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$BAC$49.76 ▼3.6%
Bank of America Corporation
WHAT THEY DO
Bank of America is a large US bank that takes deposits and lends money to consumers and businesses, and also runs wealth management, investment banking, and trading operations. It earns most of its money from net interest income (the spread between what it pays depositors and charges borrowers) plus fees from cards, advisory, and asset management.
💎 CONVERGENCE PLAY — in 2 themes
Rate-sensitive NIIUS Consumer CreditCapital Return
PRICE
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REVENUE MIX
Consumer Banking38%
Global Wealth & Investment Mgmt22%
Global Banking20%
Global Markets20%
COST
Noninterest expense60%
Op Margin31%
FINANCIAL HEALTH
Reported through Sep 30, 2026
Figures are trailing twelve months (TTM) unless marked otherwise.
REVENUE
$114.9B
Growth
3%
QTR YOY
Gross M.
0%
P/E
11.9
EV/EBITDA
0
Net M.
28%
FCF M.
null%
D/E
2.33
LATEST QTR
Op M.
31%
PLUG INTO YOUR DCF
Historical growth
4.7%
Analyst 5y growth
—
Forward P/E
9.6
PEG ratio
0.90
Trailing EPS
$4.20
Forward EPS
$5.20
Multiple compressing
Forward P/E is lower than trailing — earnings are expected to grow into the price.
CAPEX & R&D — LAST 0 FISCAL YEARS (SEC FILINGS)
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TAM
SIZE
$1.5T US banking revenue pool
CAGR
4%
US retail and commercial banking revenue grows roughly with nominal GDP plus fee pools like wealth and advisory. Deposit competition and regulation cap pricing power, so share gains and efficiency matter more than market growth.
RISK ASSESSMENT
HIGCredit deterioration in consumer cards and commercial real estate could force higher loan-loss provisions and hit earnings.
MEDFalling short rates compress net interest income and deposit spreads faster than loan growth can offset.
LOWHigher capital and liquidity rules could constrain buybacks and dividend growth.
🐂 BULL
Trades near 1.3x book with an 11% ROE and 11.9x earnings, so modest multiple re-rating plus steady buybacks can deliver double-digit total return.
🐻 BEAR
If credit costs normalize higher and rate cuts squeeze NII, ROE stalls near 11% and the discount to book persists, leaving little upside.
EARNINGS
EPS · Q3 2026
Beat ✓
REVENUE
Beat ✓
MANAGEMENT TONE
BearishBullish
🔗 IMPACT ON YOUR THESIS
Net interest income stabilizes as deposit costs reprice lower
Watch→On Track
NII came in at the high end of guidance as deposit costs fell
Credit losses stay within guidance across cards and CRE
On Track→On Track
Provisions roughly in line, no material CRE surprises
Efficiency ratio improves via cost discipline
Watch→Watch
Expenses ticked up on tech and litigation, still tracking plan
AI-powered data, computed by TreasureX · May contain inaccuracies
⚠️
All values, scores, and figures here are computed from your own assumptions and public data, for educational purposes only. This is not investment advice — TreasureX does not recommend buying or selling any security. Results change with your inputs. Please do your own research and use your own judgement before making any investment decision.