Bank of America (BAC)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-07-07
$59.85-0.08%
Close 2026-07-07 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 13 valuation methods, at three horizons. Current price $59.85. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $60 BAC trades at 1.5× p/b, below its 2.1× p/b peer median. Our $64 fair value sits above the price. It's a high-confidence read. Analysts target $57–$68. Not investment advice.
$57.00 – $68.00 (median $63.00) · 9 analysts · as of 2026-07-07
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Richer than its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $63.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $284.07 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $400.78 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $16.64 | — | — | TTM | high |
| graham number | 12M | $60.70 | — | — | TTM | high |
| Peer P/B | 12M | $85.05 | 2.1 | 40.53 | TTM | high |
| Peer P/FCF | 12M | $103.75 | 13.6 | 7.63 | TTM | high |
| Peer P/E | 12M | $66.86 | 16.5 | 4.04 | TTM | high |
| Peer P/S | 12M | $52.37 | 3.4 | 15.52 | TTM | high |
| PEG | 12M | $116.30 | 28.8 | 4.04 | TTM | high |
| residual income | 12M | $41.60 | — | — | TTM | high |
| Own P/E history | 12M | $53.83 | 13.3 | 4.04 | TTM | high |
| triangulated | 12M | $69.63 | 16.5 | 4.21 | Triangulated | high |
| Peer P/B | 3Y | $91.26 | 2.1 | 43.50 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $157.79 | 13.6 | 11.60 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $93.37 | 16.5 | 5.64 | Analyst | medium |
| Peer P/S | 3Y | $64.66 | 3.4 | 19.16 | Analyst | medium |
| PEG | 3Y | $162.43 | 28.8 | 5.64 | Analyst | medium |
| Own P/E history | 3Y | $75.18 | 13.3 | 5.64 | Analyst | medium |
| Peer P/B | 5Y | $95.65 | 2.1 | 45.59 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $208.68 | 13.6 | 15.34 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $107.14 | 16.5 | 6.47 | Analyst | high |
| Peer P/S | 5Y | $74.19 | 3.4 | 21.99 | Analyst | high |
| PEG | 5Y | $186.37 | 28.8 | 6.47 | Analyst | high |
| Own P/E history | 5Y | $86.26 | 13.3 | 6.47 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.