BAC Stock: Bank of America Corporation — Profile, Analysis & Investor Guide (2026)
Bank of America is a leading global financial institution serving individual consumers, small and middle-market businesses, and large corporations — Updated June 2026 with current price, P/E ratio, analyst ratings, financials, and investor insights.
Bank of America Corporation (BAC) stands as one of the “Big Four” banking institutions in the United States, commanding a massive share of domestic deposits and consumer lending. As a cornerstone of the financial sector, its performance is often viewed as a bellwether for the broader economy, closely tracking major industry benchmarks like the ★ XLF Stock Profile. With over $174 billion in annual revenue, the company leverages its scale to invest heavily in digital transformation, maintaining a leading position in mobile banking and financial technology.
As of June 2026, investors are focused on the bank’s ability to maintain net interest margins in a shifting interest rate environment. While larger than most firms found in the ★ KRE Stock Profile, Bank of America shares many of the same macroeconomic sensitivities as its regional counterparts. For those looking at the Complete List Of Finance Companies Listed On U S Exchanges, BAC remains a primary choice for institutional portfolios due to its diversified revenue streams and commitment to capital returns through dividends and buybacks.
Key Takeaways — BAC Stock
The bank operates four primary segments: Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets.
BAC is a leader in digital banking with over 45 million active digital users and the widely adopted AI assistant, Erica.
Maintains a strong Tier 1 capital ratio, allowing for consistent dividend payments and multi-billion dollar share repurchase programs.
As a traditional lender with a huge deposit base, the bank’s profitability is highly sensitive to changes in the Federal Funds Rate.
BAC Stock Health Score
Scores out of 10 based on current fundamentals, valuation, momentum and income data.
BAC — Live Stock Chart
Real-time price chart powered by TradingView.
BAC — Key Statistics & Valuation
Core financial data as of June 2026.
| Valuation | Value | Financials | Value |
|---|---|---|---|
| Market Cap | $387.01B | Revenue (TTM) | $174.85B |
| P/E Ratio (TTM) | 13.50 | Net Income | $31.70 billion |
| Forward P/E | 11.37 | EPS (TTM) | $4.04 |
| Price/Sales | 2.21 | Gross Margin | 15.93% |
| Price/Book | 1.55 | Net Margin | 15.93% |
| PEG Ratio | 1.85 | ROE | 11.49% |
| Beta | 1.18 | Debt/Equity | 0.95 |
| 52-Week High | $57.55 | 52-Week Low | $43.66 |
| Avg Daily Volume | 37.44 million | YTD Return | 0.04% |
| 1-Year Return | 23.78% | 5-Year Return | 6.97% |
| Dividend Yield | 2.06% | Payout Ratio | 27.5% |
| Analyst Rating | Buy | Price Target | $61.32 |
| Sector | Financials | Industry | Banks Diversified |
| CEO | Brian T. Moynihan | Employees | 213,000 |
| Founded | 1998 | Headquarters | Charlotte, North Carolina, US |
BAC — Business Overview
Broad financial services including retail banking, commercial lending, investment banking through BofA Securities, and wealth management via Merrill.
Revenue is split between net interest income (interest on loans minus interest on deposits) and non-interest income (fees, commissions, and trading).
One of the world’s most recognizable brands with a “sticky” low-cost deposit base and a massive scale that allows for superior technology spending.
Ongoing digital adoption reducing branch overhead and expansion of market share in the lucrative middle-market lending space.
BAC — Financial Performance Snapshot
| 📈 Growth | Value | 📊 Profitability | Value | 🎯 Valuation | Value |
|---|---|---|---|---|---|
| Revenue Growth YoY | 5.2% | Gross Margin | 15.93% | P/E Ratio | 13.50 |
| EPS Growth YoY | 8.4% | Net Margin | 15.93% | Forward P/E | 11.37 |
| 5Y Revenue CAGR | 4.1% | ROE | 11.49% | PEG Ratio | 1.85 |
| Free Cash Flow | $28.5B | Operating Margin | 18.2% | Price/Sales | 2.21 |
BAC — Analyst Ratings & Price Target
Based on 28 analysts covering BAC as of June 2026.
High: $68.00 | Low: $52.00 | Upside from current: 11.05%
19 Buy | 7 Hold | 2 Sell ratings from covering analysts.
Analysts at multiple firms recently reiterated Buy ratings, highlighting strong credit quality and effective expense management.
BAC Technical Analysis
Real-time buy/sell signals from TradingView.
BAC — Pros & Cons
✓ Strong Capital Position
High capital ratios provide a significant cushion against economic downturns and support consistent dividends.
✗ Rate Sensitivity
Rapidly declining interest rates can compress net interest margins, directly hurting the bank’s bottom line.
✓ Diversified Revenue
Revenue is spread across consumer, commercial, and investment banking, reducing reliance on any single market.
✗ Regulatory Oversight
As a G-SIB (Globally Systemically Important Bank), BAC faces intense regulatory scrutiny and strict compliance costs.
✓ Digital Leadership
Industry-leading digital platforms drive higher customer engagement and lower transaction costs per user.
✗ Macro Cyclicality
Banking profits are tied to the health of the US consumer; a major recession would increase loan loss provisions.
Who Should Consider BAC?
Value and income-oriented investors seeking a blue-chip financial cornerstone with a reliable dividend and moderate growth potential.
Aggressive growth investors or those who believe the US banking sector is over-regulated or entering a long-term decline.
3 to 5+ years. Bank stocks typically move in cycles tied to the broader economic and interest rate environment.
Suitable for both taxable and IRA accounts, though IRAs are ideal for reinvesting the quarterly dividend tax-free.
BAC vs Competitors
| Company | Ticker | Market Cap | P/E | Rev Growth | Net Margin | Dividend | 1Y Return |
|---|---|---|---|---|---|---|---|
| Bank of America ★ | BAC | $387.01B | 13.50 | 5.2% | 15.93% | 2.06% | 23.78% |
| JPMorgan Chase & Co. | JPM | $615.4B | 12.10 | 6.1% | 33.8% | 2.15% | 25.40% |
| Wells Fargo & Co. | WFC | $212.8B | 11.50 | 4.8% | 21.5% | 2.45% | 21.20% |
| Citigroup Inc. | C | $118.6B | 9.80 | 3.5% | 12.2% | 3.85% | 18.90% |
BAC — Key Risks
Interest Rate Fluctuations
A low-interest-rate environment for an extended period can severely limit net interest income growth.
Credit Risk
In an economic downturn, a spike in defaults on credit cards, mortgages, or commercial loans would hurt earnings.
Technological Disruption
Fintech startups and “neobanks” continue to pressure traditional banking fees and customer acquisition costs.
Market Volatility
The Global Markets segment is sensitive to trading volumes and asset prices, leading to quarterly earnings variability.