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Upturn AI Summary - About
Bank of America Corp(BAC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BAC
11/06/2026: BAC (3-star) is currently NOT-A-BUY. Pass it for now.
Bank of America is a major U.S. financial services company that operates a balanced mix of consumer banking, wealth management, and investment services. The firm's strengths lie in its massive deposit base and a robust digital banking platform that drives operational efficiency. Growth is currently focused on expanding digital wealth management tools and cross-selling across segments. Risks include interest rate sensitivity, potential credit losses in commercial real estate, and competition from fintech firms. Bank of America may suit value and dividend-focused investors seeking stability in a large-scale financial institution, provided they monitor regulatory developments and interest rate trends closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the company has growth initiatives, it is a mature, stable entity rather than a high-growth disruptor. |
| Momentum investor | Mixed fit | Momentum appeal depends on current market cycles favoring the financial sector and positive interest rate trends. |
| Value investor | Strong fit | The stock is often viewed as a core holding with reasonable valuation relative to book value. |
| Dividend investor | Strong fit | Bank of America provides a consistent dividend yield and has a long track record of returning capital. |
| Low-risk investor | Mixed fit | Financial stocks can be cyclical and sensitive to interest rates, adding a level of volatility not found in more defensive sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks often fluctuate based on economic reports and central bank policies. |
| Valuation risk | Medium | The stock can become overvalued during banking sector rallies, creating entry risks. |
| Competition risk (Fintech) | Medium / high | New digital players are capturing market share in lending and payments. |
| Business quality | Strong | The company has a highly diversified and resilient business model. |
| Dividend income | Strong | The dividend is well-supported by earnings and regulatory capital compliance. |
| Execution risk | Medium | Managing a massive, complex global organization requires consistent operational discipline. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 52.75% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 341.01B USD | Price to earnings Ratio 11.79 | 1Y Target Price 62.48 |
Price to earnings Ratio 11.79 | 1Y Target Price 62.48 | ||
Volume (30-day avg) 41.9M shares | Beta 1.19 | 52 Weeks Range 45.65 - 64.90 | Updated Date 11/08/2026 |
52 Weeks Range 45.65 - 64.90 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.33% | Basic EPS (TTM) 4.19 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer Banking | Interest income from loans and service fees from deposit accounts. | The bread-and-butter banking business that provides a steady stream of income. |
| Global Wealth & Investment Management | Fees from asset management and brokerage services via Merrill. | Highly profitable fee-based revenue that is less sensitive to interest rate volatility. |
| Global Banking and Markets | Investment banking fees and sales/trading revenue. | More cyclical income that benefits from active capital markets and corporate activity. |
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 2026-10-14 | When Before Market | Estimate 1.11 | Actual 1.08 |
Profitability
Profit Margin 28.06% | Operating Margin (TTM) 31.26% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 10.73% |
Valuation
Trailing PE 11.79 | Forward PE 9.55 | Enterprise Value 304.53B | Price to Sales(TTM) 2.97 |
Enterprise Value 304.53B | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 6.22 | Enterprise Value to EBITDA - | Shares Outstanding 6.90B | Shares Floating 6.87B |
Shares Outstanding 6.90B | Shares Floating 6.87B | ||
Percent Insiders 7.12 | Percent Institutions 72.1 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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