NYSE: BAC - Bank of America

Yield per half year: +29.14%
Sector: Financials

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1. Summary

Advantages

  • The stock's return over the last year (33.72%) is higher than the sector average (-96.9%).
  • Current debt level 10.51% is below 100% and has decreased over 5 years from 10.6%.

Disadvantages

  • Price (42.59 $) is higher than fair price (30.77 $)
  • Dividends (2.73%) are below the sector average (4.57%).
  • The company's current efficiency (ROE=9.39%) is lower than the sector average (ROE=74.85%)

2. Share price and performance

2.1. Share price

2.2. News

2.3. Market efficiency

Bank of America Financials Index
7 days -3.5% -96.9% 3.5%
90 days 11% -96.8% -11%
1 year 33.7% -96.9% 3.9%

Positive review BAC vs Sector: Bank of America has outperformed the "Financials" sector by 130.62% over the past year.

Positive review BAC vs Market: Bank of America has outperformed the market by 29.83% over the past year.

Positive review Stable price: BAC is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.

Long period: BAC with weekly volatility of 0.6485% over the past year.

3. Summary of the report

3.1. General

P/E: 10.19
P/S: 2.74

3.2. Revenue

EPS 3.28
ROE 9.39%
ROA 0.8511%
ROIC 0%
Ebitda margin 30.81%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Negative review Above fair price: The current price (42.59 $) is higher than the fair price (30.77 $).

Negative review Price is higher than fair: The current price (42.59 $) is 27.8% higher than the fair price.

4.2. P/E

Positive review P/E vs Sector: The company's P/E (10.19) is lower than that of the sector as a whole (27.19).

Positive review P/E vs Market: The company's P/E (10.19) is lower than that of the market as a whole (65.43).

4.2.1 P/E Similar companies

4.3. P/BV

Positive review P/BV vs Sector: The company's P/BV (0.9262) is lower than that of the sector as a whole (3.06).

Positive review P/BV vs Market: The company's P/BV (0.9262) is lower than that of the market as a whole (21.92).

4.3.1 P/BV Similar companies

4.4. P/S

Positive review P/S vs Sector: The company's P/S indicator (2.74) is lower than that of the sector as a whole (71.11).

Positive review P/S vs Market: The company's P/S indicator (2.74) is lower than that of the market as a whole (22.13).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

Negative review EV/Ebitda vs Sector: The company's EV/Ebitda (8.66) is higher than that of the sector as a whole (-111.75).

Positive review EV/Ebitda vs Market: The company's EV/Ebitda (8.66) is lower than that of the market as a whole (12.08).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Ebitda

Negative review Yield Trend: Negative and has fallen by -0.6635% over the last 5 years.

Positive review Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-0.6635%).

Positive review Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-42.65%).

5.4. ROE

Negative review ROE vs Sector: The company's ROE (9.39%) is lower than that of the sector as a whole (74.85%).

Positive review ROE vs Market: The company's ROE (9.39%) is higher than that of the market as a whole (-14.53%).

5.5. ROA

Negative review ROA vs Sector: The company's ROA (0.8511%) is lower than that of the sector as a whole (2.3%).

Negative review ROA vs Market: The company's ROA (0.8511%) is lower than that of the market as a whole (6.79%).

5.6. ROIC

Negative review ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (7.72%).

Negative review ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (8.49%).

6. Finance

6.1. Assets and debt

Positive review Debt level: (10.51%) is quite low in relation to assets.

Positive review Debt reduction: over 5 years, the debt has decreased from 10.6% to 10.51%.

Negative review Excess of debt: The debt is not covered by net income, percentage 1260.56%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Negative review Low yield: The dividend yield of the company 2.73% is below the average for the sector '4.57%.

7.2. Stability and increase in payments

Positive review Dividend stability: The company's dividend yield 2.73% has been steadily paid over the past 7 years, DSI=0.93.

Positive review Dividend growth: Company's dividend yield 2.73% has been growing over the last 5 years. Growth over 10 years.

7.3. Payout percentage

Positive review Dividend Coverage: Current payments from income (34.27%) are at a comfortable level.

8. Insider trades

8.1. Insider trading

Negative review Insider Selling More insider purchases by 23639444.06% over the last 3 months.

8.2. Latest transactions

Transaction date Insider Type Price Volume Quantity
19.07.2024 BERKSHIRE HATHAWAY INC
10% Owner
Sale 43.13 530 146 000 12291807
18.07.2024 BERKSHIRE HATHAWAY INC
10% Owner
Sale 43.45 387 071 000 8908427
17.07.2024 BERKSHIRE HATHAWAY INC
10% Owner
Sale 44.07 559 279 000 12690693
28.06.2024 BANK OF AMERICA CORP /DE/
10% Owner
Sale 23.77 6 252 263
28.06.2024 BANK OF AMERICA CORP /DE/
10% Owner
Purchase 23.75 6 246 263

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