BAC
Bank of America CorporationFinancial ServicesBanks - DiversifiedValue
$50.97 · 15min delay
β 1.22A steady mega-cap business trading near fair value. Frameworks sharply disagree on it.
52-wk low $42.3552-wk high $57.55
Mkt Cap
$361.71B
P/E
—
PEG
0.92
P/B
1.32
Dividend
2.22%
ROE
10.6%
About the business
Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services. The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, and underwriting and advisory services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.
Who would buy BAC?
Consensus 41/100 · Mixed · Investors are split.
5 5 5
Endorses
· 3 frameworks- Benjamin Graham· Graham Defensive100/100
P/B < 1.5 1.32× clears "< 1.50×".
- Seth Klarman· Klarman Margin of Safety100/100
Net Cash > 0 $6.38 clears "> $0.00".
- Howard Marks· Marks Risk-First100/100
Net Cash Positive $6.38 clears "> $0.00".
Insider activity · Negative
Insider selling outweighs buying
Strength 70/100
7 insiders sold $31.1M on a discretionary basis. Discretionary selling carries more signal than planned disposals, but insiders sell for many non-thesis reasons (taxes, diversification, life events) — do not over-read it. Over the 6M window, insiders are net buyers by 2,982,456 shares.
In Prism's context
Insider selling on a cheap or stressed name is a more meaningful negative than on a compounder — the people closest to the business are not voting with their wallets. Weigh this against the framework verdict (Weak match).
| Insider | Role | Type | Date | Shares | Avg price | Value | Own |
|---|---|---|---|---|---|---|---|
| GREENER GEOFFREY S | Officer | Open-market sell | May 5, 2026 | 126,756 | $53.01 | $6.72M | Indirect |
| WOODS THOMAS D | Director | Award / grant | May 4, 2026 | 5,365 | $0.00 | $0 | Direct |
| ZUBER MARIA T. | Director | Award / grant | May 4, 2026 | 5,365 | $0.00 | $0 | Direct |
| ALMEIDA JOSE E. | Director | Award / grant | May 4, 2026 | 5,365 | $0.00 | $0 | Direct |
| MARTINEZ MARIA N. | Director | Award / grant | May 4, 2026 | 5,365 | $0.00 | $0 | Direct |
| DONALD ARNOLD WAYNE | Director | Award / grant | May 4, 2026 | 5,365 | $0.00 | $0 | Direct |
| MOYNIHAN BRIAN T | Chief Executive Officer | Transaction | Apr 15, 2026 | 18,083 | — | — | Direct |
| MOYNIHAN BRIAN T | Chief Executive Officer | Transaction | Mar 13, 2026 | 18,082 | — | — | Direct |
| MENSAH BERNARD AMPONSAH | Officer | Open-market sell | Mar 12, 2026 | 94,000 | $46.94 | $4.41M | Direct |
| BRONSTEIN SHERI B | Officer | Open-market sell | Mar 5, 2026 | 60,000 | $49.91 | $2.99M | Direct |
| SCRIVENER THOMAS M | Officer | Open-market sell | Mar 5, 2026 | 50,000 | $49.82 | $2.49M | Direct |
| DEMARE JAMES P. | President | Open-market sell | Mar 4, 2026 | 83,832 | $50.00 | $4.19M | Indirect |
| ATHANASIA DEAN C | President | Open-market sell | Mar 3, 2026 | 136,558 | $50.21 | $6.86M | Direct |
| DEMARE JAMES P. | President | Transaction | Feb 27, 2026 | 149,876 | — | — | Indirect |
| BRONSTEIN SHERI B | Officer | Transaction | Feb 27, 2026 | 39,551 | — | — | Direct |
| MOGENSEN LAUREN A | Officer | Transaction | Feb 27, 2026 | 47,877 | — | — | Direct |
| BORTHWICK ALASTAIR M. | Chief Financial Officer | Stock Gift at price 0.00 per share. | Feb 27, 2026 | 32,000 | $0.00 | $0 | Direct |
| BORTHWICK ALASTAIR M. | Chief Financial Officer | Open-market sell | Feb 27, 2026 | 68,000 | $50.24 | $3.42M | Direct |
| BORTHWICK ALASTAIR M. | Chief Financial Officer | Transaction | Feb 27, 2026 | 79,101 | — | — | Direct |
| MENSAH BERNARD AMPONSAH | Officer | Transaction | Feb 27, 2026 | 1,432 | — | — | Direct |
| SCRIVENER THOMAS M | Officer | Transaction | Feb 27, 2026 | 37,469 | — | — | Direct |
| THOMPSON BRUCE R | Officer | Transaction | Feb 27, 2026 | 87,428 | — | — | Direct |
| GREENER GEOFFREY S | Officer | Transaction | Feb 27, 2026 | 107,411 | — | — | Indirect |
| ATHANASIA DEAN C | President | Transaction | Feb 27, 2026 | 107,411 | — | — | Direct |
| NGUYEN THONG M | Officer | Transaction | Feb 27, 2026 | 99,917 | — | — | Indirect |
| MOYNIHAN BRIAN T | Chief Executive Officer | Transaction | Feb 27, 2026 | 395,504 | — | — | Direct |
| DEMARE JAMES P. | President | Transaction | Feb 13, 2026 | 274,911 | — | — | Indirect |
| GOPALKRISHNAN HARI | Chief Technology Officer | Transaction | Feb 13, 2026 | 128,483 | — | — | Direct |
| BRONSTEIN SHERI B | Officer | Transaction | Feb 13, 2026 | 119,277 | — | — | Direct |
| OKPARA JOHNBULL | Officer | Transaction | Feb 13, 2026 | 29,908 | — | — | Direct |
| MOGENSEN LAUREN A | Officer | Transaction | Feb 13, 2026 | 112,062 | — | — | Direct |
| BORTHWICK ALASTAIR M. | Chief Financial Officer | Transaction | Feb 13, 2026 | 116,948 | — | — | Direct |
| MENSAH BERNARD AMPONSAH | Officer | Transaction | Feb 13, 2026 | 190,487 | — | — | Direct |
| SCRIVENER THOMAS M | Officer | Transaction | Feb 13, 2026 | 101,523 | — | — | Direct |
| THOMPSON BRUCE R | Officer | Transaction | Feb 13, 2026 | 239,926 | — | — | Direct |
| GREENER GEOFFREY S | Officer | Transaction | Feb 13, 2026 | 179,743 | — | — | Indirect |
| ATHANASIA DEAN C | President | Transaction | Feb 13, 2026 | 190,997 | — | — | Direct |
| NGUYEN THONG M | Officer | Transaction | Feb 13, 2026 | 160,764 | — | — | Indirect |
| MOYNIHAN BRIAN T | Chief Executive Officer | Transaction | Feb 13, 2026 | 166,296 | — | — | Direct |
| MOYNIHAN BRIAN T | Chief Executive Officer | Stock Gift at price 0.00 per share. | Feb 4, 2026 | 100,000 | $0.00 | $0 | Direct |
Showing 40 of 50 matching transactions.
Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 7.4% of shares outstanding.
Net 6M: +2,982,456 sh
Price history
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What would BAC do to your portfolio?
Add Bank of America Corporation at a hypothetical weight and Prism recalculates your whole book:
Risk metrics
Sharpe, Sortino, volatility, max drawdown, beta — before and after.
Sector concentration
How much this shifts your top sector weight and overall diversification.
Archetype tilt
Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.
BAC is currently tagged:ValueWeak match (41/100)
Portfolio analytics are part of the member experience.
Sign in to run this simulationProbabilistic recommendation· rec-v1.0.0-2026-04
Bank of America Corporation · BAC
BAC: 58% estimated probability of outperforming over the next 12M window. 2 of 6 signal families positive (medium confidence). Strongest support: 26% below fair value.
Outperform prob.
58%
vs S&P 500 · 12M
Expected return
+0.1% → +24.1%
mid +12.1% / yr
Downside (p20)
-14.7%
stress -29.3%
Data quality
90/100
Excellent
Prism Score
Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.
Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.
Prism Score
Composite 71/100. Strongest contribution from valuation; weakest from quality.
Composite
71
/ 100
Deep valueval.
94/ 100
P/B 1.32×
Margin of safetyval.
86/ 100
26% below fair value
Bull · base · bear scenarios
Three plausible paths over a 5-year horizon.
Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.
Bull
~20%$89.97
+12.0% / yr (5y)
A turnaround takes hold: margin recovers toward peer averages, revenue stabilises, and the market re-prices the asset value rather than the running earnings.
Drivers
- • Margin expands by 200–400 bps from 36%
- • Stranded asset value crystallises
- • Multiple re-rates one full turn higher
Base
~45%$69.21
+6.3% / yr (5y)
No deterioration, no surprise re-acceleration. 36% operating margin and 8% top-line growth chug along; the multiple slowly converges to the central fair-value estimate.
Global value comparison
Bank of America Corporation vs sector medians — GCC, MENA, and Global ex-US.
Sector: Financial Services. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.
| Metric | BAC | GCC median | MENA median | Global ex-US |
|---|---|---|---|---|
| P/E (TTM) | — | 11.2× | 8.5× | 11.5× |
| P/B | 1.32× | 1.70× | 1.20× | 1.30× |
| Dividend yield | 2.22% | 4.60% | 4.20% | 4.00% |
| ROE | 10.6% |
Earnings reaction explainer
BAC reported in line with consensus.
Reported EPS $1.11 vs $1.10 expected. With no surprise on the headline, the share-price reaction is usually driven by guidance, KPIs, or commentary on demand. Trailing operating margin: 36.0%.
- All audiencesNeutral
In-line prints transfer the conversation from the headline to the guidance, the segment mix, and management commentary on the demand environment.
What to watch on the next print
- • Segment-level KPIs vs estimates
- • Guidance vs current consensus for the next quarter
News & events
Next earnings
Tue, Jul 14 · consensus EPS $1.10 · last actual $1.11
Key Metrics at a Glance
P/E Ratio (TTM)
N/A
PEG Ratio
0.92
P/B Ratio
1.32
EPS Growth
24.4%
Revenue Growth
8.1%
Debt / Equity
N/A
Net Cash / Share
$6.38
Return on Equity
10.6%
Gross Margin
0.0%
Operating Margin
36.0%
FCF / Share
N/A
Current Ratio
N/A