Bank of America (BAC)
Financials · Diversified Banks · NYSE
A global leader in financial services, Bank of America provides comprehensive banking, investment, and market-making services to a vast array of individual and institutional clients.
What Bank of America does
Bank of America Corporation is a diversified financial services company providing a range of banking, investing, asset management, and other financial and risk management products and services. It operates through various segments, including Global Markets, which involves significant trading and market risk management activities. The company offers services to individuals, small- and middle-market businesses, institutional investors, and large corporations.
Themes: retail banking, investment banking, wealth management, global markets / trading, financial risk management
Fundamentals
- Price$53.61 as of 2026-10-08 close
- Market cap$374.9B as of 2026-07-30 (share count; price 2026-10-08)
- 1-year return+7.6% 2025-10-08 close $49.84 → 2026-10-08 close $53.61
- P/E11.89 as of 2026-10-08
- Net margin+27.0% FY2025, SEC XBRL
- ROE+10.1% FY2025, SEC XBRL
- Debt / equity2.43 as of 2026-09-03
- Revenue growth (YoY)+6.8% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+6.0% SEC XBRL
- Beta0.93 as of 2026-09-03
- Last reported earnings2026-07-14 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.2%; 17-year non-decreasing per-share dividend streak (SEC XBRL).
How BAC compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
BAC is not currently in any published Top 10 list. Its scores are below.
Top 10 score
48.1 #843 of 1,379 scored · #181 of 220 in Financials
Capital return 86th (consecutive years of dividend increases 17 years, net share count bought back over the year 3.2) and valuation 73rd (price to book 1.2, price to earnings 11.9); weakest is financial health (13th, debt to equity 2.4).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, BAC's dividend was covered by reported results (earnings payout 31%, operating-cash-flow payout 76%). This describes past coverage, not a forecast.
- Earnings payout31% dividends / net income
- Operating-cash-flow payout76% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Bank of America looks technically
Bank of America (BAC) is trading 3.0% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 81 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 47, with sellers in control. Momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 25, in oversold territory (below 30). It made a new 20-day low about 2 trading days ago. It is 17.8% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 3.0% below its 200-day average, the long-term trend line — a long-term downtrend | -3.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $60.22 | $60.22 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $55.28 | $55.28 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 42 calendar days ago — the swings before that are what the structure reading is measured on | 42 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 81 trading days ago — a "golden cross", a bullish long-term signal | 81 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 47, with sellers in control | 47.1 |
Momentum
3
| 14-day RSI | momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 25, in oversold territory (below 30) | 24.5 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($52.24 to $58.28) — its "stochastic" reading is 23 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 22.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 38 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $65.22 | $65.22 |
|---|---|---|
| From the 52-week high | it is 17.8% below its 52-week high (its highest price of the past year) | -17.8% |
| Above the 52-week low | it is 16.3% above its 52-week low (its lowest price of the past year) | +16.3% |
| Below the 52-week high | it is 17.8% below its highest point of the past year | 17.8% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $65.22 (set on 2026-08-17) | $65.22 |
| Given back of the 52-week move | over the past year its closes ranged ($46.72 to $64.81), and it has given back close to two thirds of its rise from last year’s low — 62% of it. Chart-watchers call 61.8%-65% given back the "golden pocket", and this is inside it — for this company that is $53.05 to $53.63. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 61.9% |
| From the all-time high | it is 17.8% below its all-time high | -17.8% |
| Nearest price level | it is trading 1.4% above a support level at $52.87 — a price it turned at twice since 2025-09-23, most recently on 2025-10-15. Since 2024-10-08 it has 9 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.4% |
| All-time low | its lowest closing price on record is $2.53 (set on 2009-02-20) | $2.53 |
| Above the all-time low | it is 2019.0% above its all-time low | +2,019% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 80% of the past ~6 months) | 80th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.10 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.10 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $51.47 and $61.13 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $51.47 – $56.30 – $61.13 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.1% |
| Stretch from the 200-day average | it is trading 1.5 daily ranges below its 200-day average price (3.0% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.5 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.62× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 1.9% since the prior reading | -1.9% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-10-08 1.0% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -1.0% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 15.1 percentage points (the stock lost 14.1% while the market gained 1.0%) | -15.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 11.9 percentage points (the stock lost 8.0% while the market gained 3.8%) | -11.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 10.4 percentage points (the stock gained 7.1% while the market gained 17.5%) | -10.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 7.4 percentage points (the stock gained 7.6% while the market gained 15.0%) | -7.4% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, its RSI momentum gauge is oversold (a beaten-down reading) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 12% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.7% of the share price. | -11.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $54.88 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -2.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 11% below the average price paid since it last reported on 2026-07-14 (its 8-K), so the typical buyer over that stretch is under water. That average is $60.01 — a volume-weighted average of daily closes over 62 sessions, not a true tick-by-tick VWAP. | -10.7% |
Price levels it has turned at before
BAC last closed at $53.61 on 2026-10-08. Since 2024-10-08 it has turned at 9 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $52.87 | Support | 1.4% below the last close | turned there twice · 2025-09-23 to 2025-10-15 |
| $54.44 | Resistance | 1.6% above the last close | turned there four times · 2025-11-04 to 2026-05-06 |
| $51.70 | Support | 3.6% below the last close | turned there twice · 2025-11-05 to 2026-01-14 |
| $50.88 | Support | 5.1% below the last close | turned there four times · 2025-08-29 to 2026-05-29 |
| $57.09 | Resistance | 6.5% above the last close | turned there three times · 2026-01-05 to 2026-06-30 |
| $63.45 | Resistance | 18.4% above the last close | turned there three times · 2026-07-27 to 2026-09-11 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Oversold (14-day RSI below 30) · Broke down to a new 20-day low · Analyst price target recently CUT · lagging the market · Near the golden pocket (has given back about two thirds of its 52-week move) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 21 analysts
- Mean price target$67.33 range $62.00 – $75.00; median $67.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BAC
- Consensus EPS estimate$1.12 next reporting period, as of 2026-10-06
- Estimate change, 30 days-$0.07958 (-6.7%) from $1.20, on 2026-09-01, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Market risk, including potential negative impacts on earnings and asset values from market volatility.","Uncertainties related to future economic conditions and business results.","Dependence on the effectiveness of risk management models like Value at Risk (VaR)."]
What changed in the latest 10-Q
AI-assisted comparison of BAC's 10-Q filed 2026-07-31 against the prior one filed 2026-05-01.
Management's Discussion & Analysis (MD&A)
- Notes:
- The provided excerpts of the newer and older MD&A sections are textually identical in their entirety.
- Both excerpts end mid-sentence at 'more fully discussed under', so any changes beyond that point cannot be assessed from the provided text.
Risk Factors
- Added:
- Newer filing (2026-07-31) adds a sentence under Backtesting: 'During the six months ended June 30, 2026, there were three days with losses that exceeded our total covered portfolio VaR.'
- Newer filing (2026-07-31) adds a sentence under Total Trading-related Revenue: 'This compares to the three months ended March 31, 2026 where positive trading-related revenue was recorded for 100 percent of the trading days, of which 97 percent were daily trading gains of over $25 million.'
- Removed:
- Older filing (2026-05-01) includes the sentence under Total Trading-related Revenue: 'This compares to the three months ended December 31, 2025 where positive trading-related revenue was recorded for 98 percent of the trading days, of which 89 percent were daily trading gains of over $25 million, and the largest loss was $2 million.' which is not present in the newer filing.
- Reworded:
- Newer filing (2026-07-31) changes table references from Table 37/Table 38/Table 39 to Table 38/Table 39/Table 40.
- Newer filing (2026-07-31) updates the three-month comparison period in the Total Trading-related Revenue paragraph from 'three months ended March 31, 2026 compared to the three months ended December 31, 2025' to 'three months ended June 30, 2026 compared to the three months ended March 31, 2026'.
- Newer filing (2026-07-31) updates Backtesting disclosure from 'During the three months ended March 31, 2026, there were two days' to 'During the three months ended June 30, 2026, there was one day'.
- Newer filing (2026-07-31) updates the three-month VaR comparison headline periods from 'March 31, 2026, December 31, 2025 and March 31, 2025' to 'June 30, 2026, March 31, 2026 and June 30, 2025'.
- Newer filing (2026-07-31) updates the trading-related revenue daily gains percentage for the current quarter from 97 percent (March 31, 2026) to 98 percent (June 30, 2026).
- Newer filing (2026-07-31) omits the second sentence about the historical comparison quarter in the trading-related revenue histogram paragraph that was present in the older filing.
- Newer filing (2026-07-31) updates the table column labels and data from older quarterly periods (December 31, 2025 and March 31, 2025) to the new comparison periods (June 30, 2025).
- Newer filing (2026-07-31) truncates at 'Table 40 presents the spot and 12-month forward rates used in developing the forward curve used in our baseline forecasts at June 30, 20' and does not include the forward rates table or subsequent content present in the older filing.
- Notes:
- The newer filing text is truncated at the end of the provided section, so changes after 'at June 30, 20' cannot be assessed.
- The excerpt labeled 'Risk Factors' contains content that appears to be from the Market Risk Management section rather than traditional Risk Factors, but this comparison reflects the provided source texts as-is.
- The older filing also appears truncated at 'Table 40 shows the potential pretax', so the comparison beyond that point in the older text cannot be assessed.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
18 open-market purchases and 18 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-0418 buys ($160668) · 18 sells ($161040) — 1 buying, 1 selling insiders
- Last 180 days · read to 2026-10-0429 buys ($252935) · 27 sells ($7M) — 2 buying, 3 selling insiders
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-18. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BAC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 22 matched disclosures for BAC from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
6 institutional 13F filers reported holding BAC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 1,554,446,786
- Reported value $88,572,377,894
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 3 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about BAC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BAC had 83,249,868 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
BAC had 1.19% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.39 days to cover at the same settlement.
- Reported short interest (shares) 83,249,868
- Short interest (% of shares outstanding) 1.19%
- Prior settlement (shares) 82,250,230
- Reported change 1.22%
- Days to cover (reported) 2.39
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Bank of America (BAC) do?
Bank of America Corporation is a diversified financial services company providing a range of banking, investing, asset management, and other financial and risk management products and services. It operates through various segments, including Global Markets, which involves significant trading and market risk management activities. The company offers services to individuals, small- and middle-market businesses, institutional investors, and large corporations.
What sector is Bank of America (BAC) in?
Bank of America (BAC) is classified in the Financials sector. Its industry is Diversified Banks. It trades on NYSE.
Does BAC pay a dividend?
Yes — Bank of America (BAC) pays a dividend, with an indicated yield of about 2.22% and 17-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are Bank of America's (BAC) competitors?
Notable peers of Bank of America (BAC) include JPMorgan Chase, Citigroup, Wells Fargo, Goldman Sachs and Morgan Stanley. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in BAC?
Yes — we hold 22 matched STOCK Act disclosures for BAC from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Bank of America (BAC) overbought or oversold right now?
Bank of America (BAC) is currently in oversold territory (its 14-day RSI is 25, below 30) (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BAC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.