BANK OF AMERICA CORP /DE/ (BAC) Stock Analysis

Analysis from 10-Q filed 2025-10-31. Data as of Q2 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin 78.2%. D/E 1.1x. Source: 10-Q filed 2025-10-31.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	78.2%	Strong cash generation
Debt/Equity	1.1x	Moderate leverage

FCF margin 78.2% — Top 5%.

Explore BANK OF AMERICA CORP /DE/: Earnings History | Filings

Programmatic access: Available via MCP at mcp.metricduck.com. Tools for BAC: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.

---

Profitability: BANK OF AMERICA CORP /DE/ earns N/A ROIC

ROIC TTM N/A. Source: 10-Q filed 2025-10-31.

Metric	BAC	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below cost of capital
Return on Equity (ROE)	11.1%	Adequate	Moderate equity returns

---

Cash Flow: BANK OF AMERICA CORP /DE/ generates $94.7B FCF at 78.2% margin, positive NaN/8 quarters

FCF TTM $94.7B. FCF margin 78.2%, Top 5%. OCF/Net income 2.8x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-31.

Metric	BAC	Rating	Context
Free Cash Flow Margin	78.2%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$94.7B	Good	Positive cash generation
OCF/Net Income	2.8x	Excellent	High earnings quality
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

---

Balance Sheet: BANK OF AMERICA CORP /DE/ at 1.1x leverage

Debt/Equity 1.1x. Total debt $339.9B, cash & investments $229.7B. Source: 10-Q filed 2025-10-31.

Metric	BAC	Rating	Context
Debt to Equity	1.1x	Adequate	Moderate leverage
Net Cash Position	$-110.1B	Warning	Net debt position

---

Valuation: BANK OF AMERICA CORP /DE/ trades at 12.8x earnings

P/E 12.8x. EV/Sales 4.2x. FCF yield 23.0%. Dividend yield 2.4%. Source: 10-Q filed 2025-10-31.

Metric	BAC	Rating	Context
P/E Ratio	12.8x	Adequate	Reasonable valuation
EV/Sales	4.2x	Good	Growth premium priced in
FCF Yield	23.0%	Excellent	Attractive cash return
Dividend Yield	2.4%	Adequate	Growth focus over income

---

Capital Allocation: BANK OF AMERICA CORP /DE/ returns 8.4% shareholder yield

Total shareholder yield 8.4% (div 2.4% + buyback 6.0%). Capital returned $34.6B TTM. Source: 10-Q filed 2025-10-31.

Metric	BAC	Rating	Context
Total Shareholder Yield	8.4%	Excellent	Dividend + buyback yield combined
Buyback Yield	6.0%	Good	Active share repurchases
Total Capital Returned (TTM)	$34.6B	Good	Dividends + buybacks returned to shareholders

---

Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	78.2%	Top 5%	3.3x above
Return on Equity (ROE)	11.1%	Top 50%	1.0x above
P/E Ratio	12.8x	N/A	-

---

Financial Scorecard

Metric	BAC	Rating	Sector Context
Free Cash Flow Margin	78.2%	Excellent	Top 5% of sector (median: 23.4%)
Debt to Equity Ratio	112.9%	Adequate	Elevated but manageable
P/E Ratio (Price-to-Earnings)	12.8x	Adequate	Attractively valued
Free Cash Flow Yield	23.0%	Excellent	High cash return

---

Frequently Asked Questions

Q: What is BANK OF AMERICA CORP /DE/'s Return on Invested Capital (ROIC)?

BANK OF AMERICA CORP /DE/ (BAC) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Source: 10-Q filed 2025-10-31.

Q: What is BANK OF AMERICA CORP /DE/'s Free Cash Flow Margin?

BANK OF AMERICA CORP /DE/ (BAC) has a free cash flow margin of 78.2%, generating $94.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-31.

Q: What is BANK OF AMERICA CORP /DE/'s P/E ratio and how does it compare to peers?

BANK OF AMERICA CORP /DE/ (BAC) trades at a P/E ratio of 12.8x, which is above the sector median of N/A. EV/Sales 4.2x. FCF yield 23.0%. Source: 10-Q filed 2025-10-31.

Q: Does BANK OF AMERICA CORP /DE/ pay a dividend?

BANK OF AMERICA CORP /DE/ (BAC) currently pays a dividend yield of 2.4%. Total shareholder yield (dividend + buybacks) 8.4%. Source: 10-Q filed 2025-10-31.

Q: How much debt does BANK OF AMERICA CORP /DE/ have?

BANK OF AMERICA CORP /DE/ (BAC) has a debt-to-equity ratio of 1.1x with total debt of $339.9 billion. Net debt $110.1 billion. Source: 10-Q filed 2025-10-31.

Q: What is BANK OF AMERICA CORP /DE/'s revenue and earnings growth?

BANK OF AMERICA CORP /DE/ (BAC) grew revenue by 9.7% year-over-year. EPS +26.7% YoY. Source: 10-Q filed 2025-10-31.

Q: Is BANK OF AMERICA CORP /DE/ buying back stock?

BANK OF AMERICA CORP /DE/ (BAC) repurchased $24.9 billion of stock over the trailing twelve months. This represents a buyback yield of 6.0%. Source: 10-Q filed 2025-10-31.

Q: How does BANK OF AMERICA CORP /DE/ compare to competitors in Financials?

Compared to other companies in Financials, BANK OF AMERICA CORP /DE/ (BAC) shows: FCF margin 78.2%, sector median 23.4% (Top 5%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.

Q: What warning signs should I watch for with BANK OF AMERICA CORP /DE/?

No quantitative warning flags fired for BANK OF AMERICA CORP /DE/ (BAC) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-10-31.

---

Data Source: Data sourced from 10-Q filed 2025-10-31. TTM metrics as of Q2 2026.

Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.

Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.

This analysis is for informational purposes only and does not constitute investment advice.