| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 76 | 12.0x | 17.3x | Top tier | |
Growth | 31 | -0.9% | 7.1% | Bottom tier | |
Quality | 63 | — | — | Around median | |
Safety | 14 | — | — | Bottom tier | |
Capital Return | 92 | 0.55% | 0.06% | Top tier | |
Momentum | 56 | 8.7% | -1.5% | Around median | |
Sentiment | 75 | 15 | 3 | Top tier |
10-year US Treasury yield 5.13% as of 2026-10-21. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Bank of America Corporation, listed as BAC on NYSE, operates across consumer banking, wealth management, commercial banking, and markets and investment banking. It earns net interest income from lending and funding activities, as well as fees from asset management, investment banking, and trading. One feature of its model is linking deposits, lending, payments, and wealth management through the same client relationships; in quarter 3 of fiscal year 2026, ended 2026-09-30, deposits exceeded two trillion dollars, period-end loans reached 1.25 trillion dollars, and the bank added 200 thousand net new primary consumer checking accounts.
Net revenue in quarter 3 of fiscal year 2026, ended 2026-09-30, was approximately 30.0 billion dollars, up 6.7% from the same quarter a year earlier, compared with 28.1 billion dollars in quarter 3 of fiscal year 2025. Net income was 6.9 billion dollars, compared with 8.5 billion dollars in the same quarter of the previous fiscal year, and diluted earnings per share were 0.91 dollars, compared with 1.06 dollars. The operating margin calculated by EL7 was 30.7% in quarter 3 of fiscal year 2026; net revenue growth therefore did not translate into growth in reported profit during a period that included a regulatory settlement.
Within the business mix in quarter 3 of fiscal year 2026, ended 2026-09-30, consumer banking, wealth management, and commercial lending supported activity, while trading and investment banking declined. Net interest income on a tax-equivalent basis reached 16.6 billion dollars, up 8% from the same quarter a year earlier, and asset management fees rose 17% on the same basis. The wealth businesses attracted approximately 41 billion dollars in inflows during the quarter, but weakness in fixed income activities, including credit, mortgages, and municipal bonds, limited the impact of this diversification on results.
Q3 FY2026
When: 2027-01-15
Net interest income growth in quarter 4 of fiscal year 2026 above 16.6 billion dollars on a tax-equivalent basis, in the expected earnings announcement
The net charge-off ratio at the 44 basis point threshold in quarter 4 of fiscal year 2026, in the expected earnings announcement
When: Fiscal year 2027
The median analyst target is 65 dollars, within a range of 60 dollars to 75 dollars in the 2026-10-19 snapshot. It is a low-confidence indicative estimate of growth expectations based on two analysts, with this method tending toward optimism. The industry-multiple valuation is 63 dollars, within a range of 54 dollars to 71 dollars, based on a median price-to-book multiple of 1.6 across 16 companies. It measures the bank's value when its book equity is priced similarly to its peers. The two central values are close and their ranges overlap, but analyst targets incorporate growth expectations, while the industry multiple ties the estimate to the book equity base and comparable-company pricing. The cuts by RBC Capital, Keefe, Bruyette & Woods, and Morgan Stanley on 2026-10-15 add caution to the interpretation of expectations, without making either method a single definitive valuation.
Figures in the text are as of 2026-10-20; the live price is shown at the top of the page.
Net revenue in quarter 3 of fiscal year 2026, ended 2026-09-30, was approximately 30.0 billion dollars, up 6.7% from the same quarter a year earlier, while net income fell to 6.9 billion dollars from 8.5 billion dollars in quarter 3 of fiscal year 2025. The quarter's results included a regulatory settlement related to anti-money laundering, while trading and investment banking also declined. Diluted earnings per share were 0.91 dollars versus 1.06 dollars in the same quarter of the previous fiscal year, despite a reduction in diluted shares.
Net interest income on a tax-equivalent basis reached 16.6 billion dollars in quarter 3 of fiscal year 2026, ended 2026-09-30, up 8% from the same quarter a year earlier. On the 2026-10-14 call, management linked continued growth to increases in loans and deposits and the repricing of fixed-rate assets, and guided to growth of 8% or more for fiscal year 2027. This expectation includes an assumption of interest rate increases of 25 basis points in each of December 2026, March 2027, and June 2027, so the interest rate path remains a factor affecting its achievement.
Automated analysis for informational purposes only — not investment advice.
Net interest income growth for fiscal year 2027 at the guidance threshold of 8%
Indicators for quarter 3 of fiscal year 2026, ended 2026-09-30, showed improvement, with a net charge-off ratio of 44 basis points and a card loss rate of 3.22%, with the latter improving from the previous quarter. Nonperforming loans declined from the previous quarter, and on the 2026-10-14 call, management pointed to broad improvement in commercial credit, including office real estate. However, management also explained that commercial credit losses were already at a low level, limiting the scope for further improvement and providing no guarantee that the trend will continue in fiscal year 2027.
A news report dated 2026-10-16 covered a fine exceeding 1.2 billion dollars and Bank of America's admission of a willful violation of the Bank Secrecy Act. On the 2026-10-14 call, management said ongoing remediation costs were included in the expense base and that the agreed requirements were now clear. Implementing those requirements remains important, while the OCC report published on 2026-10-16 concerning allegations of restricting customer services for political or religious reasons represents a separate regulatory matter.
The median analyst target was 65 dollars within a range of 60 dollars to 75 dollars in the 2026-10-19 snapshot, a low-confidence indicative estimate based on two analysts. By comparison, the industry-multiple valuation was 63 dollars within a range of 54 dollars to 71 dollars, using a median price-to-book multiple of 1.6 across 16 companies. The proximity of the two estimates reflects alignment between analyst expectations and pricing the book equity base similarly to peers, while each method measures something different and analyst targets tend toward optimism.