Is BAC a good stock to buy right now?

Based on our 6-factor quantitative model, BANK OF AMERICA CORP /DE/ (BAC) receives a "Hold" rating with a composite score of 51.0/100. It is ranked #1,670 out of 4,446 stocks. Key factor scores: Quality 55/100, Value 64/100, Momentum 46/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for BAC?

BANK OF AMERICA CORP /DE/ (BAC) has a "Hold" rating and 3-star score. The composite score of 51.0 ranks it #1,670 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is BAC in?

BANK OF AMERICA CORP /DE/ operates in the Financials sector (Banking industry) with a market cap of $352.07 billion. It is classified as a mega-cap stock.

Does BAC pay a dividend?

BAC does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is BAC's P/E ratio?

BAC has a trailing P/E ratio of 12.03x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is BAC?

BAC's quality factor score is 55/100. Gross margin: 0.0%. ROE: 9.8% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is BAC valued compared to peers?

BAC's value factor score is 64/100 (higher = cheaper). Key multiples: P/E 12.0x, EV/EBITDA 20.8x. The stock appears attractively valued versus peers.

What is BAC's debt level?

BAC's debt-to-equity ratio is 105%. Sector average: 121%. Moderate leverage is normal for established companies.

BAC has a beta of 0.96, meaning it tracks the market. Stability score: 79/100.

Does BAC have high short interest?

BAC's short interest factor score is 28/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

BAC Stock Analysis: Hold (Score 51.0/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
BAC	-0.32%	+6.40%

Metric	BAC	Benchmark
P/E Ratio	12.0x	-19%
EV/EBITDA	20.8x	+537%
Price / Book	1.2x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	9.2x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	11.0x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.8x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	10.0x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.9x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	13.0x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.4x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	10.0x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	13.2x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
BAC BANK OF AMERICA CORP /DE/	51	55	64	46	12.0x	9.9%	0.0%	27.8%	10.7%	105.0x	$352.1B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.5%	0.5%	0.5%	0.5%	0.5%
Operating Margin %	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.5%	0.5%	0.5%	0.5%	0.5%
EBITDA Margin %	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.3%	0.4%	0.4%	0.4%	0.4%
Net Margin %	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.2%	0.3%	0.3%	0.2%	0.2%
FCF Margin %	12.7%	-	-	-	-	-	-61.9%	55.2%	2.8%	-2.3%	38.1%
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.0%	4.8%	4.0%	3.8%	4.5%	4.9%	5.9%	6.7%	6.6%	6.8%	7.1%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.5%

Operating Margin %

0.3%

0.4%

0.5%

EBITDA Margin %

0.3%

0.4%

0.3%

0.4%

Net Margin %

0.3%

0.4%

0.2%

0.3%

0.2%

FCF Margin %

12.7%

-61.9%

55.2%

2.8%

-2.3%

38.1%

ROE %

0.1%

ROA %

0.0%

ROIC %

0.0%

4.8%

4.0%

3.8%

4.5%

4.9%

5.9%

6.7%

6.6%

6.8%

7.1%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$107.3B	$113.1B	$101.9B	$98.6B	$95.0B	$89.1B	$85.5B	$91.2B	$91.2B	$87.4B	$83.7B	$83.0B
	—	—	—	—	—	—	$43.4B	$48.9B	$47.4B	$44.7B	$41.1B	$39.0B
Gross Margin	0.0%	---	---	---	---	---	50.7%	53.6%	52.0%	51.1%	49.1%	47.0%
	—	—	—	—	—	—	$5.9B	$3.8B	$3.9B	$4.4B	$5.4B	$5.0B
Total Operating Expenses	—	$75.4B	$72.6B	$70.2B	$64.0B	$55.1B	—	—	—	—	—	—
	$32.6B	$37.7B	$29.3B	$28.3B	$31.0B	$34.0B	$42.2B	$42.4B	$43.8B	$42.7B	$42.6B	$44.0B
EBIT	$32.6B	$37.7B	$29.3B	$28.3B	$31.0B	$34.0B	$42.2B	$42.4B	$43.8B	$42.7B	$42.6B	$44.0B
EBITDA	$32.6B	$37.7B	$29.3B	$28.3B	$31.0B	$34.0B	$24.9B	$36.5B	$38.5B	$33.6B	$30.4B	$27.2B
Operating Margin	30.3%	33.3%	28.7%	28.7%	32.6%	38.1%	49.3%	46.4%	48.0%	48.9%	50.9%	53.0%
EBITDA Margin	30.4%	33.3%	28.7%	28.7%	32.6%	38.1%	29.2%	40.1%	42.2%	38.4%	36.3%	32.8%
	—	—	—	$73.3B	$20.1B	$4.7B	$8.2B	$22.3B	$19.3B	$12.9B	$10.0B	$10.5B
	—	$37.7B	$29.3B	$28.3B	$31.0B	$34.0B	—	—	—	—	—	—
Income Tax Expense	—	$7.2B	$2.1B	$1.8B	$3.4B	$2.0B	$1.1B	$5.3B	$6.4B	$11.0B	$7.2B	$6.2B
	$29.9B	$30.5B	$27.1B	$26.5B	$27.5B	$32.0B	$17.9B	$27.4B	$28.1B	$18.2B	$17.8B	$15.8B
Net Margin	27.8%	27.0%	26.6%	26.9%	29.0%	35.9%	20.9%	30.1%	30.9%	20.9%	21.3%	19.2%
	$3.86	$3.86	$3.25	$3.10	$3.21	$3.60	$1.88	$2.77	$2.64	$1.63	$1.57	$1.37
Diluted EPS	$3.86	$3.81	$3.21	$3.08	$3.19	$3.57	$1.88	$2.77	$2.64	$1.63	$1.57	$1.37
Weighted Avg Basic	—	7.5B	7.9B	8.0B	8.1B	8.5B	—	—	—	—	—	—
Weighted Avg Diluted	—	7.7B	7.9B	8.1B	8.2B	8.6B	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$107.3B

$113.1B

$101.9B

$98.6B

$95.0B

$89.1B

$85.5B

$91.2B

$87.4B

$83.7B

$83.0B

—

$43.4B

$48.9B

$47.4B

$44.7B

$41.1B

$39.0B

Gross Margin

0.0%

---

50.7%

53.6%

52.0%

51.1%

49.1%

47.0%

—

$5.9B

$3.8B

$3.9B

$4.4B

$5.4B

$5.0B

Total Operating Expenses

—

$75.4B

$72.6B

$70.2B

$64.0B

$55.1B

—

$32.6B

$37.7B

$29.3B

$28.3B

$31.0B

$34.0B

$42.2B

$42.4B

$43.8B

$42.7B

$42.6B

$44.0B

EBIT

$32.6B

$37.7B

$29.3B

$28.3B

$31.0B

$34.0B

$42.2B

$42.4B

$43.8B

$42.7B

$42.6B

$44.0B

EBITDA

$32.6B

$37.7B

$29.3B

$28.3B

$31.0B

$34.0B

$24.9B

$36.5B

$38.5B

$33.6B

$30.4B

$27.2B

Operating Margin

30.3%

33.3%

28.7%

32.6%

38.1%

49.3%

46.4%

48.0%

48.9%

50.9%

53.0%

EBITDA Margin

30.4%

33.3%

28.7%

32.6%

38.1%

29.2%

40.1%

42.2%

38.4%

36.3%

32.8%

—

$73.3B

$20.1B

$4.7B

$8.2B

$22.3B

$19.3B

$12.9B

$10.0B

$10.5B

—

$37.7B

$29.3B

$28.3B

$31.0B

$34.0B

—

Income Tax Expense

—

$7.2B

$2.1B

$1.8B

$3.4B

$2.0B

$1.1B

$5.3B

$6.4B

$11.0B

$7.2B

$6.2B

$29.9B

$30.5B

$27.1B

$26.5B

$27.5B

$32.0B

$17.9B

$27.4B

$28.1B

$18.2B

$17.8B

$15.8B

Net Margin

27.8%

27.0%

26.6%

26.9%

29.0%

35.9%

20.9%

30.1%

30.9%

20.9%

21.3%

19.2%

$3.86

$3.25

$3.10

$3.21

$3.60

$1.88

$2.77

$2.64

$1.63

$1.57

$1.37

Diluted EPS

$3.86

$3.81

$3.21

$3.08

$3.19

$3.57

$1.88

$2.77

$2.64

$1.63

$1.57

$1.37

Weighted Avg Basic

—

7.5B

7.9B

8.0B

8.1B

8.5B

—

Weighted Avg Diluted

—

7.7B

7.9B

8.1B

8.2B

8.6B

—

BANK OF AMERICA CORP /DE/ (BAC) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does BANK OF AMERICA CORP /DE/ Do?

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. 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; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina. BANK OF AMERICA CORP /DE/ (BAC) is classified as a mega-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Brian T. Moynihan and employs approximately 217,000 people, headquartered in Charlotte, North Carolina. With a market capitalization of $352.1B, BAC is one of the largest companies in the Financials sector.

BANK OF AMERICA CORP /DE/ (BAC) Stock Rating — Hold (April 2026)

As of April 2026, BANK OF AMERICA CORP /DE/ receives a Hold rating with a composite score of 51.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.BAC ranks #1,670 out of 4,446 stocks in our coverage universe. Within the Financials sector, BANK OF AMERICA CORP /DE/ ranks #509 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BAC Stock Price and 52-Week Range

BANK OF AMERICA CORP /DE/ (BAC) currently trades at $52.61. The stock lost $0.10 (0.2%) in the most recent trading session. The 52-week high for BAC is $57.55, which means the stock is currently trading -8.6% from its annual peak. The 52-week low is $33.06, putting the stock 59.1% above its annual trough. Recent trading volume was 25.2M shares, indicating strong institutional interest and high liquidity.

Is BAC Overvalued or Undervalued? — Valuation Analysis

BANK OF AMERICA CORP /DE/ (BAC) carries a value factor score of 64/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 12.03x, compared to the Financials sector average of 14.88x — a discount of 19%. The price-to-book ratio stands at 1.18x, versus the sector average of 1.22x. The price-to-sales ratio is 3.35x, compared to 0.90x for the average Financials stock. On an enterprise value basis, BAC trades at 20.78x EV/EBITDA, versus 3.26x for the sector.

Overall, BAC's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

BANK OF AMERICA CORP /DE/ Profitability — ROE, Margins, and Quality Score

BANK OF AMERICA CORP /DE/ (BAC) earns a quality factor score of 55/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 9.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.9% versus the sector average of 1.2%.

On a margin basis, BANK OF AMERICA CORP /DE/ reports gross margins of 0.0%. The operating margin is 30.3% (sector: 21.8%). Net profit margin stands at 27.8%, versus 17.7% for the average Financials stock. Revenue growth is running at 10.7% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

BAC Debt, Balance Sheet, and Financial Health

BANK OF AMERICA CORP /DE/ has a debt-to-equity ratio of 105.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.10x, suggesting adequate working capital coverage. Total debt on the balance sheet is $317.82B. Cash and equivalents stand at $25.35B.

BAC has a beta of 0.96, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for BANK OF AMERICA CORP /DE/ is 79/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

BANK OF AMERICA CORP /DE/ Revenue and Earnings History — Quarterly Trend

In TTM 2026, BANK OF AMERICA CORP /DE/ reported revenue of $107.26B and earnings per share (EPS) of $3.86. Net income for the quarter was $29.88B. Gross margin was 0.0%. Operating income came in at $32.58B.

In FY 2025, BANK OF AMERICA CORP /DE/ reported revenue of $113.10B and earnings per share (EPS) of $3.86. Net income for the quarter was $30.51B. Revenue grew 11.0% year-over-year compared to FY 2024. Operating income came in at $37.70B.

In Q3 2025, BANK OF AMERICA CORP /DE/ reported revenue of $28.09B and earnings per share (EPS) of $1.08. Net income for the quarter was $8.47B. Revenue grew 10.8% year-over-year compared to Q3 2024. Operating income came in at $9.46B.

In Q2 2025, BANK OF AMERICA CORP /DE/ reported revenue of $26.46B and earnings per share (EPS) of $0.90. Net income for the quarter was $7.12B. Revenue grew 4.3% year-over-year compared to Q2 2024. Operating income came in at $7.69B.

Over the past 8 quarters, BANK OF AMERICA CORP /DE/ has demonstrated a growth trajectory, with revenue expanding from $25.38B to $107.26B. Investors analyzing BAC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BAC Dividend Yield and Income Analysis

BANK OF AMERICA CORP /DE/ (BAC) does not currently pay a dividend. This is common among growth-oriented companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

BAC Momentum and Technical Analysis Profile

BANK OF AMERICA CORP /DE/ (BAC) has a momentum factor score of 46/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 28/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

BAC vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, BANK OF AMERICA CORP /DE/ (BAC) ranks #509 out of 891 stocks based on the Blank Capital composite score. This places BAC in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing BAC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BAC vs S&P 500 (SPY) comparison to assess how BANK OF AMERICA CORP /DE/ stacks up against the broader market across all factor dimensions.

BAC Next Earnings Date

BANK OF AMERICA CORP /DE/ (BAC) is scheduled to report earnings on April 15, 2026 for Q1 2026. Analysts estimate EPS of $0.99. Revenue is estimated at $29.92B.Investors can track all upcoming reports on the earnings calendar.

Should You Buy BAC? — Investment Thesis Summary

BANK OF AMERICA CORP /DE/ presents a balanced picture with arguments on both sides. The value score of 64/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 79/100) reduces downside risk.

In summary, BANK OF AMERICA CORP /DE/ (BAC) earns a Hold rating with a composite score of 51.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BAC stock.

Related Resources for BAC Investors

Explore more research and tools: BAC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BAC head-to-head with peers: BAC vs WTM, BAC vs OPY, BAC vs ACT.

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BANK OF AMERICA CORP /DE/ (BAC) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does BANK OF AMERICA CORP /DE/ Do?

BANK OF AMERICA CORP /DE/ (BAC) Stock Rating — Hold (April 2026)

BAC Stock Price and 52-Week Range

Is BAC Overvalued or Undervalued? — Valuation Analysis

BANK OF AMERICA CORP /DE/ Profitability — ROE, Margins, and Quality Score

BAC Debt, Balance Sheet, and Financial Health

BANK OF AMERICA CORP /DE/ Revenue and Earnings History — Quarterly Trend

BAC Dividend Yield and Income Analysis

BAC Momentum and Technical Analysis Profile

BAC vs Competitors — Financials Sector Ranking and Peer Comparison

BAC Next Earnings Date

Should You Buy BAC? — Investment Thesis Summary

Related Resources for BAC Investors

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