Rankings Financial data & insurance broking Bank of America
Bank of America
90
15070100
A view of the same findings, not a new score. How it works
In the 70+ zone: a score above 70 with more than 20% upside to the median analyst target.
Biggest deductions
- P/TBV and P/E versus own history−8
- Interest rate risk in the bond portfolio−4
- Return level−3
Strengths
- Dividend and buybacks+3
- Raised guidance+1
How the score is built
From 100 to 90, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 49.57 USD
- Median analyst target
- 62.00 USD
- Upside to median
- +25.1%
- Analysts
- 25
- Target range
- 56.00 – 71.00 USD
- 52-week change
- −7%
- P/E (trailing)
- 11.8
- Forward P/E
- 9.9
- PEG
- 0.70
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 2 findings−5 of −30
- −3Return levelROE of 12.7% and ROTCE of 17.0% in Q2 2026 (TTM ROE 11.2%) versus JPMorgan's roughly 23% ROTCE; ROE was 9.2-11.8% in 2021-2025. A large, low-yielding bond portfolio from 2020-21 still drags on returns.
- −2Quality of growthEPS was flat from 2021 to 2024 (3.57 → 3.19 USD); the latest lift (+28% TTM) comes from repricing of fixed-rate assets, Global Markets and buybacks (share count −3.7%), not from a markedly stronger business.
Price
Today's multiples against the company's own history and its peers. · 2 findings−9 of −35
- −8P/TBV and P/E versus own historyP/B 1.38 (P/TBV 1.84 on tangible book value of USD 29.51) is the highest since 2006 and above the full 10-year range of 0.68-1.37 (2015-2025); P/TBV was 1.28-1.87 in 2021-2025. P/E 12.6 versus 10.2-13.8 and forward 11.2. The share price is +72% since the end of 2023, while TTM EPS has risen 42%; the re-rating has taken place.
- −1PeersP/TBV 1.84 and P/E 12.6 versus Wells Fargo 1.81/12.1 with slightly higher ROTCE (17.7%); in line with peers, but no discount.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 3 findings−7 of −35
- −4Interest rate risk in the bond portfolioThe bank subsidiary held 514.8bn USD in held-to-maturity securities and 83.3bn USD in total unrealised losses (Q1 2026), equal to approx. 40% of the group's tangible equity of 207bn USD. The sharp rate spike in Q3 (KBW bank index more than 13% below the August peak) increases the losses and ties up capital and liquidity.
- −2Capital markets revenueAt the Barclays conference, Moynihan guided Q3 investment banking fees to USD 1.6-1.8bn against analysts' about 2bn and said the trading business (especially fixed income) has cooled after a strong first half.
- −1
Plus
Only documented strengths. · 2 findings+4 of +15
- +1Raised guidanceNII +9% in Q2 to USD 16.0bn, and full-year NII growth is now guided to the upper end of 6-8%; positive operating leverage of 6.6%. Investment banking fees for Q3 were, however, guided below expectations (see T3), so only 1 point.
- +3Dividend and buybacksShare count -3.7% over a year, dividend +9%; total shareholder yield 6.1% (approx. 23bn USD) against net income of 32bn, so the distribution is below earnings.
Caveats
What the score does not capture, or where the data is weak.
Re-scored more strictly 11 Oct 2026 (P/TBV against own history). Q3 report 14 Oct 2026; the score predates the report (data as of 11 Oct 2026). Bank: EV, ROIC and FCF are not meaningful; valuation on P/TBV and P/E. P/TBV history only for 2021–2025 (stockanalysis); the 10-year history is P/B from companiesmarketcap. The unrealised loss figure is from the bank subsidiary as of Q1 2026, and the Barclays conference source is secondary. Credit quality was checked and is benign in Q2 2026 (net charge-offs 0.47% versus 0.55%, non-performing 5.9bn USD, criticised commercial real estate loans declining), so there is no credit deduction; but low credit losses mean earnings are close to the top of the cycle
Also in Financial data & insurance broking
The highest scores in the same industry.
