Bank of America (BAC) Stock Analysis

July 23, 2026

This is a peer-relative look at Bank of America (BAC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Bank of America (BAC)
Profile Item	BAC
Name	Bank of America Corporation
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Diversified Banks
Market Capitalization	434.45 billion USD
Currency	USD
Exchange	NYSE
Listing Date	February 21, 1973
Security Type	Common Stock

Price Performance

Cumulative Growth

BAC

GSPC

Bank of America (BAC) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Bank of America (BAC) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Bank of America (BAC) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
Total Return (1Y)	31.75%	29.50%
Total Return (3Y, Annualized)	27.31%	22.98%
Total Return (5Y, Annualized)	12.46%	12.20%

Risk Profile

Drawdown History

BAC

GSPC

Bank of America (BAC) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Bank of America (BAC) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
Volatility (1Y, Annualized)	21.70%	26.39%
Beta (5Y)	1.18	0.72
Max Drawdown (5Y)	-46.64%	-43.52%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. BAC is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
Sharpe Ratio (1Y)	1.28	0.96
Sortino Ratio (1Y)	1.84	1.43

Profitability

ROE (TTM)

Bank of America (BAC) posts ROE of 11.20%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

BAC

Banks industry group

11.20%

Group distribution

Max: 19.84%
Q3: 13.14%
BAC: 11.20%
Median: 10.82%
Q1: 8.64%
Min: 3.15%

Largest peers

JPM: 17.79%
RY: 16.20%
WFC: 12.58%
HSBC: 11.61%
BAC: 11.20%
MUFG: 9.40%
C: 8.53%

Where Bank of America (BAC) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Bank of America (BAC) keeps 29.52% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

BAC

Banks industry group

29.52%

Group distribution

Max: 47.55%
Q3: 34.66%
Median: 30.25%
BAC: 29.52%
Q1: 25.91%
Min: 12.81%

Largest peers

HSBC: 34.98%
JPM: 34.92%
RY: 33.69%
BAC: 29.52%
WFC: 27.23%
MUFG: 25.77%
C: 21.83%

Where Bank of America (BAC) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Bank of America (BAC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
ROE (TTM)	11.20%	10.82%
ROA (TTM)	0.97%	1.16%
Net Margin (TTM)	29.52%	30.25%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Bank of America (BAC) grew revenue 6.84%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Bank of America (BAC): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Bank of America (BAC) grew earnings per share 18.69%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Bank of America (BAC): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
Revenue Growth (YoY)	6.84%	11.31%
Revenue Growth (3Y CAGR)	6.00%	6.24%
EPS Growth (YoY)	18.69%	15.83%
EPS Growth (3Y CAGR)	6.10%	3.17%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Bank of America (BAC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Bank of America (BAC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Bank of America (BAC) has dividend yield of 1.85%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

BAC

Banks industry group

1.85%

Group distribution

Max: 6.20%
Q3: 3.10%
Median: 2.21%
BAC: 1.85%
Q1: 1.00%
Min: 0.00%

Largest peers

MUFG: 401.68%
RY: 3.02%
WFC: 2.09%
C: 1.86%
BAC: 1.85%
JPM: 1.77%
HSBC: 0.76%

Where Bank of America (BAC) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Bank of America (BAC) has payout ratio of 25.87%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

BAC

Banks industry group

25.87%

Group distribution

Max: 74.89%
Q3: 42.28%
Median: 28.91%
BAC: 25.87%
Q1: 19.60%
Min: 0.00%

Largest peers

HSBC: 61.98%
RY: 41.35%
WFC: 26.16%
BAC: 25.87%
C: 25.86%
JPM: 25.71%
MUFG: 15.74%

Where Bank of America (BAC) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
Dividend Yield (TTM)	1.85%	2.21%
Dividend Payout Ratio (TTM)	25.87%	28.91%

Valuation

P/E Ratio (TTM)

Bank of America (BAC) trades at P/E ratio of 13.95, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

BAC

Banks industry group

13.95

Group distribution

Max: 21.86
Q3: 15.93
BAC: 13.95
Median: 13.25
Q1: 11.80
Min: 6.78

Largest peers

RY: 19.42
HSBC: 16.36
MUFG: 16.26
JPM: 14.51
BAC: 13.95
C: 13.87
WFC: 12.55

Where Bank of America (BAC) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Bank of America (BAC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Bank of America (BAC) trades at 1.56 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

BAC

Banks industry group

1.56

Group distribution

Max: 2.34
Q3: 1.64
BAC: 1.56
Median: 1.36
Q1: 1.16
Min: 0.68

Largest peers

HSBC: 7.95
RY: 3.21
JPM: 2.60
MUFG: 2.07
WFC: 1.65
BAC: 1.56
C: 1.16

Where Bank of America (BAC) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Bank of America (BAC) metric values compared with Banks industry-group medians
Metric	Current stock: BAC	Industry group median
P/E Ratio (TTM)	13.95	13.25
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.56	1.36
Free Cash Flow Yield (TTM)	--	--