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Bank of America Corporation (BAC) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Diversified

Hold if already holding. Not a fresh buy at $50.71, but acceptable to hold if already in. Reason: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Bank of America is a U.S.-based global financial holding company with four segments—Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets—serving consumers, businesses, institutions, and governments worldwide. As of December 31, 2025, the... Read more

$50.71+11.8% A.UpsideScore 6.0/10#6 of 19 Banks - Diversified
QualityF-score8 / 9FCF yield
IncomeYield2.21%(5y avg 2.34%)Payout27.30%sustainable
Stop $48.34Target $56.68(analyst − 10%)A.R:R 2.4:1
Analyst target$62.98+24.2%23 analysts
$56.68our TP
$50.71price
$62.98mean
$71

Hold if already holding. Not a fresh buy at $50.71, but acceptable to hold if already in. Reason: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 55d clear, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

Recent Developments — Bank of America Corporation

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Attractive valuation
Risks
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)

Key Metrics

P/E (TTM)12.6
P/E (Fwd)10.1
Mkt Cap$359.7B
EV/EBITDA
Profit Mgn29.0%
ROE10.6%
Rev Growth8.1%
Beta1.22
Dividend2.21%
Rating analysts30

Quality Signals

Piotroski F8/9

Options Flow

P/C2.67bearish
IV38%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesMomentum 4.7<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.7>=4.5A.R:R 2.4 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 55d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
37 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $49.30Resistance $54.20

Price Targets

$48
$57
A.Upside+11.8%
A.R:R2.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Analyst Consensus

Analysts30
Consensus4.1/5
Avg Target$63

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-14 (55d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BAC stock a buy right now?

Hold if already holding. Not a fresh buy at $50.71, but acceptable to hold if already in. Reason: V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $56.68 (+11.8%), stop $48.34 (−4.9%), A.R:R 2.4:1. Score 6.0/10, moderate confidence.

What is the BAC stock price target?

Take-profit target: $56.68 (+11.8% upside). Target $56.68 (+11.8%), stop $48.34 (−4.9%), A.R:R 2.4:1. Stop-loss: $48.34.

What are the risks of investing in BAC?

V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Is BAC overvalued or undervalued?

Bank of America Corporation trades at a P/E of 12.6 (forward 10.1). TrendMatrix value score: 7.9/10. Verdict: Hold.

What do analysts say about BAC?

30 analysts cover BAC with a consensus score of 4.1/5. Average price target: $63.

What does Bank of America Corporation do?Bank of America is a U.S.-based global financial holding company with four segments—Consumer Banking, Global Wealth &...

Bank of America is a U.S.-based global financial holding company with four segments—Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets—serving consumers, businesses, institutions, and governments worldwide. As of December 31, 2025, the company employed approximately 213,000 people globally (77% in the U.S.). Compensation and benefits expense was $42.3 billion in 2025, representing 61% of total noninterest expense.

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