BAC

SELL

Bank of America Corporation

Financial Services · Rank #273 · Analyzed Apr 20, 2026

$53.91

Current Price

$54.33

Intrinsic Value

+20.9%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 20.9%

Fair Value Range

Low$34.02

Base (IV)$54.33

High$65.20

Entry Points

Conservative$34.02

Moderate$44.18

Aggressive$54.33

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity10.6% → 0.5/1.0

Debt LevelD/E 100 → 0/1.0

Revenue QualityGrowth 6.8%, margin Δ+0.0% → 0.5/1.0

Moat Strength2.0/5 → 0/1.0

Profit Margins29.0% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.