BAC · sample dossier
Bank of America Corporation
58/100
OutdatedGenerated Oct 10, 2026 · 10:00 AM UTC · 1 hour ago
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EquityBank of America CorporationXNYS
Decision context
HOLD
66% convictionScore 58 · Hold
A mixed picture — no strong reason to buy or sell right now.
The stock trades 13.4% below our estimate.
Current price
$54.32
Estimated value range
$48.89 – $63.38
Gap vs AlphaDog estimate
+13.4%
Narrow evidence — range rests on a single usable method.
The stock trades at a discount, but execution uncertainties suggest waiting for a clearer catalyst.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-13.2%
3 months
-8.7%
6 months
+3.4%
1 year
+9.0%
Financial trajectory
Executive summary & thesis
Bank of America Corporation is a diversified financial services banking institution with a market capitalization of $379.85B and a P/E ratio of 12.55.
- Latest quarter YoY EPS growth reached 36.0% for the period ended June 30, 2026, generating $9.1 billion in net income.
- TTM free cash flow per share of $7.76 provides solid cash backing at the current share price of $54.32.
- Valuation is favorable relative to peers, with a P/E of 12.55 compared to JPMorgan Chase at 14.3.
- Near-term price return is -13.2% over 1 month and -8.7% over 3 months.
- Asset profitability is narrow, with return on assets (ROA) recorded at 1.0%.
- Insiders recorded net sales of -$3.36M USD over 3 months, with zero shares transacted under 10b5-1 plans.
Things to keep in mind
- 1P/E 12.5xView source
- 2Near-term price return is -13.2% over 1 month and -8.7% over 3 months.View source
- 3Asset profitability is narrow, with return on assets (ROA) recorded at 1.0%.View source
What to watch next
Factor profile
Growth-led profile
| Factor | Score |
|---|---|
| Quality | 34 out of 100 (Weak). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 92 out of 100 (Elite). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 80 out of 100 (Strong). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 55 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 29 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the BAC story
The prevailing bull consensus rests on backward-looking Q2 2026 net income of $9.1 billion and 36.0% YoY EPS growth that is already 88 days old as of 2026-10-10.
Extrapolating this profitability ignores that top-line revenue growth is completely missing from the record, masking whether earnings were driven by unsustainable non-interest items rather than core banking expansion. Meanwhile, return on assets sits at a modest 1.0%, offering virtually no cushion against deteriorating credit quality or margin compression. The market has already begun rejecting the bull thesis, driving BAC down 13.2% over 1 month and breaking both its 50-day and 200-day moving averages. Believing that a P/E multiple of 12.55 represents a bargain ignores that Wells Fargo trades at a lower 11.9 P/E without BAC's severe momentum collapse.
Revenue growth data is completely absent from the analysis, leaving the consensus blind to whether the 36.0% EPS growth was driven by core top-line expansion or temporary credit provision reversals.
Balance sheet leverage metrics such as Debt-to-Equity and EV/EBITDA are entirely omitted, concealing structural wholesale funding risks on a $379.85B market cap institution.
Return on assets (ROA) is pinned at just 1.0%, leaving minimal operating spread if deposit betas increase or non-performing assets rise.
Extrapolating 36.0% YoY EPS growth without confirming net interest margin stability or loan book growth creates an unverified earnings trajectory.
Treating the trailing P/E of 12.55 as cheap relative to JPMorgan Chase at 14.3 overlooks that BAC trades at a premium to Wells Fargo at 11.9 despite severe technical breakdown.
Relying on TTM free cash flow per share of $7.76 misapplies non-financial cash flow metrics to a commercial banking model where regulatory capital and balance sheet liquidity dictate distributions.
Latest quarter YoY EPS growth falls below 36.0%.
Net margin falls below 29.5%.
Cash after investing
Cash-flow details are thin for BAC — check the Financials tab when you can.
- Latest quarter YoY EPS growth falls below 36.0%.
- Net margin falls below 29.5%.
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
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