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Upturn AI SWOT - About
BAC 
Bank of America Corp (BAC)
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Upturn Advisory Summary
10/13/2025: BAC (3-star) is a WEAK-BUY. BUY since 107 days. Simulated Profits (13.97%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
25 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $56.31
1 Year Target Price $56.31
| 15 | Strong Buy |
| 7 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.83% | Avg. Invested days 56 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 360.35B USD | Price to earnings Ratio 14.27 | 1Y Target Price 56.31 |
Price to earnings Ratio 14.27 | 1Y Target Price 56.31 | ||
Volume (30-day avg) 25 | Beta 1.33 | 52 Weeks Range 32.69 - 52.88 | Updated Date 10/12/2025 |
52 Weeks Range 32.69 - 52.88 | Updated Date 10/12/2025 | ||
Dividends yield (FY) 2.09% | Basic EPS (TTM) 3.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 0.93 | Actual - |
Profitability
Profit Margin 28.51% | Operating Margin (TTM) 30.91% |
Management Effectiveness
Return on Assets (TTM) 0.84% | Return on Equity (TTM) 9.46% |
Valuation
Trailing PE 14.27 | Forward PE 11.85 | Enterprise Value 364971982848 | Price to Sales(TTM) 3.66 |
Enterprise Value 364971982848 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 7.26 | Enterprise Value to EBITDA - | Shares Outstanding 7406947312 | Shares Floating 7378726843 |
Shares Outstanding 7406947312 | Shares Floating 7378726843 | ||
Percent Insiders 8.29 | Percent Institutions 67.23 |
Upturn AI SWOT
Bank of America Corp
Company Overview
History and Background
Bank of America Corp. traces its roots back to 1784 with the founding of Massachusetts Bank in Boston. It evolved through various mergers and acquisitions, becoming Bank of America in 1998 after NationsBank acquired BankAmerica Corporation. Significant milestones include its expansion through acquisitions and its role during the 2008 financial crisis.
Core Business Areas
- Consumer Banking: Offers a wide range of financial products and services to individual consumers, including checking and savings accounts, credit cards, mortgages, and personal loans.
- Global Wealth & Investment Management: Provides wealth management solutions, including investment management, brokerage services, trust and estate planning, and retirement services, to high-net-worth individuals and institutions.
- Global Banking: Delivers banking and financial services to businesses, including commercial lending, treasury services, investment banking, and leasing.
- Global Markets: Engages in sales and trading of fixed income, currencies, commodities, and equity products, as well as providing research and risk management services.
Leadership and Structure
Brian Moynihan serves as the Chairman and CEO. The organizational structure consists of various business segments, each led by senior executives, reporting to the CEO. There is a board of directors providing oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Credit Cards: Bank of America is a major credit card issuer, offering a variety of cards with rewards, cash back, and other benefits. Competitors include JPMorgan Chase (JPM), American Express (AXP), and Capital One (COF). Market share is estimated to be around 11% in the US.
- Description: Credit Cards provide options for customer purchases
- Description: Loans secured by real estate
- Mortgages: Bank of America originates and services residential mortgages. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Rocket Mortgage (RKT).
- Description: Underwriting of securities and investment advising
- Investment Banking: Bank of America provides underwriting, advisory, and trading services to corporations and institutions. Competitors include Goldman Sachs (GS), Morgan Stanley (MS), and JPMorgan Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased competition from fintech companies, regulatory scrutiny, and evolving customer expectations. Digital transformation and cybersecurity are key priorities.
Positioning
Bank of America is one of the largest banks in the United States, with a strong brand reputation and a wide range of financial products and services. It is positioned as a full-service bank catering to a diverse customer base, giving it a competitive advantage with scale and diversification.
Total Addressable Market (TAM)
The total addressable market for US banking is estimated to be in the trillions of dollars. Bank of America Corp is well positioned to capture a significant portion of this TAM, due to its strong brand and large base.
Upturn SWOT Analysis
Strengths
- Large Branch Network
- Strong Brand Recognition
- Diversified Business Model
- Technological Innovation
- Strong Capital Position
Weaknesses
- Litigation and Regulatory Issues
- Exposure to Interest Rate Risk
- Operational Inefficiencies
- Reputational Risk
- Cost Cutting
Opportunities
- Expansion into New Markets
- Increased Digital Adoption
- Strategic Acquisitions
- Growth in Wealth Management
- Rising Interest Rate
Threats
- Increased Competition from Fintech
- Regulatory Changes
- Economic Downturn
- Cybersecurity Threats
- Geopolitical Instability
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Wells Fargo & Company (WFC)
- Citigroup Inc. (C)
- U.S. Bancorp (USB)
Competitive Landscape
Bank of America benefits from a large customer base and comprehensive services, competing on price, service quality, and technological innovation. JPMorgan Chase has similar scale, while regional banks like US Bancorp focus on specific markets.
Major Acquisitions
MBNA
- Year: 2006
- Acquisition Price (USD millions): 35000
- Strategic Rationale: Expanded Bank of America's credit card business.
Countrywide Financial
- Year: 2008
- Acquisition Price (USD millions): 4100
- Strategic Rationale: Expanded Bank of America's mortgage business. (Acquisition happened to be at the height of the housing crisis and therefore caused significant financial issues)
Merrill Lynch
- Year: 2009
- Acquisition Price (USD millions): 50000
- Strategic Rationale: Expanded Bank of America's investment banking and wealth management.
Growth Trajectory and Initiatives
Historical Growth: Financial data to be inputted here in next update.
Future Projections:
Recent Initiatives:
Summary
Bank of America is a leading financial institution with a wide range of services, but faces challenges from fintech companies and economic uncertainty. Its strengths lie in its extensive branch network, strong brand, and diversified businesses, which helps it to remain competitive and capture a significant share of the market. However, it must address regulatory issues, interest rate risk, and improve its fintech offering to maintain long-term growth. Over all BAC is a strong company due to it's size and diversity of products it offers.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Research Reports
- Financial News Articles
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor. Market share data are estimates based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bank of America Corp
Exchange NYSE | Headquaters Charlotte, NC, United States | ||
IPO Launch date 1978-01-13 | Chairman & CEO Mr. Brian Thomas Moynihan | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 213000 | Website https://www.bankofamerica.com |
Full time employees 213000 | Website https://www.bankofamerica.com | ||
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. The company 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, such as automotive, recreational vehicle, and consumer personal 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, such as treasury management, foreign exchange, short-term investing options, and merchant services; working capital management solutions; debt and equity underwriting and distribution, and merger-related and other advisory services; and fixed-income and equity research 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.
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