Bank of America Corporation
BAC · Price history
Price at last available close
$50.68
−$4.79 (-8.64%) 1M
2026-10-27
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Company & revenue
About Bank of America Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 2, 2026. A research update is not a new financial filing.
Who they are
Operating globally through its various subsidiaries, Bank of America Corporation offers a comprehensive range of banking and financial products and services. Its extensive clientele includes individual consumers, small and mid-market businesses, institutional investors, large corporations, and government bodies worldwide. The Consumer Banking division provides diverse options such as traditional and money market savings accounts, certificates of deposit, individual retirement accounts (IRAs), and both interest-bearing and non-interest-bearing checking accounts, in addition to investment products.
How they make money
Bank of America Corporation is a financial holding company that provides a diversified range of banking, investing, asset management, and other financial and risk management products and services. It generates revenue primarily through net interest income earned on loans and deposits, as well as noninterest income from service charges, investment banking fees, brokerage services, and trading activities.
Products & services
The company offers consumer banking (retail and preferred banking), wealth management (Merrill and The Private Bank), global commercial and corporate banking, and global markets services including sales and trading, research, and underwriting.
Brands & revenue mix
Primary marketing name for the global banking and global markets business.
Separate brand revenue is not available in this research.Source
Wealth management brand within the Global Wealth & Investment Management segment.
Separate brand revenue is not available in this research.Source
Wealth management brand within the Global Wealth & Investment Management segment.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company serves nearly 70 million clients and does not disclose any single customer that accounts for a significant portion of its total revenue as of the fiscal year ended 2025-12-31.
Suppliers, materials & equipment
- Technology and operational service providers — The company relies on various third-party providers for operational and technology systems, including AI-related services and process automation.Source
Competitors
- JPMorgan Chase & Co. — A global financial services firm providing commercial and investment banking, financial services for consumers and small businesses, and asset management.Source
- Citigroup Inc. — A global diversified financial services holding company providing consumer banking, credit cards, corporate and investment banking, and wealth management.Source
- Wells Fargo & Company — A diversified financial services company providing banking, investment, mortgage, and consumer and commercial finance.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
42
Weak
Financial Strength
40
Business Quality / Moat
49
Management
33
Growth Quality
32
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
68
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
63/100
Building Historical Record
Model Score 63/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for BAC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BAC maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is BAC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is BAC's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is BAC's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
68
Market Cap
$350.84B
P/E Ratio
12.1
EPS
$4.26
52-Week High
$65.23
52-Week Low
$46.12
Beta
1.21
Intrinsic Value
$164.01
Analyst Target
$66.00
Shares Outstanding
7.55B
Total Revenue
$194.74B
Total Debt
$380.92B
Dividend Yield (TTM)
2.29%
Liquidation Value / Share
$39.32
Dividend / Share (TTM)
$1.16
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BAC
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on BAC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Leading market positions in U.S. consumer deposits and small business lending.
- +Balanced business model across diverse lines of business.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Operational and technology risks including AI implementation.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
8 historical score records availablePrevious Score
55
Oct 14, 2026
Change
+0.6
points
Current Score
55
Oct 15, 2026
Category Changes
BAC increased 0.6 points because Management improved by 3.2 points.
Positive Contributors
- + Management improved by 3.2 points
Projected Score
Projected Score
50
Projected Change
-5.6 points
Preliminary comparable-period financial changes suggest decline of approximately 5.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $4.26 · Growth assumption: 5.6% · Earnings multiplier: 19.6×.
Current Price
$50.68
Model Intrinsic Value
$164.01
Difference
−$113.33
-69.1% vs IV
Margin of Safety
69.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $194.74B | $191.57B | $192.43B | $171.91B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $77.05B | $84.14B | $96.37B | $77.72B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $117.69B | $107.42B | $96.07B | $94.19B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $57.03B | $52.25B | $49.62B | $47.72B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $74.07B | $69.73B | $66.81B | $65.84B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $45.42B | $40.01B | $31.44B | $30.40B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $43.61B | $37.70B | $29.25B | $28.34B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $71.77B | $78.47B | $90.55B | $73.33B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $43.37B | $37.70B | $29.25B | $28.34B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $11.25B | $7.19B | $2.12B | $1.83B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $32.12B | $30.51B | $27.13B | $26.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $4.26 | $3.88 | $3.25 | $3.10 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 7.15B | 7.36B | 7.74B | 8.03B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 7.31B | 7.55B | 7.84B | 8.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$47.77B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.91
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-46.2%
Cash Change
-89.1%
Margin Change
-3.0 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 0.9%. EPS declined 14.2%. Cash declined 89.1%. Total debt declined 46.2%. Net income margin declined by 3.0 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
46
Smart Money
46
Number of Gurus
14
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
8 historical recordsHistorical Score Chart
3 of 8 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · BAC
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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