量

2.82

高质量:盈利有现金流支撑

股权稀释

-5.3%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
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

审计风险

10

董事会风险

5

薪酬风险

6

股东权利风险

2

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-25

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-07-31

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-07-24

    查看文件

via SEC EDGAR

损益历史

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