BAC

$54.94

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, -0.22% trendline growth.
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$131.56

With 20% Margin of Safety (MoS):

$105.25
91.57% upside
Capital Efficiency
Average Quarterly ROIC
6.47%
Cost of Capital (estimated)11%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
60
NeutralWeighted across 6 signals
DCF Discount
91.6% discount to price
100
FCF Yield
15.3% trailing FCF yield
100
ROIC vs WACC
ROIC 6.5% vs WACC 11.0% (0.6x)
29
Net Debt / FCF
Net cash position
100
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
0.0% 5Y FCF CAGR (adjusted)
0
Strengths: DCF Discount, FCF Yield. Concerns: ROIC vs WACC, FCF CAGR (5Y).
Narrative Score
79
Improving
Weighted across 6 recent drivers · Last 30 days+2 vs previousVs 6-Month Baseline: High (94th pct)
Trend: Improving upConfidence: 99%Updated: 5h ago
Sources: 216 (News 200 · Analyst 16)
Drivers
150 news sentiment+2.3
44 regulatory scrutiny+1.0
2 downgrade headlines-0.4
3 earnings beat-0.1
Upgrade headlines+0.1
Analyst downgrades-0.0
Other Metrics
P/E13.2
Profit Margin16.2%
Owner Earnings$32.36b
One Dollar Premise26.00%
Debt/Equity10.31
Current Ratio0.36
PEG3.072
Free Cash Flow (in millions)
20052006200720082009201020112012201320142015201620172018201920202021202220232024
-$10,995$15,257$13,179$6,132$131,971$83,581$65,797-$16,056$93,338$31,955$28,397$17,277$9,864$39,520$61,777$37,993-$7,193-$6,327$44,982$61,472
How Intrinziq Estimates Fair Value

Intrinziq estimates Bank of America Corporation's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Bank of America CorporationFinancial Services

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.