| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 60 | 14.3x | 18.2x | Around median | |
Growth | 54 | 8.1% | 7.1% | Around median | |
Quality | 63 | — | — | Around median | |
Safety | 13 | — | — | Bottom tier | |
Capital Return | 75 | 1.78% | 2.10% | Top tier | |
Momentum | 92 | 24.5% | 2.9% | Top tier | |
Sentiment | 63 | 15 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, 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 under the ticker BAC on the New York Stock Exchange, operates through a diversified banking model that combines Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets. Income comes from net interest income on loans and securities after the cost of deposits and funding, and from asset management, brokerage, and investment banking fees, in addition to sales and trading revenue. In fiscal Q2 2026, average deposits were $2.02 trillion and average loans and leases were $1.2 trillion, while net interest income on a fully taxable-equivalent basis reached $16.2 billion, up 9% year over year.
In fiscal Q2 2026, revenue rose 15% year over year to $31.6 billion, net income increased 27% to $9.1 billion, and earnings per share climbed 34% to $1.21. The efficiency ratio improved to 59%, operating leverage was 6.6%, and return on average tangible common shareholders’ equity was 17%; the provided data does not include a gross profit margin for the bank. The latest EDGAR data for the twelve-month period within fiscal 2026 also showed revenue of $121.1 billion, net income of $33.7 billion, and earnings per share of approximately $4.61.
The business mix was broad-based in fiscal Q2 2026: Consumer Banking generated revenue of $11.3 billion and net income of $3.3 billion, and Global Wealth & Investment Management posted record revenue of $6.9 billion and net income of $1.4 billion, while Global Banking revenue was $6.2 billion and net income was more than $2 billion. In Global Markets, sales and trading revenue excluding the debt valuation adjustment reached $7.2 billion, including $3.6 billion from equities and $3.5 billion from fixed income, currencies, and commodities, and the segment’s net income excluding that adjustment was $2.7 billion.
Analyst consensus rates BAC stock a “Buy,” with an average price target of $66 and a wide range of $59 to $75; the average is only about 1.2% above the 52-week range high of $65.23, while the highest target exceeds that high by about 15%. The lowest target of $59 reveals meaningful caution compared with the highest target, while the 52-week range is between $46.12 and $65.23, and the provided data does not include a valid price-to-earnings multiple for an additional comparison.
Figures in the text are as of 2026-08-25; the live price is shown at the top of the page.
Bank of America’s revenue in fiscal Q2 2026 was approximately $31.6 billion, up 15% year over year. Net income rose 27% to $9.1 billion, and earnings per share increased 34% to $1.21. The efficiency ratio also improved to 59%, operating leverage was 6.6%, and return on average tangible common shareholders’ equity was 17%.
Management expects fiscal 2026 net interest income growth to be at the high end of the 6%–8% range, after raising the range from 5%–7% in January 2026 to 6%–8% in April 2026. Net interest income on a fully taxable-equivalent basis was $16.2 billion in fiscal Q2 2026, up 9% year over year, with a net interest yield of 2.08%. The outlook is based on modest loan and deposit growth in the second half, the repricing of fixed-rate assets, balance sheet optimization, and a forward curve that included a 25-basis-point rate increase in September 2026.
Global Wealth & Investment Management posted record revenue of $6.9 billion, up 16%, and net income of $1.4 billion, up 42%. Global Banking generated revenue of $6.2 billion, with investment banking fees rising 50% to more than $2.1 billion. Global Markets recorded $7.2 billion of sales and trading revenue excluding the debt valuation adjustment, including a record $3.6 billion in equities and $3.5 billion in fixed income, currencies, and commodities.
Automated analysis for informational purposes only — not investment advice.
The bank reported on its July 14, 2026 call that more than 200,000 employees were using AI-enabled capabilities, with more than 400,000 prompts per day. The bank had more than 300 approved use cases, including 114 live generative AI use cases and 34 fully deployed use cases. Applications include preparing relationship managers for client meetings, automating research and presentation materials for bankers, supporting programming, and improving workflows in operations, risk, finance, and technology.
On August 12, 2026, Bank of America signed a joint venture agreement with Jio Financial Services to invest in Jio Credit Limited, an Indian nonbank lender. The agreement includes an initial 26.5% stake, with the option to increase it to 49.9% through equity and warrants. The total investment is expected to be approximately $1.9 billion, or about 18,268 crore rupees, to provide the capital needed for Jio Credit’s growth in the Indian market.
The provision for credit losses and net charge-offs were each approximately $1.4 billion in fiscal Q2 2026 and remained largely unchanged from the previous quarter. Criticized commercial exposures declined by approximately $2.3 billion to about $22 billion, driven primarily by improvement in commercial real estate, while nonperforming loans remained stable at approximately $5.8 billion. However, the CEO warned on August 5, 2026 of leverage risks following the collapse of the Situational Awareness fund, for which Bank of America was one of the prime brokers.
