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About The Company

CEO

Mr. Brian Thomas Moynihan

Market Cap

337.20 Billion USD

Sector

Financial Services

Website

https://www.bankofamerica.com

Last Update

08/05/2025, 07:21:46

Description

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide.

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Overview

Value

31

Growth

46

Health

37

Management

16

Analyst Opinion

40

Total

31

All Scores Out Of 100

Best Features

  • Earnings growth has improved recently
  • Has a history of share buybacks
  • Price-to-earnings ratio of 12.1 is lower than the market average (19.6x)
  • Low preportion of income is paid as dividend

Risk Factors

  • Has a high level of debt
  • Altman-Z score suggests a risk of bankruptcy
  • Does not hold enough liquid assets to cover short term liabilities
  • No margin of safety at their current market price
  • Disliked by Twitter users
  • Dividend could be at risk

Market Peers

BAC

Key Figures

PE Ratio (TTM)

12.07

Margin Of Safety (DCF)

-9.89%

Revenue Growth (5 Year Average)

-0.12%

Ratings Consensus

Sell

Share Buybacks

0.69%

Dividend Yeild (TTM)

2.27%

Valuation

Value Score

31

  • Price-to-earnings ratio of 12.1 is lower than the market average (19.6x)
  • Estimated intrinsic-value of 36.88 USD is lower than current price ( 44.77 USD)
  • Free-cashflow-yeild of 2.18% is worse than the market average (4.7%)
  • Margin-of-safety of -9.89% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 42.9 USD

Current Price: 40.9 USD

Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

12.07x

Free Cashflow Yeild

2.18%

PE/Earnings Growth

1.25

Price/Book

1.04x

Growth

Growth Score

46

  • Revenue growth has improved this yeara
  • Earnings growth has improved this year
  • 5 Year Average Cashflow growth of 24.60% is higher than the market average (12.35%)
  • 5 Year Average Revenue growth of -0.12% is lower than the market average (10.97%)
  • 5 Year Average Earnings growth of 4.94% is lower than the market average (14.48%)
  • Free Cashflow growth has slowed this year

Revenue Growth

-0.12%

Earnings Growth

4.94%

Cashflow Growth

24.60%

Health

Health Score

37

  • Normal operation does not require debt to be sustainable
  • Altman-Z score suggests a risk of bankruptcy
  • Has a high level of debt
  • Assets do not cover liabilities
  • Debt repayments significantly impact cashflow

Altman Z Score

0.00

Piostroski Score

6.00

Debt/Equity

2.44x

Current Assets/Liabilities

0.66x

Free Cashflow/Total Debt

0.00x

Debt/Capital

0.40x

Dividend

Secure Dividend Score

0

  • Dividend yeild of 2.27% is more than the market average (1.85%)
  • Long term dividend payout ratio of 33.51% is considered good
  • Payout ratio (TTM) of 25.07% is lower than the average (40%)
  • Spending a lower percentage of their income on dividends than last 5 years
  • Very unsafe
  • Dividends have been declining over the last 5 years
  • Dividend growth has been slowing recently

Dividend Yeild

2.27%

Dividend Growth

-24.64%

Payout Ratio (Earnings)

25.07%

Payout Ratio (Cashflow)

103.71%

Management

Management Score

16

  • Has a history of returning value to shareholders through stock buybacks
  • Return-on-capital-employed of 0.46% is lower than the market average (10%)
  • Has repurchased shares when overvalued
  • Return-on-equity of 2.32% is lower than the market average (15%)

Average Buybacks/Dilution

0.69%

Recent Buybacks/Dilution

-1.90%

5 Year Price Volitility

19.10%

Return On Assets

0.20%

Return On Capital Employed

0.46%

Return On Equity

2.32%

Return On Free Cashflow

N/A

Return On Investments

2.00%

Social Sentiment

Social Sentiment Score

15

Twitter Sentiment

15.00

Stocktwits Sentiment

14.00

Analysts

Analyst Opinion

40

  • Ratings consensus is Sell

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Bank of America Corporation

Currency

USD

Beta

1.331

Vol Avg

38768616

Ceo

Mr. Brian Thomas Moynihan

Cik

0000070858

Cusip

060505104

Exchange

New York Stock Exchange

Full Time Employees

213000

Industry

Banks - Diversified

Sector

Financial Services

Ipo Date

1973-02-21

Address

Bank of America Corporate Center

City

Charlotte

State

NC

Country

US

Zip

28255

Phone

704 386 5681

Analysis Last Updated

08/05/2025, 07:21:46

All financial data provided by FMP

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