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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2975
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$380.1B
Brian T. Moynihan
Bank of America Corporation provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products. Its Global Banking segment provides lending products, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending. The company was founded in 1784 and is based in Charlotte, North Carolina.
Headcount
217.0K
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = BAC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$BAC BANK OF AMERICA CORP /DE/ | 44 | 30 | 45 | 54 | 12.8x | 21.3x | 9.8% | 0.9% | 0.0% | 30.3% | 27.8% | 10.7% | 2.1% | 102.0x | $380.1B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
BANK OF AMERICA CORP /DE/ (BAC) receives a "Reduce" rating with a composite score of 43.9/100. It ranks #2975 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
Charlotte, North Carolina
In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for BAC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 37 | -7DRAG |
| MOMENTUM | 54 | 58 | -4NEUTRAL |
| VALUATION | 45 | 54 | -9DRAG |
| INVESTMENT | 29 | 35 | -6DRAG |
| STABILITY | 58 | 64 | -6DRAG |
| SHORT INT | 41 | 38 | +3NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 2.6% vs WACC 7.7% (spread -5.1%)
GM 0% vs sector 78%, OM 30% vs sector 18%
Capital turnover 0.10x
Rev growth 11%, 10yr history
Interest coverage 0.5x, Net debt/EBITDA 30.3x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate BANK OF AMERICA CORP /DE/ (BAC) as a Reduce with a composite score of 43.9/100 at a current price of $50.42. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
BANK OF AMERICA CORP /DE/ holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.9/100 places it at rank #2975 in our full universe.
No Moat
Medium
Standard
Fair Value
Stable competitive position in a defensive sector.
Leverage of 102% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
BANK OF AMERICA CORP /DE/ represents a reduce based on multi-factor quantitative performance.
BANK OF AMERICA CORP /DE/ receives a Reduce rating from our analysis, with a composite score of 43.9/100 and 2 out of 5 stars, ranking #2975 out of 7,333 stocks. BAC's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
BAC's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 9.8% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 27.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, BAC appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 12.81x, an EV/EBITDA of 21.30x, a P/B ratio of 1.26x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
BANK OF AMERICA CORP /DE/'s investment score of 29/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 10.7% vs. a sector average of 10.7% and a return on assets of 0.9% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
BAC demonstrates moderate momentum with a score of 54/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 10.7% year-over-year, while a beta of 0.99 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 58/100, BAC exhibits average financial resilience. Key stability metrics include a beta of 0.99 and a debt-to-equity ratio of 102.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 41/100 for BAC suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 102.00x). With a $380.1B market cap (mega-cap), BANK OF AMERICA CORP /DE/ may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
BAC pays a solid dividend yield of 2.1%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
BANK OF AMERICA CORP /DE/ is a mega-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2975 of 7,333 overall (59th percentile). Key comparisons include ROE of 9.8% exceeding the 9.0% sector median and operating margins of 30.3% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While BAC currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Investment (29) would have the largest impact on the composite score.
EV/EBITDA 174% ABOVE SECTOR MEDIAN
ROE 9% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
The $380.1B question: What happens when a company this good becomes this expensive? On Wall Street, there are companies that move money, and then there are companies that are the money. BANK OF AMERICA CORP /DE/ falls squarely into the latter category — a financial infrastructure so embedded in the global economy that to bet against it feels almost like betting against commerce itself. At $380.1B in market capitalization, BANK OF AMERICA CORP /DE/ (BAC) currently ranks #177 in our quanti
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Bank of America stock fell 1.24% to $50.44 on February 24, 2026, as investors weighed economic uncertainty and tariff-related pressures on the banking sector. While the broader market rose and U.S. banks showed solid 2025 profits, BAC continues to underperform the S&P 500 over the past year. Investors are monitoring whether loan growth and net interest margins can help the bank regain momentum.