Bank of America (BAC)
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-04
$62.68-0.57%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - DiversifiedSnapshot 2026-09-04
QuarterlyIQ Insights · BAC
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 12 valuation methods, at three horizons. As of 2026-09-04. 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.
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 $63 BAC trades at 1.5× p/b, in line with its 1.3× p/b peer median, and our $59 fair value agrees. It's a high-confidence read. Analysts target $62–$75. Note: our $59 fair value sits below the entire analyst range ($62–$75). Even valued only for durable growth at sustainable margins, it's worth about $71 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
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).
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 | $67.00 | — | — | Analyst | high |
| dcf fcff | 12M | $577.71 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $16.85 | — | — | TTM | high |
| graham number | 12M | $63.64 | — | — | TTM | high |
| Peer P/B | 12M |
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.
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.
$62.00 – $75.00 (median $67.00) · 12 analysts · as of 2026-08-03
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 more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $55.34 |
| 1.3 |
| 41.28 |
| TTM |
| high |
| Peer P/FCF | 12M | $143.68 | 11.1 | 12.99 | TTM | high |
| Peer P/E | 12M | $56.43 | 11.2 | 5.06 | ntm analyst | high |
| Peer P/S | 12M | $47.04 | 2.9 | 16.35 | TTM | high |
| PEG | 12M | $124.04 | 28.4 | 4.36 | TTM | high |
| residual income | 12M | $43.23 | — | — | TTM | high |
| Own P/E history | 12M | $61.03 | 14.0 | 4.36 | TTM | high |
| triangulated | 12M | $55.49 | 12.4 | 4.47 | Triangulated | high |
| Peer P/B | 3Y | $58.81 | 1.3 | 43.87 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $218.52 | 11.1 | 19.75 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $66.06 | 11.2 | 5.92 | Analyst | medium |
| Peer P/S | 3Y | $57.98 | 2.9 | 20.15 | Analyst | medium |
| PEG | 3Y | $168.54 | 28.4 | 5.92 | Analyst | medium |
| Own P/E history | 3Y | $82.93 | 14.0 | 5.92 | Analyst | medium |
| Peer P/B | 5Y | $61.24 | 1.3 | 45.68 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $289.00 | 11.1 | 26.12 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $75.69 | 11.2 | 6.79 | Analyst | high |
| Peer P/S | 5Y | $66.43 | 2.9 | 23.08 | Analyst | high |
| PEG | 5Y | $193.10 | 28.4 | 6.79 | Analyst | high |
| Own P/E history | 5Y | $95.02 | 14.0 | 6.79 | Analyst | high |