Bank of America CorporationBAC
NYSE • Financial Services
$52.54
P/E
13.54
PEG
—
FCF Yield
—
Rev Growth YoY
+3.0% YoY
Gross Margin
60.1%
Health Score
7/10
D/E Ratio
1.21
Confidence
MEDIUM
Business Snapshot
Bank of America Corporation is one of the largest diversified financial services institutions in the United States, providing consumer banking, wealth management, global markets, and corporate lending services across a vast domestic and international footprint. The company serves tens of millions of individuals and businesses through its broad suite of deposit, credit, and investment products. Based on a current price of $52.54 and TTM revenue of $191.57B, BAC operates firmly in the large-cap tier.
Financial Health
**Score: 7/10** Bank of America's financial health is broadly solid, anchored by a gross margin of 60.1% (up meaningfully from 55.6% the prior year), reflecting improving revenue quality. Free cash flow stands at a healthy $12.61B, providing meaningful capital flexibility for dividends, buybacks, and operational needs...
Risk Assessment
- **EARNINGS DETERIORATION:** Earnings growth of -11.1% YoY signals that profitability is shrinking even as revenue inches higher, suggesting rising costs or margin compression at the net income level. - **DCF PREMIUM:** The stock trades at a 37.7% premium to the FMP DCF fair value of $32.74 (confidence: high), raising the possibility the market is pricing in growth expectations that are not yet materialising. - **TECHNICAL WEAKNESS:** A confirmed "death cross" pattern (50-day MA crossing below 200-day MA) and a bearish MACD signal indicate negative price momentum; the current price of $52.54 is below both key moving averages. - **CURRENT RATIO:** A current ratio of 0.42x reflects the structural nature of banking balance sheets but means short-term liabilities significantly exceed liquid current assets, leaving little buffer in stress scenarios. - **EV/EBITDA ANOMALY:** An EV/EBITDA of 86.27x is strikingly high and, while partially attributable to how bank earnings are structured, warrants scrutiny as it limits comparability with standard valuation benchmarks. ---...