Bank of America

BAC US Financials Diversified Banks
S&P 500
$62.69
+0.21%
Delayed · cached 15 min

Fair value analysis

BAC
Bank of America
FinancialsDiversified Banks
$62.69
Close used for this calculation
$70.99Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
59/100
Profitability25/25
Returns10/25
Balance Sheet8/25
Efficiency16/25
Growth20/25
Good
Quality radar
59Prof.25/25Ret.10/25Eff.16/25B.Sht8/25Growth20/25

Consensus fair value

$70.99
Near FV
▲ +13.2% against the close used
Model range $42.58 – $84.58
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$42.58Fair value$70.99Bull$84.58
FairClose
52-week traded range
52W low $46.7252W high $64.81

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Bank of America closed at $62.69, 11.7% below the consensus fair value of $70.99 drawn from 9 valuation models.

Financial DNA score 59/100 — Good. P/E of 16.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$75.62
+20.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$59.46
-5.2%
√(22.5 × EPS × BVPS)
EPS=3.81, BVPS=41.24 · outside Graham range (P/E 16.5, P/B 1.5) — asset-light, treat as a rough floor
P/E Fair Value
$76.20
+21.6%
EPS × 20x (sector P/E)
EPS=3.81, Sector P/E=20x
Peter Lynch (PEG)
$84.58
+34.9%
EPS × Growth% (PEG = 1 is fair)
EPS=3.81, g=22.2%
EV/EBITDA
$79.20
+26.3%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=40.01B
Dividend Discount (DDM)
$58.23
-7.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.08, r=10%, g=8%
Book Value (P/B)
$42.58
-32.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=41.24, ROE=10.1%, g=6%, r=10%
Reverse DCF
$62.69
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 4.5% | Historical: 22.2%
Margin of Safety
$52.82
-15.7%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=70.43, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.