US · BAC
Bank of America Corporation
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- Charlotte, NC 28255
- Website
- bankofamerica.com
Price · as of 2025-12-31
$53.24
Market cap 363.88B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $34.77 | -34.69% |
| Intrinsic Value(DCF) | $34.10 | -35.95% |
| Graham-Dodd Method(GD) | $33.12 | -37.79% |
| Graham Formula(GF) | $25.86 | -51.44% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $6.30 | $23.58 | $14.99 | $13.93 | $0.00 |
| 2012 | $9.49 | $20.89 | $15.29 | $14.82 | $0.00 |
| 2013 | $13.65 | $32.08 | $17.11 | $18.16 | $9.48 |
| 2014 | $12.81 | $17.79 | $17.94 | $15.84 | $3.26 |
| 2015 | $11.12 | $30.03 | $21.33 | $20.30 | $7.42 |
| 2016 | $20.71 | $33.68 | $23.45 | $21.73 | $14.42 |
| 2017 | $27.22 | $32.91 | $24.09 | $19.99 | $25.14 |
| 2018 | $24.30 | $31.74 | $24.24 | $23.14 | $49.87 |
| 2019 | $22.19 | $36.42 | $25.53 | $25.98 | $33.81 |
| 2020 | $33.79 | $30.86 | $27.83 | $20.28 | $0.00 |
| 2021 | $36.61 | $29.52 | $30.61 | $28.27 | $31.33 |
| 2022 | $28.16 | $35.79 | $31.22 | $26.27 | $100.93 |
| 2023 | $34.17 | $48.47 | $84.25 | $27.26 | $182.91 |
| 2024 | $40.46 | $42.66 | $125.47 | $28.39 | $68.75 |
| 2025 | $49.81 | $34.77 | $49.08 | $33.12 | $25.86 |
AI valuation
Our deep-learning model estimates Bank of America Corporation's (BAC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $34.77
- Current price
- $53.24
- AI upside
- -34.69%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$34.10
-35.95% upside
Graham-Dodd
$33.12
-37.79% upside
Graham Formula
$25.86
-51.44% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BAC | Bank of America Corporati… | $53.24 | 363.88B | -35% | -36% | -38% | -51% | 12.02 | 1.21 | 1.94 | -6.31 | 64.53 | 1.57 | 55.42% | 18.48% | 16.23% | 10.19% | 371.61% | 0.91% | 1.21 | 0.44 | 0.42 | 0.42 | 3.66 | 1863.00% | -191.00% | -24325.00% | 3.44% | 0.00 | 153.03% | 2.61% | 31.30% | 70.57% | -6.62 | -18.31 | -1.22 | -0.26 |
| BMO | Bank of Montreal | $143.93 | 102.03B | +100% | -42% | -73% | -55% | 15.33 | 1.52 | 1.71 | 32.39 | 75.53 | 2.01 | 41.56% | 14.78% | 11.14% | 10.13% | 2.35% | 0.60% | 4.72 | 0.27 | 0.14 | 0.14 | 25.12 | 2029.00% | -52.00% | -6901.00% | 6.36% | 0.01 | 2.29% | 3.76% | 57.70% | 6.30% | 38.51 | 52.26 | 5.69 | -0.60 |
| C | Citigroup Inc. | $110.22 | 197.21B | +15% | -11% | -8% | -52% | 14.35 | 0.96 | 1.21 | 10.53 | 82.10 | 1.07 | 44.55% | 11.78% | 8.48% | 6.72% | 5.22% | 0.56% | 3.37 | 0.24 | 0.48 | 0.48 | 15.86 | 1748.00% | -141.00% | -18515.00% | 10.98% | 0.02 | 8.05% | 2.65% | 38.00% | 11.64% | 12.27 | 10.92 | 1.45 | -0.11 |
| GS | The Goldman Sachs Group, … | $859.57 | 260.21B | +5% | -42% | -58% | -57% | 15.69 | 2.16 | 2.15 | 17.90 | 59.00 | 2.75 | 45.70% | 15.69% | 13.73% | 13.91% | 48.89% | 0.99% | 4.95 | 0.29 | 1.21 | 1.21 | 20.86 | 2659.00% | -138.00% | 20855.00% | -17.52% | -0.08 | -149.66% | 1.96% | 30.70% | 6.55% | 19.89 | -8.27 | 3.12 | 0.28 |
| HSBC | HSBC Holdings plc | $93.16 | 320.01B | -18% | +186% | -73% | -23% | 14.79 | 1.76 | 2.12 | 5.35 | — | 1.90 | 54.63% | 20.27% | 15.11% | 11.67% | 27.55% | 0.68% | 2.79 | 0.47 | 2.62 | 2.62 | 7.19 | -242.00% | 319.00% | -8471.00% | 3.00% | 0.04 | 11.52% | 4.32% | 63.90% | 5.47% | 5.19 | 16.56 | 1.05 | 0.36 |
| MUFG | Mitsubishi UFJ Financial … | $18.64 | 211.28B | -44% | +27% | -35% | +24% | 9.44 | 1.17 | 1.94 | -13.69 | 33.40 | 1.29 | 56.54% | 20.52% | 14.99% | 12.72% | -5.30% | 0.62% | 4.36 | 0.46 | 0.49 | 0.49 | -6.64 | 2827.00% | 1413.00% | -9563.00% | -1.87% | 0.00 | 1.23% | 2.21% | 20.90% | 3.95% | -15.92 | 90.18 | -3.27 | -0.34 |
| RY | Royal Bank of Canada | $167.23 | 234.95B | +114% | -45% | -73% | -37% | 16.33 | 2.39 | 2.42 | 34.89 | 64.13 | 2.96 | 45.26% | 18.67% | 14.82% | 15.30% | 2.63% | 0.91% | 6.00 | 0.36 | 0.13 | 0.13 | 26.02 | 2547.00% | 213.00% | 15398.00% | 15.92% | 0.04 | 6.84% | 2.65% | 43.20% | 6.70% | 39.08 | 18.92 | 7.30 | -0.45 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About Bank of America Corporation
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.
- CEO
- Brian Thomas Moynihan
- Employees
- 213K
- Beta
- 1.27
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($34.10 ÷ $53.24) − 1 = -35.95% (DCF, example).