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BAC.US

BANK OF AMERICA CORP /DE/

United StatesBanksNational Commercial BanksNYSE
49.66
USD · Close 3 Nov 2026

Intrinsic value vs last close

Model estimate
Close near intrinsic value
+0.0%Intrinsic value vs last close
At last close+500%
Last close (USD)
49.66
Intrinsic value (USD)
49.66

Intrinsic value = sector model's value (no adjustment)

Earnings-capitalised value

68.46+37.9%vs last close

Cost of equity 10.1% · price volatility 21.8%

Last year's earnings per share, capitalised at a cost of equity that rises with this share's own price swings, growing at the sector's long-run rate.

This is a different figure from the intrinsic value above. The intrinsic value is what the sector model says the business is worth. On Vietnamese stocks this figure has ranked future returns best in our track record; this market has no track record here yet.

Model reliability
Low
Model fitInput stabilityRisk checks
High requires the model’s diagnostic criteria to be met.
Probability of outperforming peers
Not assessed
A separate peer-outperformance probability is unavailable for this valuation.
Assessed 4 Nov 2026Not updated with daily prices

These assessments address different questions. Neither establishes that the displayed valuation is correct or guarantees a future return.

Published filingsValued 4 Nov 2026Anchored to close on 3 Nov 2026The gap is recalculated when the close changes; the value updates weekly.

Valuation Breakdown

National Commercial Banks→Bank
Classified as bank from the industry its market data reports: “National Commercial Banks”.
ModelP/B x ROE Regression
Intrinsic Value = Fair P/B x Book Value Per Share

Estimates a fair price-to-book (P/B) multiple from how the market prices listed peer banks on their book value and returns. ROE, asset size, a bad-loan indicator and credit growth are weighed together to place this bank among its peers.

Technical details
Why this model

A bank's free cash flow does not mean what it means for an ordinary company. Book value, ROE and asset quality give a better frame of reference for valuing a bank.

How it works

A robust (Huber) multivariate regression estimates P/B from 3-year average ROE, log total assets, a bad-loan indicator and 3-year credit growth, after limiting extreme observations. Only banks the market prices on their earnings enter the fit (positive ROE, P/B at most 3.0×). The fitted P/B is multiplied by book value per share. A weak fit (R² below 0.4), a fit where higher ROE does not mean a higher P/B, and large state-owned banks use the peer median P/B adjusted for ROE.

Best for

Commercial banks where book value represents real economic assets and ROE reflects sustainable profitability.

1
Model Inputs
Avg ROE→9.18%
Valuation method
ROE-adjusted peer median
Bank peer-model fit (R²)
Unavailable
Fit observations
5

A regression-fit statistic is unavailable for this valuation.

The peer regression was rejected (regression unavailable). This valuation uses an ROE-adjusted peer median.

2
Valuation

We compare the sector model's value with the last close. This market has no track record here yet, so the value is shown as the model gives it.

Last close (USD)→49.66
Intrinsic value vs last close→+0.0%

Intrinsic value = sector model's value (no adjustment)

Intrinsic value (USD)
49.66
What feeds each step— click a source to highlight it in the statements
Profitability & book value9.18%regression type: private peer median tiltfallback used: yes
Cross-sectional featuresr squared: 0n obs: 5
Feeds valuation:Model inputsFinal calculation
Line item202620252024202320222021202020192018201720162015201420132012201120102009200820072006
Cash and cash equivalents
·······161,560177,404157,434147,738159,353138,589131,322110,752120,102108,427121,33932,85742,53136,429
Fixed assets
·12,51612,16811,85511,51010,83311,00010,5619,9069,2479,1399,48510,04910,47511,85813,63714,30615,50013,161··
TOTAL ASSETS
·3,411,7383,261,5193,180,1513,051,3753,169,4952,819,6272,434,0792,354,5072,281,2342,187,7022,144,3162,104,5342,102,2732,209,9742,129,0462,264,9092,223,2991,817,943··
Short-term borrowings
·············45,99930,73135,69859,96269,524158,056··
Long-term borrowings
·317,816283,279302,204275,982280,117262,934240,856229,340227,402216,823236,764243,139249,674275,585372,265448,431438,521268,292··
OWNER'S EQUITY
·303,243295,559291,646273,197270,066272,924264,810265,325267,146266,840256,205243,471232,685236,956230,101228,248231,444177,052146,803135,272
Loans to customers, net
·····966,737909,059974,010937,294926,356895,446890,767866,972910,805883,640892,417898,555862,928908,375··
Allowance for loan losses
·····−12,387−18,802−10,229−9,601−10,393−11,999−12,880−14,947−17,912−24,692−33,783−41,885−37,200−23,071−11,588·
Customer deposits
·2,018,7291,965,4671,923,8271,930,3412,064,4461,795,4801,434,8031,381,4761,309,5451,260,9341,197,2591,118,9361,119,2711,105,2611,033,0411,010,430991,611882,997··

Earnings Quality

Fiscal year 2025
45
Weak
Margin Stability
50
Revenue Quality
39

Quantitative Scores

F-Score
6/9
Neutral
Sharpe
−0.57
Negative
Composite
90
70 and above
Piotroski F-Score Breakdown
✓Net Income > 0
✓Operating CF > 0
✓ROA Rising
✗OCF > Net Income
✓Lower Leverage
✗Better Liquidity
✓No Dilution
✗Margin Up
✓Turnover Up
Price Risk
Momentum
+1.0%
Volatility
21.3%
Max Drawdown
−23.5%

Key Ratios

Fiscal year 2025
1.13P/B
P/E
11.80
ROE
10.1%
EPS
3.86
BVPS
40.31
Net Margin
27.0%
Rev Growth
+11.0%
Div Yield
—

Company Overview

Shares outstanding
6,900M
Industry
National Commercial Banks
Computed 04/11/2026
Methodology & Disclosure

vnvalue is a stock research tool. Its results are calculated from public financial data with published formulas. Nothing on this page constitutes investment, financial, legal, or tax advice, nor a recommendation to buy, sell, or hold any security.

All data, models, and outputs are provided AS IS without warranty of any kind. You are solely responsible for your investment decisions. Past performance and historical valuations are not indicative of future results.

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