BAC
Bank of AmericaNYSEFinancialsBanks - DiversifiedSnapshot 2026-05-08
As of May 8, 2026, BAC has a composite score of 18.1 and a signal label of "mild favorable." The valuation label has changed from "fair" to "inexpensive," indicating a shift in perceived value. Key drivers include macroeconomic factors such as rates, growth, labor, and inflation. The analysis is provisional.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)0.08
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $1.08 → $1.09 (+1.3% / 30d). 8 raised, 5 cut, 15 covering analysts.
0 upgrades, 0 downgrades / 30d, 6 maintained. 88% of analysts rate Buy.
3 PT revisions / 30d. Avg target 11.3% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Increase net income and EPSgrowthbehind0% progress
4/15: “CEO: 'Net income of $8.6 billion reflected the team’s disciplined execution.'”
Why this status
Stated in 3 of last 3 quarters. Net income increased to $8.6 billion in 2026-Q1, with EPS reaching $1.11, up 25% year-over-year. The trajectory shows delivering on growth through disciplined execution and revenue increases.
- 2.Enhance digital banking capabilitiesproductwatchprovisional
4/15: “CFO: '50 million active digital banking users, up 1 million.'”
Why this status
Stated in 2 of last 2 quarters. Active digital banking users increased from 49 million in 2025-Q4 to 50 million in 2026-Q1. The focus on digital expansion is delivering increased customer engagement.
- 3.Maintain strong capital returns to shareholderscapital allocationmixed35% progress
4/15: “CFO: 'Returned $9.3 billion to shareholders through dividends and share repurchases.'”
Why this status
Stated in 2 of last 2 quarters. Capital returns to shareholders increased from $8.5 billion in 2025-Q4 to $9.3 billion in 2026-Q1. The company is delivering on its commitment to strong shareholder returns.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 22%; 252d 22%.
Drawdown — Max 1y −18%. Bad day move −2%.
Beta to sector ETF (XLF) — 1.18 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 64/100, drawdown 64/100, beta 82/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- label change · valuation_labelseverity 20
Valuation label changed from 'fair' to 'inexpensive'.
As of May 8, 2026, the valuation label for BAC changed from "fair" to "inexpensive." This reflects a significant label change. Additionally, the forward view indicates an unfavorable scenario with a composite delta estimate of -8.0 if next-quarter guidance is cut, and several favorable scenarios, including a composite delta estimate of 6.57 if rates reverse from negative to positive. The overall confidence level remains medium.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Increase net income and EPS
GrowthFocus on increasing net income and earnings per share through disciplined execution and revenue growth.
BehindStated in 3 of last 3 quarters. Net income increased to $8.6 billion in 2026-Q1, with EPS reaching $1.11, up 25% year-over-year. The trajectory shows delivering on growth through disciplined execution and revenue increases.
0%CEO/CFO:“CEO: 'Net income of $8.6 billion reflected the team’s disciplined execution.'”Press releaseSource dated 2026-04-15Stated 3 of last 8 quartersFirst seen 2026-04-15Show history (3)
- 2026-Q1Press release
“CEO: 'Net income of $8.6 billion reflected the team’s disciplined execution.'”
- 2025-Q4Earnings call
“CEO: 'Net income increased to $7.6 billion, driven by strong revenue growth.'”
- 2025-Q3Earnings call
“CEO: 'Net income of $8.5 billion, up 15% year-over-year.'”
- #2
Enhance digital banking capabilities
ProductContinue to expand and improve digital banking services to increase customer engagement and operational efficiency.
WatchStated in 2 of last 2 quarters. Active digital banking users increased from 49 million in 2025-Q4 to 50 million in 2026-Q1. The focus on digital expansion is delivering increased customer engagement.
No scoreCEO/CFO:“CFO: '50 million active digital banking users, up 1 million.'”Press releaseSource dated 2026-04-15Stated 2 of last 8 quartersFirst seen 2026-04-15provisionalShow history (2)
- 2026-Q1Press release
“CFO: '50 million active digital banking users, up 1 million.'”
- 2025-Q4Earnings call
“CFO: 'Digital engagement continues to grow with 49 million active users.'”
- #3
Maintain strong capital returns to shareholders
Capital allocationCommit to returning capital to shareholders through dividends and share repurchases.
MixedStated in 2 of last 2 quarters. Capital returns to shareholders increased from $8.5 billion in 2025-Q4 to $9.3 billion in 2026-Q1. The company is delivering on its commitment to strong shareholder returns.
35%CEO/CFO:“CFO: 'Returned $9.3 billion to shareholders through dividends and share repurchases.'”Press releaseSource dated 2026-04-15Stated 2 of last 8 quartersFirst seen 2026-04-15Show history (2)
- 2026-Q1Press release
“CFO: 'Returned $9.3 billion to shareholders through dividends and share repurchases.'”
- 2025-Q4Earnings call
“CFO: 'We returned $8.5 billion to shareholders this quarter.'”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Cheaper than its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
BAC Bank of America | +18 | inexpensive | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-04-15)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-04-15)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-1523d agoItem 2.02
RESULTS OF OPERATIONS AND FINANCIAL CONDITION. On April 15, 2026 , Bank of America Corporation (the “Corporation”) announced financial results for the first quarter ended March 31, 2026, reporting first quarter net income of $8.6 billion, or $1.11 per diluted share. A copy of the press release announcing the Corporation’s results for the first quarter ended March 31, 2026 (the “Press Release”) is attached hereto as Exhibit 99.1 and is incorporated by reference in this
earnings preannouncementneutralscore 38
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.