Hey there, fellow investor! Are you looking at Bank of America Corporation (BAC) and wondering if it’s a smart move for your portfolio right now? It’s a massive player, boasting a $388.72 billion market capitalization in the Banks – Diversified industry, and understanding its true value and growth potential is key. Today, we’re going to break down BAC’s performance, its current valuation, and what the experts are saying, so you can make an informed decision.
As of late November 2025, BAC is trading at $52.48. The stock has shown some positive momentum lately, holding strong above its 50-day and 200-day moving averages. Analysts, on average, are quite optimistic, eyeing a 1-year price target of $58.90, which suggests a potential upside of around 12.2%. However, it’s worth noting the 15.6% annualized volatility, which means we could see some noticeable price swings.
Bank of America’s fundamental story is quite interesting. They’re enjoying robust revenue growth, up 12.60% year-over-year, which is a great sign. But like any giant in its sector, it faces fierce competition and needs to manage its substantial debt of $763.98 billion, especially in the current interest rate environment.
What’s Inside This Comprehensive Analysis of BAC Stock?
We’re going beyond just the numbers. This analysis aims to give you a clear, actionable picture of BAC:
- Is now the right time to buy BAC? Technically, things look neutral, with the Relative Strength Index (RSI) at 40.7. Fundamentally, you might want to proceed with caution due to debt levels and growth metrics, but there are definite strengths.
- Can BAC’s core operations drive future growth? Its success will largely depend on how well its diversified banking segments perform and its ability to navigate competitive pressures.
- What are the biggest risks for BAC investors? The significant debt load of $763.98 billion could be a challenge if interest rates rise further. Plus, the banking sector is always intensely competitive, with both established giants and nimble fintechs vying for market share.
Forget the overly complicated jargon or the simplistic “just buy it” advice. We’re here to give you straightforward insights that matter, whether you’re building a long-term portfolio or looking for short-term opportunities. Let’s dig into the data and see if Bank of America Corporation is the right fit for your investment strategy. You can always check the latest BAC stock details on Yahoo Finance.
Key Metrics and Forecast Summary for BAC Stock
Let’s quickly recap the most important numbers for Bank of America Corporation right now:
| Metric | Value | Commentary |
|---|---|---|
| Current Price | $52.48 | Live Market Price (as of late November 2025) |
| 1-Month Forecast | $52.48 | -0.0% (Neutral) |
| 1-Year Forecast | $60.47 | +15.2% (Potential Upside) |
| Analyst Mean Target | $58.90 | +12.2% (Consensus Outlook) |
| Trend | Bullish | Price > SMA 50/200, showing momentum |
| RSI (14-day) | 40.7 | Neutral (Neither overbought nor oversold) |
| MACD | Neutral Trend (-0.09) | Suggests potential minor pullbacks |
| Above SMA 50 | ✅ $51.94 | Immediate support level |
| Above SMA 200 | ✅ $48.39 | Strong long-term support |
| 52-Week Range | $33.07 – $54.69 | Current price near the higher end |
| Volatility (30d Ann.) | 15.6% | Moderate price swings expected |
| Beta (vs. Market) | 1.30x | High sensitivity to market movements |
| Green Days (30d) | 19/30 (63%) | More up days recently |
| Institutional Ownership | 70.06% | Strong backing from large investors |
| Short % of Float | 1.56% | Low bearish bets |
Right now, BAC’s stock is trading at $52.48, and the technical picture is showing a generally bullish pattern. Why? Because the price is comfortably holding above both its 50-day (at $51.94) and 200-day (at $48.39) moving averages. This usually signals that the stock has been gaining momentum and is in an upward trend.
However, a closer look reveals a nuanced story. The Relative Strength Index (RSI) is sitting at 40.7, which is a neutral reading – it’s neither signaling that the stock is overbought nor oversold. Meanwhile, the MACD indicator points to a neutral trend, suggesting that while the overall direction might be up, there could be some minor pullbacks or consolidation before BAC potentially makes its next significant move.
Over the past year, BAC’s stock has seen quite a range, trading between $33.07 and $54.69. This tells us two key things: first, the stock has made a substantial recovery from its yearly lows, which is a good sign for its resilience. Second, its current price is nearing the higher end of this range, implying that major upward swings might be less likely without fresh, significant catalysts.
Looking ahead, analysts anticipate modest growth. The 1-year target of $60.47 (+15.2%) and a consensus average target of $58.90 (+12.2%) indicate a generally positive outlook. What’s more, with a substantial 70.06% institutional ownership and very low short interest at just 1.56% of the float, most major investors are betting on Bank of America’s long-term success rather than a decline.
Detailed Forecast Table for BAC Stock (2025-2026)
Let’s dive into the specifics of BAC’s projected price movements over the next year, according to our forecast model. The overall price range is anticipated to fluctuate between approximately $49.45 and $73.18 over the forecast horizon from November 2025 to November 2026. What’s interesting is that the forecast uncertainty seems to remain relatively steady, with the projected price range showing minimal shifts over this period.
| Month (Period) | Min. Price | Avg. Price | Max. Price | Potential ROI vs Current ($52.48) | Model Signal |
|---|---|---|---|---|---|
| 2025-11 | $52.48 | $52.48 | $52.48 | -0.0% | Hold/Neutral |
| 2025-12 | $49.45 | $52.79 | $57.19 | 0.6% | Hold/Neutral |
| 2026-01 | $51.78 | $54.44 | $57.50 | 3.7% | Consider Buy |
| 2026-02 | $53.12 | $56.40 | $59.32 | 7.5% | Consider Buy |
| 2026-03 | $50.74 | $56.06 | $60.94 | 6.8% | Consider Buy |
| 2026-04 | $50.73 | $54.72 | $58.96 | 4.3% | Consider Buy |
| 2026-05 | $49.96 | $54.45 | $60.10 | 3.8% | Consider Buy |
| 2026-06 | $51.81 | $55.95 | $61.31 | 6.6% | Consider Buy |
| 2026-07 | $52.41 | $56.99 | $63.00 | 8.6% | Consider Buy |
| 2026-08 | $52.66 | $58.07 | $63.89 | 10.7% | Consider Buy |
| 2026-09 | $54.28 | $59.28 | $65.36 | 13.0% | Consider Buy |
| 2026-10 | $54.64 | $60.47 | $67.90 | 15.2% | Consider Buy |
| 2026-11 | $55.80 | $63.16 | $73.18 | 20.3% | Consider Buy |
It’s crucial to remember that these forecasts are the product of sophisticated models and carry inherent uncertainty. Market conditions can shift rapidly, and new data can alter projections. Future prices are never guaranteed, so use these insights as a guide, not a definitive prediction.
Bank of America Corporation (BAC) Company Profile
Before diving deeper into the numbers, it’s always good to understand the company you’re investing in. Bank of America Corporation is a financial powerhouse that provides a vast array of financial products and services. They cater to everyone from individual consumers and small businesses to institutional investors, large corporations, and even governments worldwide.
| Metric | Value |
|---|---|
| Industry | Banks – Diversified |
| Market Cap | 388.72 B |
| Employees | 213,000 |
| Website | bankofamerica.com |
Company Description: What BAC Does
Bank of America operates through four main segments, each serving distinct client needs:
- Consumer Banking: This segment is all about individual customers, offering traditional and money market savings accounts, checking accounts, CDs, IRAs, and investment products. They also provide credit and debit cards, residential mortgages, home equity loans, and various direct and indirect consumer loans like automotive and recreational vehicle financing.
- Global Wealth & Investment Management (GWIM): Here, BAC provides comprehensive services for wealthier clients, including investment management, brokerage services, banking, trust and retirement products, and tailored wealth management solutions, including specialty asset management.
- Global Banking: This segment serves businesses and governments. It offers a wide range of lending products, from commercial loans and leases to trade finance and real estate lending. They also provide treasury solutions, working capital management, debt and equity underwriting, advisory services for mergers, and fixed-income and equity research.
- Global Markets: This segment focuses on capital markets activities. It provides market-making, financing, securities clearing, settlement, and custody services. They also deal in various securities and derivative products, offering risk management solutions using interest rate, equity, credit, currency, commodity derivatives, foreign exchange, and fixed-income products.
Founded in 1784, Bank of America Corporation has a long history and is headquartered in Charlotte, North Carolina.
BAC’s Total Valuation Snapshot
When evaluating a company, looking beyond just the market cap gives us a clearer picture. Bank of America Corporation, with its impressive market capitalization of $388.72 billion, also boasts an enterprise value (EV) of $377.58 billion. The fact that its EV is lower than its market cap highlights a strong net cash position, estimated at around $11.14 billion. This financial strength isn’t just a number; it provides BAC with a significant cushion and flexibility for future strategic investments and navigating economic shifts.
The upcoming earnings report, scheduled for January 14, 2026, will be a critical event. It will show how well Bank of America’s diverse businesses are growing and if they can justify this robust valuation. Additionally, the December 5, 2025 ex-dividend date serves as a reminder that BAC continues to reward its shareholders, even as it focuses on long-term growth initiatives. Essentially, when you invest in BAC, you’re paying for a company with a strong foundation and a commitment to both growth and shareholder returns.
| Metric | Value |
|---|---|
| Market Cap | 388.72 B |
| Enterprise Value | 377.58 B |
| EV/Revenue (TTM) | 3.92x |
| Next Earnings Date | 2026-01-14 |
| Ex-Dividend Date | 2025-12-05 |
BAC Share Statistics: Ownership and Short Interest
Understanding who owns a company’s shares and how many are being bet against it can offer valuable insights into market sentiment and potential price movements. Bank of America has approximately 7 billion shares outstanding, with nearly all of them available as public float. This high float means investors can typically trade BAC shares without causing drastic price shifts, which is good for liquidity. However, it’s also a reminder that the company could issue more shares, potentially diluting the value of existing stock.
| Metric | Value |
|---|---|
| Shares Outstanding | 7 B |
| Implied Shares Outstanding | 7 B |
| Shares Float | 7 B |
| Insider Ownership | 7.89% |
| Institutional Ownership | 70.06% |
| Shares Short | 114 M |
| Short Ratio (Days To Cover) | 3.00x |
| Short % of Float | 1.56% |
| Shares Short (Prior Month) | 107 M |
| Short Date | 2025-11-14 |
What’s really interesting is that executives and major shareholders hold a significant stake of 7.89%. This high insider ownership often aligns management’s interests directly with those of common shareholders, which is a positive sign. Furthermore, a substantial 70.06% of the company is owned by institutions. This level of institutional backing adds a layer of stability and confidence to the stock, as these are typically long-term, well-researched investments.
Now, let’s look at short interest. Currently, there are 114 million shares shorted, representing a modest 1.56% of the float. This low percentage suggests that bearish sentiment against BAC isn’t particularly strong among investors. While a sharp increase in short interest could signal growing doubt, the current low level, especially during positive news, often reduces the likelihood of a dramatic “short squeeze.” For more details on BAC’s public filings, you can check the SEC Edgar database.
BAC Valuation Metrics: Is the Stock Fairly Priced?
When we consider Bank of America’s valuation, several key metrics paint a picture that could be attractive to investors. With a Trailing P/E (price-to-earnings) ratio of 14.34x and an identical Forward P/E ratio of 14.34x, BAC seems to suggest a stable earnings outlook and a potentially reasonable valuation. These figures indicate how much investors are willing to pay for each dollar of the company’s past and expected future earnings.
| Metric | Value |
|---|---|
| Trailing P/E | 14.34x |
| Forward P/E | 14.34x |
| Price/Sales (TTM) | $3.83 |
| Price/Book (MRQ) | $1.38 |
| EV/Revenue (TTM) | 3.92x |
Beyond earnings, the Price/Sales ratio (TTM) stands at $3.83, and the Price/Book ratio (MRQ) is $1.38. These multiples offer different perspectives on market positioning. Price/Sales tells us how much investors are paying for each dollar of revenue, while Price/Book compares the stock price to the company’s book value per share.
From an enterprise value standpoint, the EV/Revenue ratio (TTM) of 3.92x suggests a reasonable valuation when considering the entire enterprise’s value relative to its revenue. Collectively, these metrics provide a comprehensive look at how the market is currently valuing Bank of America, hinting at an opportunity that warrants attention.
BAC’s Financial Health Checkup
Diving into Bank of America’s financial health reveals a mix of strengths and areas to watch. The company demonstrates highly efficient use of its capital, reflected in a Return on Equity (ROE TTM) of 9.87% and a Return on Assets (ROA TTM) of 0.88%. These figures suggest that BAC is generating solid returns from its shareholder equity and its overall asset base, often a characteristic of well-managed, growth-oriented firms.
| Metric | Value |
|---|---|
| Return on Equity (ROE TTM) | 9.87% |
| Return on Assets (ROA TTM) | 0.88% |
| Total Cash (MRQ) | 775.12 B |
| Total Debt (MRQ) | 763.98 B |
| Operating Cash Flow (TTM) | 61.47 B |
Despite carrying a substantial $763.98 billion in total debt, the company’s ability to generate $61.47 billion in operating cash flow (TTM) is a significant strength. This consistent cash generation from its core business operations indicates underlying financial robustness and the capacity to service its obligations, even amidst a high-interest-rate environment. BAC’s impressive $775.12 billion in total cash (MRQ) also provides a strong liquidity position, offering flexibility for strategic maneuvers and mitigating short-term financial pressures.
Financial Efficiency: How Well Does BAC Operate?
When we look at how efficiently Bank of America manages its operations, there are a few points for investors to consider. The Asset Turnover (TTM) of 0.03x suggests that BAC generates $0.03 in revenue for every dollar of assets it holds. While this might seem low compared to other industries, it’s not uncommon for banks, which are asset-heavy businesses. However, it does indicate that there could be room for improvement in how effectively they utilize their assets to generate revenue.
| Metric | Value |
|---|---|
| Asset Turnover (TTM) | 0.03x |
| Receivables Turnover (TTM) | 1.23x |
| Days Sales Outstanding | 296.7 |
| Return on Invested Capital (ROIC TTM) | 4.72% |
The Receivables Turnover (TTM) at 1.23x and the 296.7 Days Sales Outstanding (DSO) figures suggest that BAC’s collection process for its receivables might be on the slower side. For a financial institution, managing these cycles efficiently is paramount, and these metrics could point to an area where attention might be beneficial to speed up cash conversion.
Finally, Bank of America’s Return on Invested Capital (ROIC TTM) stands at 4.72%. This metric measures how effectively the company generates returns from the capital it has invested. A lower ROIC can indicate that the capital deployed isn’t generating optimal returns, again suggesting potential for improved efficiency. Investors should definitely compare these figures against BAC’s industry peers to get a complete picture of its competitive standing and operational effectiveness.
BAC’s Profitability and Growth Engines
Analyzing Bank of America’s margin performance reveals a company with a strong grip on its cost structure and pricing power. The operating margin (TTM) of 35.29% is quite robust, indicating that BAC is highly profitable from its core business activities, before accounting for non-operating expenses. This is a crucial sign of operational efficiency.
| Metric | Value |
|---|---|
| Profit Margin (TTM) | 29.22% |
| Operating Margin (TTM) | 35.29% |
| Gross Margin (TTM) | 0.00% |
| EBITDA Margin (TTM) | 0.00% |
| Revenue (TTM) | 101.45 B |
| Quarterly Revenue Growth (YoY) | 12.60% |
| Gross Profit (TTM) | 101.45 B |
| Net Income (TTM) | 28.25 B |
| Earnings Growth (YoY) | 31.50% |
It’s worth noting that for a diversified bank, traditional “Gross Margin” and “EBITDA Margin” metrics (both reported as 0.00% here) are often not directly applicable or meaningful in the same way they are for manufacturing or retail companies that have a clear Cost of Goods Sold. For financial institutions, the focus is more on net interest margin and overall operating efficiency.
Despite these specific margin figures, BAC manages to hold onto approximately 29.22% in net profit for every dollar of revenue over the last twelve months, which is a solid Profit Margin (TTM). The business is also expanding at an aggressive rate, with Quarterly Revenue Growth (YoY) at 12.60% and Earnings Growth (YoY) at an impressive 31.50%. Investors will want to ensure this rapid pace can be sustained without eroding those healthy profit margins.
With $101.45 billion in revenue (TTM) and a Gross Profit (TTM) also at $101.45 billion, alongside $28.25 billion in Net Income (TTM), BAC clearly demonstrates significant earning power and its ability to convert that into bottom-line results. The company seems to be striking a good balance between pursuing growth and maintaining strong profitability. Moving forward, defending its pricing power and controlling operating costs will be vital, especially if revenue growth eventually moderates.
Dividends and Shareholder Returns for BAC Investors
For income-focused investors, Bank of America’s dividend profile is an important consideration. The company currently offers a $1.12 annual dividend per share, which translates to a dividend yield of 2.13% based on the current stock price. This means that for every $100 you invest in BAC, you’d receive approximately $1.12 in dividends annually. Interestingly, this current yield is slightly below its 5-year average of 2.35%, which could suggest that the stock price has risen, or dividend growth hasn’t quite kept pace with historical trends.
| Metric | Value |
|---|---|
| Dividend Rate | $1.12 |
| Dividend Yield | 2.13% |
| Payout Ratio | 28.96% |
| 5 Year Average Dividend Yield | 2.35% |
| Trailing Dividend Rate | $1.06 |
| Trailing Dividend Yield | 0.02% |
| Ex-Dividend Date | 2025-12-05 |
| Last Split Date | 2004-08-30 |
| Last Split Factor | 2:1 |
Key Observations & Analysis:
- The payout ratio of 28.96% is quite conservative. This means BAC is using less than 30% of its earnings to fund its dividends, leaving substantial room for future dividend increases or reinvestment back into the business for growth.
- The very low trailing dividend yield of 0.02% might indicate a recent dividend initiation or a specific non-recurring payout in the past, so it’s always wise to verify the consistency of dividend payments.
- To receive the next dividend, investors must own the stock before the upcoming ex-dividend date of December 5, 2025.
- The last stock split (2:1 in 2004) is quite old and likely has little bearing on the current valuation or investment thesis.
Investor Takeaway:
- Income Investors: While the yield is modest, the low payout ratio signals that the dividend is safe and sustainable. The primary appeal here might be the potential for future dividend growth rather than a high immediate yield.
- Growth Investors: The conservative payout ratio is a strong indicator that a significant portion of earnings is being reinvested into the company, which could fuel future price appreciation.
Watch For: Any announcements of dividend hikes, which could push the yield closer to its historical average, or significant stock price movements that would inherently alter the yield.
Technical Analysis of BAC Stock
CURRENT PRICE: $52.48 | TREND: BULLISH BUT SHOWS SIGNS OF SLOWING
Bank of America’s stock has recently experienced a slight dip, losing -1.76% over the last 15 days. This recent downward pressure makes it crucial to examine the technical indicators closely. Is this a healthy pullback offering a buying opportunity, or a warning sign of further declines? Let’s break down the key technical levels and signals.
Trend Strength – Still Bullish
BAC is currently trading above its key moving averages, which is a positive sign for the overarching trend. Specifically, the 20-day Simple Moving Average (SMA) at $52.50 is acting as immediate dynamic support. As long as the price stays above these averages, the bullish momentum appears intact.
What This Means for Traders? As long as BAC holds above the 20-day SMA ($52.50), the bullish momentum could persist. However, keep in mind that a rapid ascent can sometimes push a stock too far from its averages, increasing the likelihood of a pullback to retest those levels.
Momentum Check – Is Momentum Fading?
The Relative Strength Index (RSI) is currently at 40.7, placing it squarely in a neutral zone. This indicates a balanced momentum, suggesting neither overbought nor oversold conditions. However, the MACD histogram has turned negative, which hints that the upward momentum might be starting to wane.
Trading Strategy: This neutral RSI provides some flexibility for traders. It’s wise to watch for a decisive MACD crossover or a clear break of a key support or resistance level to get the next directional clue for BAC.
Bollinger Bands – Testing Key Levels
The stock is trading near the middle of its Bollinger Bands, with the 20-day SMA (which acts as the middle band) also at $52.50. The lower Bollinger Band is positioned at $50.77, offering the next potential level of support if the stock continues to decline.
Key Levels to Watch:
- Resistance: The recent high of $54.69 is a critical resistance level. A strong breakout above this with convincing volume could propel BAC higher.
- Support: The 20-day SMA at $52.50 is the immediate support. If this level breaks, expect a test of the lower Bollinger Band at $50.77.
Volume Trends – Checking for Conviction
Trading volume for BAC is currently hovering near its recent average. This provides neutral confirmation of the current price action, meaning there isn’t unusually high conviction (either bullish or bearish) accompanying the recent moves.
Support & Resistance – The Trading Plan
Here’s a simple trading plan based on the key levels:
- ✅ If BAC holds above $52.50: The bullish trend is likely to continue, with the next target at $54.69.
- ⚠️ If it breaks below $52.50: Expect a dip toward $50.77, where it might find some buying interest.
- 🛑 A drop below $50.77: This could trigger a deeper correction, potentially heading towards the 200-day SMA at $48.39.
Final Verdict – Should You Buy, Hold, or Sell BAC?
- Short-Term Traders: The overall trend is positive, but signs of momentum exhaustion are appearing. A neutral stance might be best until a clearer signal emerges from MACD or a significant shift in volume.
- Long-Term Investors: The long-term uptrend remains valid as long as the price stays above the 200-day SMA ($48.39). A pullback to the 50-day SMA ($51.94) area could present a more attractive and safer buying opportunity.
- New Buyers: It might be wise to avoid chasing the current rally. Consider waiting for either a confirmed breakout above $54.69 with robust volume, or a pullback to the $52.50 area, which would offer a better risk/reward entry point.
Bottom Line:
While the long-term trend for BAC remains bullish, the technical indicators suggest that the current rally might be losing some steam in the short term. A period of consolidation or a minor correction seems plausible before the stock makes its next significant directional move. Trade carefully and wait for clear confirmations at key support and resistance levels.
BAC Historical Performance Overview
Looking back at the last 15 trading days, from November 11, 2025, to November 25, 2025, Bank of America (BAC) stock posted a return of -2.14%. During this period, the stock traded within a range of $50.70 to $54.69, indicating some moderate price fluctuations. The average daily trading volume during these 15 days was approximately 37,257,280 shares, showing consistent market interest.
Recent Trading Data for BAC
Here’s a snapshot of BAC’s daily trading activity over the most recent period:
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2025-11-25 | $52.25 | $52.88 | $51.86 | $52.48 | 41,308,900 |
| 2025-11-24 | $51.65 | $52.24 | $51.40 | $51.93 | 52,852,100 |
| 2025-11-23 | $51.29 | $51.78 | $50.70 | $51.56 | 43,867,200 |
| 2025-11-22 | $51.29 | $51.78 | $50.70 | $51.56 | 43,867,200 |
| 2025-11-21 | $51.29 | $51.78 | $50.70 | $51.56 | 43,867,200 |
| 2025-11-20 | $52.50 | $52.95 | $50.97 | $51.00 | 36,661,600 |
| 2025-11-19 | $51.67 | $52.49 | $51.67 | $52.02 | 28,112,300 |
| 2025-11-18 | $51.28 | $52.18 | $51.15 | $51.64 | 35,189,500 |
| 2025-11-17 | $52.58 | $52.58 | $51.39 | $51.48 | 35,546,800 |
| 2025-11-16 | $52.86 | $52.90 | $52.03 | $52.61 | 32,363,100 |
| 2025-11-15 | $52.86 | $52.90 | $52.03 | $52.61 | 32,363,100 |
| 2025-11-14 | $52.86 | $52.90 | $52.03 | $52.61 | 32,363,100 |
| 2025-11-13 | $53.79 | $54.21 | $52.77 | $52.87 | 37,716,100 |
| 2025-11-12 | $53.89 | $54.69 | $53.77 | $54.11 | 40,536,700 |
| 2025-11-11 | $53.75 | $53.98 | $53.28 | $53.63 | 22,244,300 |
BAC Stock Price Statistics & Volatility Insights
When examining Bank of America’s stock price over the past year, we see a wide range, with a 52-week high of $54.69 and a low of $33.07. This significant gap tells us the stock has experienced considerable fluctuations, likely driven by broader market sentiment or company-specific news. Currently, the 50-day moving average stands at $51.80, which is above the 200-day moving average of $46.34. This configuration, often referred to as a ‘golden cross,’ is typically considered a bullish signal, pointing towards positive long-term momentum.
| Metric | Value |
|---|---|
| 52 Week High | $54.69 |
| 52 Week Low | $33.07 |
| 50 Day MA | $51.80 |
| 200 Day MA | $46.34 |
| Beta | 1.30x |
| Volatility (30d Ann.) | 15.6% |
The stock carries a beta of 1.30x, meaning it tends to move more sharply than the broader market—about 30% more volatile, to be precise. Coupled with a relatively low 30-day annualized volatility of 15.6%, it suggests that while BAC generally amplifies market moves, its recent day-to-day fluctuations are not extreme. For investors, this implies potential for enhanced gains during bullish periods but also a higher downside risk when the market declines. These indicators are crucial for deciding position sizing and entry timing, especially if you’re managing a portfolio aiming for a balance between stability and growth exposure.
BAC Quarterly Earnings Performance Breakdown
Bank of America’s recent quarterly performance showcases consistent growth. In the latest reported quarter (2025-Q3), the company posted strong revenue of $28.09 billion and a net income of $8.47 billion.
What’s particularly encouraging is the quarter-over-quarter revenue change, which saw a healthy increase of +6.1%. Even more impressive, the year-over-year revenue growth stands at a robust +12.6%, demonstrating the company’s ability to expand its top line effectively.
Recent Quarterly Results (Last 4 Quarters)
Here’s a look at BAC’s performance over the past four quarters:
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025-Q3 | 28.09 B | 8.47 B | 1.06x |
| 2025-Q2 | 26.46 B | 7.12 B | 0.89x |
| 2025-Q1 | 27.37 B | 7.40 B | 0.90x |
| 2024-Q4 | 25.35 B | 6.67 B | 0.82x |
Key Growth Metrics
| Metric | Value |
|---|---|
| QoQ Revenue Growth | +6.1% |
| QoQ Net Income Growth | +19.0% |
| YoY Revenue Growth | +12.6% |
Upcoming Earnings Details
Investors should mark their calendars for these key dates:
| Event | Date/Time |
|---|---|
| Next Report | January 14, 2026 |
| Earnings Call | January 14, 2026 at 07:00 PM ET |
Short Selling Information for BAC Stock
Understanding the level of short interest in a stock can offer insights into how bearish investors feel about a company’s prospects. Currently, there’s 114 million shares of BAC stock held in short positions. The short ratio, or “days to cover,” stands at 3.0x. This metric indicates that, at BAC’s recent average trading volume, it would take approximately three days for all existing short positions to be covered. This moderate level suggests a balance between bearish bets and the market’s capacity to absorb them without causing extreme price volatility.
| Metric | Value |
|---|---|
| Shares Short | 114 M |
| Short Ratio (Days To Cover) | 3.00x |
| Short % of Float | 1.56% |
| Shares Short (Prior Month) | 107 M |
| Short Date | 2025-11-14 |
With only 1.56% of the public float sold short, a very low percentage of available shares are being bet against. This generally indicates a lack of significant bearish sentiment among investors. It’s worth noting that this level has slightly increased from 107 million shares in the prior month, which suggests a subtle shift in bearish sentiment, though still at a very low base. Because the overall level of shorting is low, the market tends to feel more confident in the stock, and the risks of sudden price swings due to short-covering activities are significantly reduced.
Risk Analysis for Bank of America (BAC)
Every investment comes with its own set of risks, and Bank of America (BAC) is no exception. Its risk profile indicates a moderate level of volatility, with an annualized volatility of 26.0%. This suggests that while the stock can experience notable price swings, it’s not in the extreme high-risk category.
| Metric | Value |
|---|---|
| Volatility (Annualized) | 26.0% |
| Value at Risk (5%) | -2.37% |
| Value at Risk (1%) | -4.56% |
| Sharpe Ratio | 0.41x |
| Sortino Ratio | 0.55x |
| Maximum Drawdown | -48.95% |
| Skewness | 0.30x |
| Kurtosis | 16.15x |
The Sharpe Ratio, which measures risk-adjusted returns, stands at 0.41x, suggesting mixed performance when accounting for the level of risk taken. What’s more striking is the maximum drawdown of -48.95%, which indicates that during adverse market conditions, BAC has seen significant downside risk in the past. This is a crucial figure for investors to consider regarding their own tolerance for potential losses.
The Value at Risk (VaR) at a 5% confidence level shows a potential loss of -2.37% in the worst 5% of scenarios. For a more extreme view, the VaR at 1% confidence level suggests a potential loss of -4.56%. Additionally, the Sortino Ratio of 0.55x provides further insight, focusing specifically on downside risk-adjusted performance. These metrics are vital tools that investors should weigh against their personal risk tolerance and overarching investment objectives before making any decisions regarding BAC.
Sentiment Analysis: What’s the Market Mood for BAC?
Current market sentiment surrounding Bank of America (BAC) is cautiously positive, reflected by a composite sentiment score of 0.27x and a confidence level of 41.4%. This overall positive outlook isn’t just a hunch; it’s derived from analyzing multiple data sources, including recent news coverage, professional analyst recommendations, and activity in the options market.
| Metric | Value |
|---|---|
| Composite Sentiment Score | 0.27x |
| Sentiment Classification | Positive |
| Sentiment Confidence | 41.4% |
| News Sentiment | Neutral (0.07x) |
| Analyst Sentiment | Positive (0.40x) |
| Options Sentiment | Positive (0.10x) |
| Put/Call Ratio | 0.45x |
Breaking down the sentiment components, we see that news analysis shows a Neutral sentiment (0.07x), meaning headlines haven’t been overwhelmingly positive or negative. However, the analyst consensus is clearly Positive (0.40x), indicating that professional financial experts are generally optimistic about BAC’s future. The options market also reflects a Positive sentiment (0.10x), with a Put/Call Ratio of 0.45x suggesting that calls (bets on price increases) are more prevalent than puts (bets on price decreases).
These sentiment indicators offer a valuable pulse of the market’s current feeling towards BAC. It’s always a good practice to consider these alongside your fundamental and technical analysis for a truly comprehensive investment perspective.
Peer Comparison: How BAC Stacks Up Against Rivals
In the competitive landscape of diversified banks, it’s insightful to see how Bank of America (BAC) measures up against its peers like JPMorgan Chase (JPM), Wells Fargo (WFC), and Citigroup (C). With a market capitalization of $388.72 billion, BAC is a formidable player, though it trails JPM ($833.18 billion) in size but stands ahead of WFC ($272.61 billion) and C ($186.24 billion).
| Metric | BAC | JPM | WFC | C |
|---|---|---|---|---|
| Market Cap | $388.72B | $833.18B | $272.61B | $186.24B |
| P/E Ratio | 14.34 | 15.01 | 14.02 | 14.21 |
| Revenue Growth | 12.60% | 8.80% | 7.50% | 11.60% |
| Net Margin | 29.22% | 34.70% | 26.63% | 19.49% |
| EPS | 3.66 | 20.18 | 6.07 | 7.12 |
| ROE | 9.87% | 16.44% | 11.52% | 7.00% |
| Dividend Yield | 2.13% | 1.98% | 2.12% | 2.37% |
| 52-Week Range | 32.69 – 54.69 | 200.22 – 322.25 | 57.46 – 88.64 | 54.39 – 104.96 |
When it comes to valuation, BAC’s P/E ratio of 14.34x is quite conservative, suggesting it might be priced as a value-oriented stock compared to JPM (15.01x), WFC (14.02x), and C (14.21x), which trade at similar multiples, often reflecting mature or slower-growth businesses.
In terms of growth, BAC shows a modest 12.60% revenue expansion, which is competitive within its peer group. BAC also demonstrates strong profitability with a robust 29.22% net margin, though JPM leads this metric at 34.70%, while WFC (26.63%) and C (19.49%) follow.
For shareholder returns, BAC’s 9.87% Return on Equity (ROE) indicates solid, though modest, returns on shareholder capital. JPM boasts a higher ROE at 16.44%, followed by WFC at 11.52% and C at 7.00%. Finally, BAC offers a competitive dividend yield of 2.13%, providing income to shareholders, in line with JPM (1.98%), WFC (2.12%), and C (2.37%). This peer comparison highlights BAC’s strong position in profitability and consistent revenue growth, while also showing areas where it might be outpaced by larger rivals in terms of sheer scale or capital efficiency.
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Insider Transactions for BAC (Last 3 Months)
Looking at insider transaction data for Bank of America over the past three months reveals a dynamic picture. We’ve seen 17 sell transactions versus 7 buy transactions, indicating a stronger bearish trend from insiders in terms of direct market activity. Additionally, there were 12 option exercises, which can be interpreted in several ways – either as insiders converting options to shares with confidence in future price appreciation or as part of routine portfolio management and compensation.
It’s important to note that price data was available for only 42% of these transactions, with estimates used where possible. This limitation restricts a detailed valuation analysis of these specific trades, but the overall share volume patterns remain informative. Much of the recent insider activity appears to be related to compensation, such as exercising stock options and then selling shares to cover taxes, rather than purely discretionary market moves. This mixed pattern is quite typical for established companies like Bank of America, where insiders balance personal financial planning with maintaining confidence in the company’s long-term fundamentals.
| Insider Name | Type | Shares Changed | Shares After | Transaction Date | Filing Date |
|---|---|---|---|---|---|
| Schimpf Eric A. | SELL (Exercise) | -1,234 | 1,235 | 2025-11-15 | 2025-11-18 |
| Schimpf Eric A. | SELL (Tax Payment) | -524 | 61,850 | 2025-11-15 | 2025-11-18 |
| Schimpf Eric A. | BUY (Exercise) | +1,234 | 62,374 | 2025-11-15 | 2025-11-18 |
| Hans Lindsay D. | SELL (Exercise) | -975 | 975 | 2025-11-15 | 2025-11-18 |
| Hans Lindsay D. | SELL (Tax Payment) | -471 | 39,621 | 2025-11-15 | 2025-11-18 |
| Hans Lindsay D. | BUY (Exercise) | +975 | 40,092 | 2025-11-15 | 2025-11-18 |
| MOYNIHAN BRIAN T | SELL (Exercise) | -17,891 | 53,675 | 2025-11-15 | 2025-11-18 |
| MOYNIHAN BRIAN T | SELL (Disposition) | -17,891 | 2,651,313 | 2025-11-15 | 2025-11-18 |
| MOYNIHAN BRIAN T | BUY (Exercise) | +17,891 | 2,669,204 | 2025-11-15 | 2025-11-18 |
| Athanasia Dean C | SELL (Gift) | -475 | 558,669 | 2025-11-13 | 2025-11-14 |
| Athanasia Dean C | SELL (Gift) | -475 | 559,144 | 2025-11-13 | 2025-11-14 |
| Athanasia Dean C | SELL (Gift) | -475 | 559,619 | 2025-11-13 | 2025-11-14 |
| Athanasia Dean C | SELL (Gift) | -13,250 | 560,094 | 2025-11-13 | 2025-11-14 |
| Bronstein Sheri B. | SELL (Gift) | -6,000 | 324,622 | 2025-10-22 | 2025-10-24 |
| MOYNIHAN BRIAN T | SELL (Exercise) | -17,892 | 71,566 | 2025-10-15 | 2025-10-17 |
| MOYNIHAN BRIAN T | SELL (Disposition) | -17,892 | 2,651,313 | 2025-10-15 | 2025-10-17 |
| MOYNIHAN BRIAN T | BUY (Exercise) | +17,892 | 2,669,205 | 2025-10-15 | 2025-10-17 |
| MOYNIHAN BRIAN T | SELL (Exercise) | -17,891 | 89,458 | 2025-09-15 | 2025-09-17 |
| MOYNIHAN BRIAN T | SELL (Disposition) | -17,891 | 2,651,313 | 2025-09-15 | 2025-09-17 |
| MOYNIHAN BRIAN T | BUY (Exercise) | +17,891 | 2,669,204 | 2025-09-15 | 2025-09-17 |
Key Risk Factors for BAC Investors
Before considering an investment in Bank of America (BAC), potential investors should be fully aware of the inherent risks. While this list highlights some key considerations based on available data and market dynamics, it’s not exhaustive, and other risks may exist.
- ⚠️ General Market Fluctuations: Like all stocks, BAC is susceptible to broader market movements. Economic downturns, geopolitical events, or shifts in investor sentiment can impact its stock price regardless of company-specific performance.
- ⚠️ Interest Rate Environment: As a diversified bank, BAC’s profitability is highly sensitive to interest rate changes. While rising rates can increase net interest income, sudden or prolonged shifts can also affect lending demand, deposit costs, and the value of fixed-income assets.
- ⚠️ Intense Competition: The financial services sector is fiercely competitive. BAC faces challenges from established mega-banks, regional banks, credit unions, and a growing number of fintech companies, which could pressure margins and market share.
- ⚠️ Regulatory Changes: Banks operate in a heavily regulated environment. New or stricter regulations, especially concerning capital requirements, consumer protection, or financial stability, could increase compliance costs and limit operational flexibility.
- ⚠️ Credit Risk: BAC is exposed to credit risk through its lending activities. An increase in loan defaults, particularly during economic slowdowns, could significantly impact its asset quality and profitability.
- ⚠️ Cybersecurity Threats: As a major financial institution, BAC is a prime target for cyberattacks. Data breaches or system failures could lead to significant financial losses, reputational damage, and regulatory penalties.
Analyst Insights and Consensus on BAC
What do the Wall Street professionals think about Bank of America (BAC)? This section summarizes the collective view of professional analysts covering the stock. The current consensus recommendation for BAC is a clear ‘Buy’. This positive sentiment is based on opinions gathered from 24 analysts who actively track the company.
| Metric | Value |
|---|---|
| Recommendation | Buy |
| Mean Target Price | $58.90 |
| High Target Price | $70.00 |
| Low Target Price | $51.00 |
| Number of Analyst Opinions | 24 |
The mean price target from these analysts is $58.90, with individual targets spanning a range from a low of $51.00 to a high of $70.00. Based on this mean target, it implies a potential upside of approximately 12.2% from BAC’s current price of $52.48. This consensus provides a valuable gauge of Wall Street’s sentiment regarding the stock’s potential performance over the next year. You can often find detailed analyst ratings and reports on platforms like MarketWatch.
Recent News and Developments Affecting BAC
Staying current with recent headlines related to Bank of America (BAC) can offer crucial insights into market sentiment and ongoing events that could influence the stock. Here’s a summary of some recent developments from late November 2025:
- The Savings Secret Big Banks Don’t Want You to Know
Publisher: Investopedia, Published: 2025-11-25T22:43:16Z
This article likely discusses strategies or products that might offer better returns for savers than traditional big bank offerings, potentially hinting at competitive pressures for BAC’s deposit base. - FDIC-Insured Banks’ Q3 Earnings Rise, Asset Quality Improves
Publisher: Zacks, Published: 2025-11-25T14:55:00Z
Positive news for the banking sector as a whole, suggesting a healthy operating environment that benefits major players like Bank of America. - Bank of America lists 5 tailwinds for U.S. economy in 2026
Publisher: Investing.com, Published: 2025-11-25T14:26:46Z
An optimistic outlook from BAC itself on the broader economic conditions, which could signal confidence in its own future performance. - Which Big Bank Stock is Set to Gain More From Rate Cuts: BAC or WFC?
Publisher: Zacks, Published: 2025-11-25T12:04:00Z
This piece highlights the ongoing debate about how major banks will fare under potential interest rate adjustments, a key factor for profitability. - Wealthy Americans Are Changing Their Charity Habits, And Leaving Gen Z and Millennials Out Of The Process
Publisher: Benzinga, Published: 2025-11-24T15:46:14Z
While not directly about BAC’s stock, this news could influence its Global Wealth & Investment Management segment, as changes in charitable giving among high-net-worth individuals could affect wealth management strategies.
Conclusion and Investment Outlook for BAC
Synthesizing all the data, Bank of America (BAC) presents an interesting investment case. We’re seeing strong bullish signals from the technical analysis, complemented by fundamentals that show moderate health and a valuation that appears potentially attractive.
Short-Term Technical Snapshot for BAC
| Metric | Outlook | Value/Commentary |
|---|---|---|
| Overall Technical Sentiment | ▲ Strong Bullish | Positive momentum |
| Price Trend vs MAs | ▲ Bullish | Above SMA50/200 |
| Momentum (RSI) | ● Neutral | RSI at 40.7 |
| Support / Resistance (30d) | 📊 ~$50.70 / ~$54.69 | Key levels to watch |
Longer-Term Fundamental & Forecast Outlook for BAC
| Metric | Outlook | Value/Commentary |
|---|---|---|
| 1-Year Avg. Forecast | ▲ ~+15.2% avg. change | Target near ≈$60.47 |
| Valuation Snapshot | ➕ Potentially Attractive | Fwd P/E: 14.34x |
| Recent Growth (YoY) | 📈 Positive | Revenue: 12.60%, Earnings: 31.50% |
| Analyst Consensus | ▲ Buy | Target: $58.90 |
Overall Assessment & Outlook
Combining these insights, BAC currently displays Strong Bullish technicals, suggesting favorable short-term price action, paired with moderate fundamental health. The current valuation, particularly its Forward P/E of 14.34x, appears potentially attractive, hinting at a reasonable entry point. Looking out over the next year, the forecast model implies a solid potential upside of +15.2%, with an average target price around $60.47.
Ultimately, your decision should carefully consider these points in relation to your personal risk tolerance and investment timeline. It’s a large, diversified bank with strong operational performance and positive analyst sentiment, but it also operates in a dynamic, competitive, and regulated environment.
Reminder:
Please remember, the information presented here is based on model data and publicly available information, intended solely for informational purposes. It is not, and should not be considered, investment advice. Market conditions are constantly changing, and past performance is not indicative of future results. Always conduct your own thorough independent research and consult with a qualified financial advisor before making any investment decisions.
Frequently Asked Questions About BAC Stock
What is the BAC stock price prediction for the next year (2025-2026)?
Based on current models, the average 1-year price forecast for BAC is approximately $60.47. This suggests a potential +15.2% change from the recent price of $52.48. Remember, this is a model-driven estimate and actual prices can fluctuate significantly due to numerous market factors.
Will BAC stock go up or down in the short term?
The 1-year forecast model generally suggests an increase, with a +15.2% potential on average. However, the short-term direction is highly uncertain and influenced by current market sentiment (which is currently classified as ‘Strong Bullish’), breaking news, and overall economic conditions. Technical indicators like the neutral RSI (40.7) suggest balanced momentum, offering clues for near-term movements.
Is BAC stock considered a good investment right now?
Determining if BAC is a ‘good buy’ depends on your individual investment strategy and risk tolerance. Technical sentiment is ‘Strong Bullish’, and the 1-year forecast suggests a +15.2% potential upside. Fundamentally, it shows good growth and profitability, but also carries significant debt. It’s crucial to align these factors with your personal financial goals. This report is for informational purposes; always consult a financial advisor before investing.
How volatile is BAC stock?
Based on recent 30-day price action, BAC’s annualized volatility is approximately 15.6%. This is considered a moderate level, indicating the degree of recent price fluctuation. Its Beta of 1.30x also suggests that BAC tends to be more volatile than the broader market, meaning larger potential price swings (both up and down) can occur.
What is BAC’s P/E ratio and what does it indicate?
BAC’s Trailing P/E ratio (based on past earnings) is 14.34x, and its Forward P/E (based on expected earnings) is also 14.34x. This is generally considered a relatively low P/E for a diversified bank, suggesting a potentially attractive valuation or stable growth expectations. A P/E ratio tells you how much investors are paying per dollar of earnings. It’s best compared to industry peers and historical levels to gauge its relative value.
What are the key upcoming events for BAC?
A key upcoming event for income investors is the ex-dividend date on December 5, 2025. Beyond this, investors should closely monitor the next earnings report scheduled for January 14, 2026, as well as broader macroeconomic shifts, competitive actions within the financial services sector, and any major corporate announcements from Bank of America.