Checking your sign-in status…

Private workspace

Finance

Research, portfolio tools, and market analysis in one place.

Finance home
Back to US Equities

US Equities · Finance research note

BAC — Bank of America

Research and analysis only
View analysis Browse US Equities

Evidence and analysis

Research evidence pack

Source-backed valuation visuals

Loading verified snapshot
Loading verified market, valuation, and statement data.

2. Company Fundamentals

2.1 Competitiveness

Metric Value
Operating Margins 35.96%
Profit Margins 28.96%
Return on Equity 10.64%
Return on Assets 0.93%
Free Float 7.07B
Dividend Yield 1.92%
Short Int % Utilisation 0.0%

2.2 Growth

Metric Value
Revenue Growth 8.1%
EBITDA N/A (Ratio)
Enterprise Value 360.66B
EV/Revenue 3.29

Revenue growth of 8.1% indicates steady, moderate expansion.

2.3 Management

Role Metric
Consensus Rating N/A

2.4 Return

Metric Value
Expected Return (Ann.)* 43.97%
Risk / Std Dev (Ann.)* 21.25%
1-Year Price Return* 40.38%

Latest Market Data (as of 2026-08-14, US Eastern time):

Metric Value
Last Price $64.49
52-Week Range $46.12 – $65.20
Observation Count 251 trading days

The return and risk statistics use daily adjusted closes from the retrieved one-year series and annualise daily moments using 252 trading days. The last price is the latest regular-market price reported for the stated date. Source: Yahoo Finance market data.

DuPont Model Analysis

The DuPont model decomposes return on equity (ROE) into three operating and capital-structure drivers:

ROE = Net Margin × Asset Turnover × Equity Multiplier

The comparison uses the latest two comparable annual periods available for the issuer, with reported statement amounts shown in US$. Revenue and net income are income-statement flows; total assets and shareholders’ equity are year-end balance-sheet figures. This is a simplified year-end-balance DuPont comparison rather than an average-balance ROE calculation.

DuPont component Calculation FY2025 FY2024
Revenue Reported revenue $113.10B $105.86B
Net income Reported net income $29.05B $25.34B
Total assets Year-end reported balance $3,411.74B $3,261.30B
Shareholders’ equity Year-end reported balance $303.24B $293.96B
Net margin Net income ÷ revenue 25.69% 23.94%
Asset turnover Revenue ÷ total assets 0.0331x 0.0325x
Equity multiplier Total assets ÷ shareholders’ equity 11.2508x 11.0942x
ROE Net margin × asset turnover × equity multiplier 9.58% 8.62%

Source: Yahoo Finance annual statements. Values are based on the two latest comparable annual periods returned by the source; fiscal period labels use the statement period-end year.

2.5 FCFF DCF Valuation

FCFF DCF exception: FCFF DCF is not the primary valuation method for financial institutions or REITs. This post deliberately does not publish a mechanical enterprise value or implied per-share value on an unsuitable basis.

Available valuation input Value
Last market price $63.85
Market capitalisation $446.52B
Revenue $113.10B
EBIT NM
Reported free cash flow $12.61B
FCF yield 2.82%
Net debt / EBITDA NM

2.6 Investor-Style Research Screen

Educational screen Result
Buffett-inspired cash-quality checks not rated — FCFF DCF suitability or data-integrity condition not met
Lynch-inspired balance-and-growth checks not rated — FCFF DCF suitability or data-integrity condition not met

Data lineage: Yahoo Finance public market and reported-statement data; retrieval timestamp: 2026-08-18 17:23:56.732191 UTC; latest reported fiscal period: 2025-12-31 00:00:00. Financial institutions and REITs require sector-specific methods rather than a mechanical FCFF DCF. This is research and analysis only, not personalized financial advice.

2.7 Quantitative Factor Diagnostics

Model basis: Daily issuer USD excess returns are regressed in-sample using ordinary least squares on matching regional Fama–French factors. FF3 estimates market, size, and value loadings; FF5 adds profitability and investment. Coefficients are descriptive historical exposures, not predictions.

Estimation input Value
Regional factor set US
Factor-return currency USD
Issuer-return basis USD adjusted total return
Estimation window 2025-08-19 to 2026-06-30
Aligned daily observations 217
Minimum observation requirement 120
Currency conversion for HK listings not required

Fama–French Three-Factor and Five-Factor Results

Diagnostic FF3 FF5
Annualised alpha -11.45% -10.77%
Adjusted R² 0.40 0.40
Annualised residual volatility 16.60% 16.51%
Factor loading (t-statistic) FF3 FF5
Market excess return (Mkt-RF) 0.99 (10.12) 0.99 (8.88)
Size (SMB) 0.05 (0.34) 0.12 (0.88)
Value (HML) 0.92 (8.06) 1.01 (7.20)
Profitability (RMW) NM 0.11 (0.94)
Investment (CMA) NM -0.28 (-1.37)

Definitions: Mkt-RF is the market return less the risk-free rate; SMB is small minus big; HML is high minus low book-to-market; RMW is robust minus weak profitability; CMA is conservative minus aggressive investment. Factor returns are sourced from the Kenneth R. French Data Library; issuer adjusted-return history is sourced from Yahoo Finance. For Hong Kong listings, adjusted HKD prices are converted into USD with daily USD/HKD closes before return calculation to match the USD regional factor basis. This is an in-sample historical regression; coefficients and t-statistics do not establish causation or predict future returns. This is research and analysis only, not personalized financial advice.

us-equitystockequitybacfinancialsdiversified-banksnasdaq