RadarScope: BAC — Analiza Fundamentala

Market Cap

$438.0B

P/E Ratio

14.0

Profit Margin

19.0%

ROE

11.1%

📈 Earnings Report — 2026-07

Ultimul trimestru raportat

EPS Actual

$1.21

▲ 9.0% QoQ▲ 36.0% YoY

EPS Estimat

$1.13

Beat by 7.1%

Revenue Actual

$31.56B

▲ 4.2% QoQ▲ 19.3% YoY

Revenue Estimat

$30.78B

Beat by 2.5%

Istoric Ultimele 4 Trimestre

2026-07

EPS Actual

$1.21

EPS Est.

$1.13

Revenue

$31.56B

Beat/Miss

Beat by 7.1%

2026-04

EPS Actual

$1.11

EPS Est.

$1.01

Revenue

$30.27B

Beat/Miss

Beat by 9.9%

2026-01

EPS Actual

$0.98

EPS Est.

$0.958

Revenue

$28.37B

Beat/Miss

Beat by 2.3%

2025-10

EPS Actual

$1.06

EPS Est.

$0.952

Revenue

$28.09B

Beat/Miss

Beat by 11.3%

Urmatorul Raport

Data

2026-10-14

EPS Estimat

$1.18

Revenue Estimat

$31.35B

💰 Dividende Recente

2026-09

$0.32

Yield: 1.88%

Plata: 2026-09

2026-06

$0.28

Yield: 2.08%

Plata: 2026-06

2026-03

$0.28

Yield: 2.26%

Plata: 2026-03

2025-12

$0.28

Yield: 2.00%

Plata: 2025-12

📊 Scoruri Companie

Crestere 9/10

Revenue & Profit Growth

Evaluare 9/10

P/E · P/B · P/S

Calitate 7/10

Marje · ROE · Datorii

Risc 6/10

Beta · Market Cap

📈 Date Financiare Istorice in miliarde USD

💰 Revenue

📊 Net Profit

💵 Cash Flow

Operating (albastru) · Free (violet)

🏦 Cash & Datorii

Cash (verde) · Long-term Debt (rosu)

💸 Operating Expenses

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📖 Indicatorii lui Lynch — concluzii rapide dupa Peter Lynch

PEG — P/E in contextul cresterii

ATRACTIV

PEG 0.91 · cu dividend 0.82 · crestere EPS ~15.4%/an. Regula Lynch: ~1 corect, sub 0.5 foarte atractiv, peste 2 scump.

P/E vs istoria proprie si sectorul

P/E acum 14.0.
vs media proprie 5 ani (12.2): PESTE media sa
vs sector Financial Services (21.5): SUB sector
Lynch: compara P/E cu propria istorie si media industriei, nu in absolut.

Procentul din vanzari (concentrare produs)

DIVERSIFICAT

Consumer Banking Segme 37% · Global Wealth and Inve 21% · Global Banking Segment 21% · Global Markets Segment 21%
Lynch: un produs genial care aduce sub ~10% din venituri nu misca actiunea.

Cash si datorie

CASH NET POZITIV

Cash net pe actiune $84.24 (~136% din pret e deja acoperit de bani lichizi).
Datorie/Capital 2.43 DATORIE FOARTE MARE — decide supravietuirea in vremuri grele (esential la ciclice si turnarounds).
Tip datorie: OK — TERMEN LUNG — majoritar pe termen lung (obligatiuni = timp de manevra). Scurt $48.1B / Lung $317.8B.

Marje de profit

MARJE SOLIDE

Bruta 65.2% · Operationala 24.7% · Neta 19.0%. Marje mari — de regula castigatorul pe termen lung din industrie.

Inventare vs vanzari

FARA STOCURI

Firma fara stocuri semnificative (servicii / software) — indicatorul nu se aplica.

Povestea in 2 minute

De ce o detii: Analiza AI (verdict, bull case, bear case) este disponibila pe planurile Trader si Elite.
Ce trebuie sa mearga bine: Disponibil pe Trader / Elite
Obstacole: Disponibil pe Trader / Elite
Lynch: daca nu poti explica coerent in 2 minute de ce o detii, nu o intelegi.

🔬 Analiza Fundamentala Avansata · an fiscal 2025-12-31

🏦 Altman Z-Score

0.22 ZONA DE PERICOL

X1 Capital de lucru / Active	0.0	x1.2
X2 Profit reportat / Active	0.077	x1.4
X3 EBIT / Active	0.0	x3.3
X4 Capitalizare / Datorii	0.139	x0.6
X5 Vanzari / Active	0.033	x1.0

Praguri Altman (1968): >2,99 sigur · 1,81–2,99 gri · <1,81 pericol de faliment

💪 Piotroski F-Score

5/9 ACCEPTABIL

✓ROA pozitiv0.89%

✓Cash flow operational pozitiv12.61B

✓ROA in crestere0.89% vs 0.83%

✗Cash flow > Profit net (calitate)12.61B vs 30.51B

✗Datorie pe termen lung in scadere9.3% vs 8.7% din active

✗Lichiditate curenta in cresteren/a

✓Fara emisiune de actiuni noi7212.5M vs 7610.9M

✗Marja bruta in cresteren/a

✓Rotatia activelor in crestere0.03 vs 0.03

9 teste binare (Piotroski, 2000). 8–9 = putere financiara · 0–2 = slabiciune

Metode publice: Altman, E. (1968), Journal of Finance · Piotroski, J. (2000), Journal of Accounting Research · ROIC/WACC prin CAPM. Fiecare cifra isi arata componentele si pragurile — poti reface calculul manual.

📊 Metrici Fundamentale

P/E TTM14.0

P/B TTM1.47

P/S TTM2.47

EV/EBITDA25.0

Gross Margin65.2%

Operating Margin24.7%

Net Margin19.0%

ROE11.1%

ROA1.0%

Debt/Equity2.43

Current Ratio0.07

FCF Yield21.6%

Dividend Yield1.81%

Beta1.17

💰 Venituri & Profit (ultimele trimestre)

Trimestru	Revenue	Gross Profit	Net Income	EPS
2026-06	$49.4B	$30.2B	$9.1B	$1.22
2026-03	$47.9B	$28.9B	$8.6B	$1.12
2025-12	$49.7B	$29.9B	$7.5B	$0.99
2025-09	$48.2B	$26.8B	$8.5B	$1.08

🏢 Profil Companie

CEOBrian Thomas Moynihan

Angajati211000

IPO1973-02-21

Websitehttps://www.bankofamerica.com...

52W High$65.23

52W Low$46.12

Operating globally through its various subsidiaries, Bank of America Corporation offers a comprehensive range of banking and financial products and services. Its extensive clientele includes individual consumers, small and mid-market businesses, institutional investors, large corporations, and government bodies worldwide. The Consumer Banking division provides diverse options such as traditional and money market savings accounts, certificates of deposit, individual retirement accounts (IRAs), an...

🎯 Score Breakdown

Calitate Companie (Q) 7/10

Risc Speculativ (R) 6/10

Scor AI RadarScope 0/100

VERDICT FINAL

TINE

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