Stock·NYSE·Financial Services
Bank of America Corporation (BAC)
- Market cap
- $358.24B
- P/E
- 12.23
- Dividend yield
- 2.26%
- Street target
- $66.00median of 25 analysts
- 52-week range
- $46.12 $65.23
The short version
Where BAC stands today, in four lines, and what CleaRank Financial AI makes of it.
BAC at a glance
Bank of America Corporation (BAC): Hold, 52/100 on CleaRank's AI score.
- Trend Down: the price is below both its 50- and 200-day moving averages ($59.05 and $55.20).
- Earnings BAC beat estimates in 7 of its last 8 quarters, yet fell the next day after 4 of those beats.
- Insiders Insiders sold $37.8M and made no open-market purchases over the last 18 months.
- Valuation P/E of 12.2 against 16.5 for the Financial Services sector: a discount to peers (-26%).
Figures as of October 17, 2026.
CleaRank Financial AI
Bank of America Corporation (BAC) carries a CleaRank rating of Hold and a model score of 52/100.
Analysts lean strongly positive: 21 of 25 rate the stock a buy, and the median target is 28.8% above the price. Trend is the heaviest drag, with the price 7.18% below the 200-day average and 13.25% below the 50-day average. Those averages stand at $59.05 for the 50-day and $55.20 for the 200-day. Across the past year, the price climbed 1.57%.
Only on CleaRank
Figures we compute ourselves from BAC's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
1/4Price above its 50-day average ›
The price of $51.23 is 13.2% below the 50-day simple moving average of $59.05.Price above its 200-day average ›
The price is 7.2% below the 200-day simple moving average of $55.20.50-day average above the 200-day ›
The 50-day average ($59.05) is 7.0% above the 200-day average ($55.20), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 27% of its 52-week range, between $46.12 and $65.23.
BAC share price
Pick a period: each tab shows how far BAC has moved over it, to the last close.
Today's trading
Where BAC sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 12.23 is 25.9% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 3.12 is 17.9% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $30.8B on revenue of $114.9B, a net margin of 26.8%.Beat estimates in most recent reports ›
BAC beat the EPS estimate in 7 of its last 8 reports.Pays a dividend ›
The trailing dividend yield is 2.26%, or $1.16 a share a year.
Key statistics
The headline figures for BAC.
As of October 17, 2026, BAC trades at $51.23, with a market value of $358.24B, a P/E ratio of 12.23 and a dividend yield of 2.26%.
What the numbers say
CleaRank Financial AI's reading of BAC's valuation, growth and risks.
BAC's valuation on earnings looks modest. Its P/E of 12.23 compares with a Financial Services median of 16.5, which makes the P/E 25.9% below the sector median P/E and a discount to peers. Its price-to-sales ratio of 3.12 is 17.9% below the sector median of 3.8. Trailing earnings per share come to $4.19 for scale.
Growth trails the sector: revenue grew 7.10% in the latest year, against a sector median of 11.7%. The business earns a net margin of 28.06% and an operating margin of 31.26% and a return on equity of 10.73%, below the sector median of 13.8%. Rounding out the fundamentals, BAC reports debt-to-equity of 0.02 and a trailing dividend yield of 2.26% ($1.16 a share a year).
Bank of America Corporation (BAC) missed the estimate by 18.02% in its most recent report, released on October 14, 2026. Earnings came in at $0.91 a share, against a $1.11 estimate. Even so, the stock rose 0.60% in the following session.
The earnings record shows 7 beats in 8 reports; even so, 4 of those 7 beats were followed by a lower share price the next session. The consensus EPS estimate stands at $4.57 for this fiscal year and $5.22 for next, growth of 20.0% for the current year.
BAC's daily returns have a 30-day standard deviation of 1.55%. While the price stays under its moving averages, the trend is a headwind for holders. The stock is 21.46% below its 52-week high of $65.23. Insiders sold $37.8M of stock over the last 18 months and bought none on the open market. Insider sales are often planned in advance, so they carry less weight than purchases would.
BAC against the Financial Services sector
How BAC compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: BAC trades at a notable discount to sector peers (-26%), which may indicate undervaluation or specific company headwinds.
Return vs XLF: Since May 6, 2025, BAC has gained 25.4% against a gain of 12.9% for XLF.
Performance against XLF
BAC and the Financial Services sector fund over the same days.
Revenue and earnings
How much BAC sells, and how much of it becomes profit.
Revenue growth: Revenue grew 11.0% in FY2025 to $113B, from $102B a year earlier.
Profit margin: The net margin was 27.0% in FY2025, up from 26.6% the year before.
Profitable: BAC earned $30.5B in FY2025.
Earnings reality check
Did BAC beat what analysts expected, and how did the stock react?
Earnings record: BAC beat the analyst estimate in 7 of the last 8 quarters.
Market reaction: The stock fell in the first session after 4 of those 7 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Oct 14, 2026after close | $1.11 | $0.91 | -18.02% | +0.60% | - |
| Jul 14, 2026after close | $1.12 | $1.21 | +8.04% | +1.60% | +0.99% |
| Apr 15, 2026after close | $1.02 | $1.11 | +8.82% | -1.49% | -2.21% |
| Jan 14, 2026after close | $0.95 | $0.98 | +3.16% | +0.21% | -0.06% |
| Oct 15, 2025after close | $0.95 | $1.06 | +11.58% | -3.52% | -2.26% |
| Jul 16, 2025after close | $0.86 | $0.89 | +3.49% | +2.15% | +4.58% |
| Apr 15, 2025after close | $0.81 | $0.90 | +11.11% | -1.74% | +2.00% |
| Jan 16, 2025after close | $0.77 | $0.82 | +6.49% | -0.24% | -0.26% |
As of October 17, 2026, BAC has beaten the analyst EPS estimate in 7 of its last 8 reported quarters and fell in the first trading session after 4 of those beats; its latest report, on October 14, 2026, came in 18.02% below the estimate and the stock moved +0.60% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
0/3RSI not overbought or oversold ›
The 14-day RSI is 24.0, in oversold territory.RSI above 50 ›
An RSI of 24.0 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of BAC
The score, the reasoning behind it, and what could move the price next.
Bank of America Corporation (BAC) is in a downtrend. The stock trades at $51.23, 13.25% below its 50-day average of $59.05 and 7.18% below its 200-day average of $55.20. It sits near the bottom of its 52-week range: the price is 11.08% above the low of $46.12 and 21.46% below the high of $65.23. The 50-day average is still 6.99% above the 200-day, so the longer averages have yet to adjust to the weaker price.
The 14-day RSI of 24.0 is in oversold territory, and the MACD line is negative. A recent pullback sits inside a stronger longer record: the price fell 11.52% over the past month, fell 16.39% over the past three months and rose 1.57% over the past year. Volume in the last session ran 34.8% above its average, on a day the price fell 0.91%.
Earnings miss ›
The October 14, 2026 report missed the EPS estimate by 18.02%, and the share price rose 0.60% in the first session after it.
Source: Earnings report, October 14, 2026
Rating reaffirmed ›
TD Cowen kept its Hold rating on October 8, 2026.
Source: Analyst action, TD Cowen, October 8, 2026
- The two nearest levels to watch are the 20-day EMA at $54.56, which sits above the price, and the 52-week low at $46.12, which sits below it.
- A 14-day RSI of 24.0 places the reading in oversold territory, and the MACD line is negative. Readings above 70 or below 30 are the usual markers of stretched momentum.
- The share price rose 0.60% in the first session after the October 14, 2026 report. BAC has beaten estimates in 7 of the last 8 reports.
BAC is in a downtrend, trading below its 50-day and 200-day moving averages ($59.05 and $55.20). Winning back the 200-day would be the first real sign of repair. The closest level above the price is the 20-day EMA at $54.56.
BAC's next level below the price is its 52-week low at $46.12. Momentum is significantly depressed, with the RSI in the oversold zone. A move back above that threshold would be an early hint that the decline is levelling off.
Technical indicators
Momentum and trend for BAC, from its daily closes.
As of October 17, 2026, with BAC at $51.23, its 14-day RSI is 24.0 (oversold territory), its 50-day simple moving average is $59.05 and its 200-day is $55.20.
Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What BAC moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 17, 2026, BAC's 1-year correlation of daily returns is +0.60 with S&P 500 (SPY), +0.47 with Nasdaq 100 (QQQ), +0.18 with Bitcoin (BTC) and +0.07 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
3/3Most analysts rate it a buy ›
21 of 25 analysts rate it a buy or strong buy, 4 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $66.00 is 28.8% above the price.More buy ratings than three months ago ›
21 of 25 rate it a buy now, against 20 of 24 three months ago.
BAC Wall Street View
12-month price targets
The price, $51.23, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 8, 2026 | TD Cowen | Reinstates | Hold |
| Oct 5, 2026 | UBS | Maintains | Buy |
| Oct 2, 2026 | JP Morgan | Maintains | Overweight |
| Oct 1, 2026 | Evercore ISI Group | Maintains | Outperform |
| Oct 1, 2026 | Truist Securities | Maintains | Buy |
| Aug 3, 2026 | UBS | Maintains | Buy |
As of October 17, 2026, 25 Wall Street analysts cover BAC: 21 rate it a buy or strong buy, 4 a hold and 0 a sell or strong sell. Their 12-month price targets range from $60.00 to $75.00, with a median of $66.00, 28.8% above the price of $51.23.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
BAC trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Entry Strategies pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from BAC's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much BAC tends to move, against the market and on its own.
The long record
BAC's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Average daily move under 2% ›
The price has moved 1.55% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 45.1%, from January 2022 to October 2023, regained by November 2024.Most 1-year holds ended higher ›
62% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $39,851, against $42,055 in the S&P 500 (SPY).
BAC Drawdowns & Recovery
As of October 17, 2026, BAC's worst peak-to-trough fall over the last 10 years with dividends reinvested was -45.1% (January 2022 to October 2023); it regained that peak by November 2024, 13 months after the low, and 62% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into BAC in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: BAC trailed the S&P 500 over this period: $39,851 against $42,055.
A $10,000 investment in BAC in October 2016 would be worth about $39,851 today with dividends reinvested, compared with about $42,055 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to BAC, and which have not.
Strongest month, November: an average of +8.30%, up in 7 of 10 years.
Weakest month, March: an average of -4.42%, up in 2 of 10 years.
This month, October: has averaged +3.73%, up in 6 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, BAC's strongest calendar month has been November (average +8.30%, up in 7 of 10 years) and its weakest March (average -4.42%, up in 2 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in BAC, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in BAC today could grow to about $22,606 by 2036 in the base case, with a 90th-percentile outcome near $77,828 and a 10th-percentile outcome around $6,566. The simulation models price only; at today's 2.26% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
BAC Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $70.99 for BAC by 2030 in the base case, from $51.23 today (1.4x over 4 years). The 10th-percentile path ends near $32.48. These are outcomes of a Monte Carlo simulation run on BAC's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $37.60 | $55.58 | $82.17 | |
| 2028 | $34.69 | $60.31 | $105 | |
| 2029 | $33.24 | $65.43 | $129 | |
| 2030 | $32.48 | $70.99 | $155 | |
| 2031 | $32.14 | $77.03 | $185 |
Method: a lognormal simulation of BAC's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
BAC insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: No insider bought BAC shares on the open market in the last 18 months. Sales are often planned in advance or cover tax on vesting shares, so they say less than purchases would.
As of October 17, 2026, BAC insiders reported 8 open-market sales worth $37.8M and no open-market purchases over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Sep 15, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| Aug 14, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| Jul 15, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| Jun 15, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| May 15, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| May 5, 2026 | Geoffrey S Greener
Officer
|
Sell | 126.8K | $6.7M |
| May 4, 2026 | Jose E. Almeida
Director
|
Grant | 5.4K | - |
| May 4, 2026 | Arnold Wayne Donald
Director
|
Grant | 5.4K | - |
| May 4, 2026 | Maria N. Martinez
Director
|
Grant | 5.4K | - |
| May 4, 2026 | Thomas D Woods
Director
|
Grant | 5.4K | - |
| May 4, 2026 | Maria T. Zuber
Director
|
Grant | 5.4K | - |
| Apr 15, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| Mar 13, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 18.1K | - |
| Mar 12, 2026 | Bernard Amponsah Mensah
Officer
|
Sell | 94.0K | $4.4M |
| Mar 5, 2026 | Sheri B Bronstein
Officer
|
Sell | 60.0K | $3.0M |
| Mar 5, 2026 | Thomas M Scrivener
Officer
|
Sell | 50.0K | $2.5M |
| Mar 4, 2026 | James P. Demare
President
|
Sell | 83.8K | $4.2M |
| Mar 3, 2026 | Dean C Athanasia
President
|
Sell | 136.6K | $6.9M |
| Feb 27, 2026 | Alastair M. Borthwick
Chief Financial Officer
|
Sell | 68.0K | $3.4M |
| Feb 27, 2026 | Dean C Athanasia
President
|
Grant | 107.4K | - |
| Feb 27, 2026 | Alastair M. Borthwick
Chief Financial Officer
|
Grant | 32.0K | - |
| Feb 27, 2026 | Alastair M. Borthwick
Chief Financial Officer
|
Grant | 79.1K | - |
| Feb 27, 2026 | Sheri B Bronstein
Officer
|
Grant | 39.6K | - |
| Feb 27, 2026 | James P. Demare
President
|
Grant | 149.9K | - |
| Feb 27, 2026 | Geoffrey S Greener
Officer
|
Grant | 107.4K | - |
| Feb 27, 2026 | Bernard Amponsah Mensah
Officer
|
Grant | 1.4K | - |
| Feb 27, 2026 | Lauren A Mogensen
Officer
|
Grant | 47.9K | - |
| Feb 27, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 395.5K | - |
| Feb 27, 2026 | Thong M Nguyen
Officer
|
Grant | 99.9K | - |
| Feb 27, 2026 | Thomas M Scrivener
Officer
|
Grant | 37.5K | - |
| Feb 27, 2026 | Bruce R Thompson
Officer
|
Grant | 87.4K | - |
| Feb 13, 2026 | Dean C Athanasia
President
|
Grant | 191.0K | - |
| Feb 13, 2026 | Alastair M. Borthwick
Chief Financial Officer
|
Grant | 116.9K | - |
| Feb 13, 2026 | Sheri B Bronstein
Officer
|
Grant | 119.3K | - |
| Feb 13, 2026 | James P. Demare
President
|
Grant | 274.9K | - |
| Feb 13, 2026 | Hari Gopalkrishnan
Chief Technology Officer
|
Grant | 128.5K | - |
| Feb 13, 2026 | Geoffrey S Greener
Officer
|
Grant | 179.7K | - |
| Feb 13, 2026 | Bernard Amponsah Mensah
Officer
|
Grant | 190.5K | - |
| Feb 13, 2026 | Lauren A Mogensen
Officer
|
Grant | 112.1K | - |
| Feb 13, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 166.3K | - |
| Feb 13, 2026 | Thong M Nguyen
Officer
|
Grant | 160.8K | - |
| Feb 13, 2026 | Johnbull Okpara
Officer
|
Grant | 29.9K | - |
| Feb 13, 2026 | Thomas M Scrivener
Officer
|
Grant | 101.5K | - |
| Feb 13, 2026 | Bruce R Thompson
Officer
|
Grant | 239.9K | - |
| Feb 4, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 100.0K | - |
| Jan 15, 2026 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Dec 15, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Dec 11, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 130.0K | - |
| Dec 9, 2025 | Geoffrey S Greener
Officer
|
Grant | 9.3K | - |
| Dec 3, 2025 | Thomas M Scrivener
Officer
|
Grant | 3.0K | - |
| Nov 28, 2025 | Johnbull Okpara
Officer
|
Grant | 26.8K | - |
| Nov 14, 2025 | Hari Gopalkrishnan
Chief Technology Officer
|
Grant | 2.7K | - |
| Nov 14, 2025 | Lindsay D Hans
Officer
|
Grant | 975 | - |
| Nov 14, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Nov 14, 2025 | Eric A Schimpf
Officer
|
Grant | 1.2K | - |
| Nov 13, 2025 | Dean C Athanasia
President
|
Grant | 14.7K | - |
| Oct 22, 2025 | Sheri B Bronstein
Officer
|
Grant | 6.0K | - |
| Oct 15, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Sep 15, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Aug 15, 2025 | Hari Gopalkrishnan
Chief Technology Officer
|
Grant | 2.7K | - |
| Aug 15, 2025 | Lindsay D Hans
Officer
|
Grant | 974 | - |
| Aug 15, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Aug 15, 2025 | Eric A Schimpf
Officer
|
Grant | 1.2K | - |
| Aug 8, 2025 | Bruce R Thompson
Officer
|
Grant | 15.0K | - |
| Aug 1, 2025 | James P. Demare
Officer
|
Sell | 148.4K | $6.8M |
| Jul 23, 2025 | Thong M Nguyen
Officer
|
Grant | 248.0K | - |
| Jul 15, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Jun 13, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| Jun 13, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 40.0K | - |
| Jun 5, 2025 | Kathleen A. Knox
Officer
|
Grant | 73.2K | - |
| May 23, 2025 | Thong M Nguyen
Officer
|
Grant | 215.0K | - |
| May 15, 2025 | Lindsay D Hans
President
|
Grant | 975 | - |
| May 15, 2025 | Brian T Moynihan
Chief Executive Officer
|
Grant | 17.9K | - |
| May 15, 2025 | Eric A Schimpf
Officer
|
Grant | 1.2K | - |
| Apr 22, 2025 | Jose E. Almeida
Director
|
Grant | 7.3K | - |
| Apr 22, 2025 | Weck Pierre J P De
Director
|
Grant | 7.3K | - |
| Apr 22, 2025 | Arnold Wayne Donald
Director
|
Grant | 7.3K | - |
| Apr 22, 2025 | Maria N. Martinez
Director
|
Grant | 7.3K | - |
| Apr 22, 2025 | Thomas D Woods
Director
|
Grant | 7.3K | - |
| Apr 22, 2025 | Maria T. Zuber
Director
|
Grant | 7.3K | - |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 17, 2026.