Bank of America Corp (BAC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bank of America Corp stock (BAC) is currently trading at $48.75. Bank of America Corp PE ratio is 12.64. Bank of America Corp PS ratio (Price-to-Sales) is 3.27. Analyst consensus price target for BAC is $61.77. WallStSmart rates BAC as Buy.
Bank of America Corp (BAC) stock price prediction for 2030: Base case $134.48. Bull case $168.09. Bear case $100.86. See full BAC 2030 price forecast and methodology on WallStSmart.
- BAC PE ratio analysis and historical PE chart
- BAC PS ratio (Price-to-Sales) history and trend
- BAC intrinsic value — DCF, Graham Number, EPV models
- BAC stock price prediction 2025 2026 2027 2028 2029 2030
- BAC fair value vs current price
- BAC insider transactions and insider buying
- Is BAC undervalued or overvalued?
- Bank of America Corp financial analysis — revenue, earnings, cash flow
- BAC Piotroski F-Score and Altman Z-Score
- BAC analyst price target and Smart Rating
Bank of America Corp
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BAC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bank of America Corp (BAC)
BAC trades at a significant discount to its Graham intrinsic value of $155.14, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bank of America Corp (BAC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Bank of America Corp (BAC) Key Strengths (7)
Mega-cap company, among the largest in the world
Growing significantly faster than its price suggests
Keeps $42 of every $100 in revenue after operating costs
Keeps $28 of every $100 in revenue as net profit
71.19% of shares held by major funds and institutions
Trading at 1.22x book value, attractively priced
Strong earnings growth at 21.20% per year
Supporting Valuation Data
Bank of America Corp (BAC) Areas to Watch (3)
Modest revenue growth at 7.20%
Moderate profitability with room for improvement
Revenue is fairly priced at 3.27x sales
Bank of America Corp (BAC) Detailed Analysis Report
Overall Assessment
This company scores 80/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.4/10) while 3 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Market Cap, PEG Ratio, Operating Margin. Valuation metrics including PEG Ratio (0.89), Price/Book (1.22) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.60%, Profit Margin at 28.40%. Growth metrics are encouraging with EPS Growth at 21.20%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.27) suggest expensive pricing. Growth concerns include Revenue Growth at 7.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Market Cap and PEG Ratio makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BAC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BAC's Price-to-Sales ratio of 3.27x trades at a 28% premium to its historical average of 2.55x (72th percentile). The current valuation is 47% below its historical high of 6.13x set in Sep 2006, and 739% above its historical low of 0.39x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bank of America Corp (BAC) · FINANCIAL SERVICES › BANKS - DIVERSIFIED
The Big Picture
Bank of America Corp is a mature, profitable business with steady cash generation. Revenue reached 107.4B with 7% growth year-over-year. Profit margins are strong at 28.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 28.4% and operating margin of 41.6% demonstrate strong pricing power and operational efficiency.
Free cash flow is -22.9B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor BANKS - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Bank of America Corp.
Bottom Line
Bank of America Corp is a well-established business delivering consistent profitability with 28.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Bank of America Corp(BAC)
NYSE
FINANCIAL SERVICES
BANKS - DIVERSIFIED
USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.