Bank of America Corp (BAC) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Bank of America Corp stock $42.16, price $49.76, that is 15.3% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Bank of America Corp
BAC · USOur calculation puts a fair price 15% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $23.42 – $64.48 · fair‑value band $38.10 – $53.30 · the $49.76 price screens above the $42.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide.
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It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets.
The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans.
The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services.
The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, and underwriting and advisory services.
The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products.
Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.
Stock analysis
Bank of America Corp (BAC) currently trades at $49.76, while our model-based Fair Value estimate is $42.16, 15% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $46.53 per share, and 1 of the 6 models we run sit above the $49.76 price.
Bear case: the Dividend Discount group reads lowest at $21.42, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $38.10 (bear) to $53.30 (bull), the price of $49.76 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank of America Corp reported revenue of $192B in FY2025 versus $89.1B in FY2021, a compound +21.1%/yr. Reported net income was $30.5B in FY2025, compounding −1.2%/yr from FY2021.
Key figures
Market cap $363B Mega · P/E ratio 12.1 · P/S ratio 3.16 · EPS (TTM) $4.12 · Dividend yield 2.3% · Net margin 28.1% · Return on equity 10.7% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (medium confidence).
What moves the price
The share trades about 23% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −18% fair-value upside, at −15%, BAC screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- SaleGeoffrey S GreenerChief Risk Officer126,756 shares at $53.01$6.7MMay 5, 2026
- SaleBernard A MensahPresident, International94,000 shares at $46.94$4.4MMar 12, 2026
- SaleSheri B. BronsteinChief People Officer60,000 shares at $49.91$3.0MMar 5, 2026
- SaleThomas M ScrivenerChief Operations Executive50,000 shares at $49.82$2.5MMar 5, 2026
- SaleJames P DeMareCo-President83,832 shares at $50.00$4.2MMar 4, 2026
- SaleDean C AthanasiaCo-President136,558 shares at $50.21$6.9MMar 3, 2026
- SaleAlastair M BorthwickExecutive Vice President & CFO68,000 shares at $50.24$3.4MFeb 27, 2026
Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
BAC screens overvalued: fair value 15% below the price. Compare with JPMorgan Chase & Co →
Recent news
- Market Selloff Hits Financial Stocks. Why Banks, Brokerages Are Caught in the Crossfire.
- Democrats plan to probe JPMorgan's banking ties with Epstein when in control of Congress - CNBC
Compare Bank of America Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 46 stocks
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Dividend yield by industry
- EV/EBITDA by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Agricultural Bank of China Limited 601288 | ¥7.25 | ¥9.14 | +26% | vs BAC |
| Industrial and Commercial Bank of China Limited 601398 | ¥8.35 | ¥10.52 | +26% | vs BAC |
| Bank of China Limited 601988 | ¥6.77 | ¥7.73 | +14% | vs BAC |
| China Construction Bank Corporation 601939 | ¥11.91 | ¥13.33 | +12% | vs BAC |
| Citigroup Inc C | $118.45 | $96.55 | −18% | vs BAC |
| Wells Fargo & Company WFC | $84.80 | $66.59 | −21% | vs BAC |
| Mitsubishi UFJ Financial Group MUFG | $21.14 | $14.73 | −30% | vs BAC |
| Royal Bank of Canada RY | $203.76 | $132.82 | −35% | vs BAC |
| The Toronto-Dominion Bank, TD | $123.09 | $77.39 | −37% | vs BAC |
| JPMorgan Chase & Co JPM | $337.34 | $187.04 | −45% | vs BAC |
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Key figures of Bank of America Corp
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