Bank of America Corporation (BAC) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, Bank of America Corporation (NYSE: BAC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $50.01 (-2.21% 1D, market cap $357.61B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, BAC ranks #595 in composite RQD confidence.
Within the Financials sector (Major Banks), BAC carries a Roarable D+ (53/100 RQD), trailing P/E of 11.7x, gross margin of —, and ROIC of 2.5%. By comparison, WFC (Wells Fargo & Company) holds a D grade (50/100 RQD, P/E 11.9x, ROIC 2.7%, cap $254.59B) and C (Citigroup Inc.) posts a D- grade (39/100 RQD, P/E 14.7x, ROIC 1.5%, cap $210.95B). Among the 5-stock peer group, BAC leads on earnings multiple (11.7x) while UBS leads on capital efficiency (9.9% ROIC).
Per BAC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000070858), Bank of America Corporation generated $113.10B in revenue (+6.8% YoY), $30.51B in net income, and $7.52B in free cash flow against $3.41T in total assets and $1.40T in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)
Macro rate sensitivity & RSI-14 (38.3) create a -13 pt regime headwind
While BAC currently carries a cautious 53/100 (D+) rating due to Macro Regime Fit (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Clean SEC annual filing review with no major hidden accounting time-bombs.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($56.00) and Max Pain ($52.51) forces dealer call-delta covering toward $68.49.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Bank of America Corporation (BAC) dropped -2.21% to $50.01, trading at 20% of its 52-week range ($46.12 – $65.23). Stretched risk/reward at 12x P/E (3% return on capital) under elevated 10-year interest-rate pressure.
Morningstar report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
PR Newswire report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
RBC Capital raised its BP price target to 720 GBp from 700 GBp and maintained an ‘Outperform’ rating, according to The Fly.
With stocks at a record share of household wealth, a lasting AI correction has become an economic risk, not just a market one.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BAC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BAC. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Bank of America Corporation (BAC) ranks #595 by composite RQD confidence (53/100, grade D+) and #4 by equity capitalization ($357.61B). Within this direct 5-issuer industry benchmark cohort, BAC leads on earnings valuation at 11.7x trailing P/E, while UBS leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. COF currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with BAC at 53/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BAC
ACTIVE
Bank of America Corporation | D+ | 53/100 | 11.7x | — | 2.5% | -2.21% | $357.61B | Benchmark Subject |
| WFC Wells Fargo & Company | D | 50/100 | 11.9x | — | 2.7% | -1.66% | $254.59B | /wfc-vs-bac → |
| C Citigroup Inc. | D- | 39/100 | 14.7x | — | 1.5% | -2.48% | $210.95B | /c-vs-bac → |
| UBS UBS Group AG Registered | D+ | 58/100 | 32.8x | — | 9.9% | -0.91% | $149.37B | /ubs-vs-bac → |
| COF Capital One Financial Corporation | C+ | 68/100 | 52.2x | — | 0.9% | -1.86% | $128.06B | /cof-vs-bac → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank of America Corporation (BAC) reported GAAP revenue of $113.10B (+6.8% vs. FY2024 revenue of $105.86B , and +10.0% cumulative change since FY2023) , GAAP net income of $30.51B, operating cash flow of $12.61B, and free cash flow of $7.52B (+155.4% YoY). On the balance sheet, BAC closed FY2025 with $3.41T in total assets against $1.40T in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $113.10B | $30.51B | $12.61B | $7.52B | $3.41T | $1.40T |
| FY2024 (FY) | 2024-12-31 | $105.86B | $26.97B | -$8.80B | -$13.57B | $3.26T | $1.34T |
| FY2023 (FY) | 2023-12-31 | $102.77B | $26.30B | $44.98B | $40.36B | $196.69B | $46.02B |
As of 2026-11-02, Bank of America Corporation (NYSE: BAC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $50.01 (-2.21% 1D, market cap $357.61B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, BAC ranks #595 in composite RQD confidence.
Within the Financials sector (Major Banks), BAC carries a Roarable D+ (53/100 RQD), trailing P/E of 11.7x, gross margin of —, and ROIC of 2.5%. By comparison, WFC (Wells Fargo & Company) holds a D grade (50/100 RQD, P/E 11.9x, ROIC 2.7%, cap $254.59B) and C (Citigroup Inc.) posts a D- grade (39/100 RQD, P/E 14.7x, ROIC 1.5%, cap $210.95B). Among the 5-stock peer group, BAC leads on earnings multiple (11.7x) while UBS leads on capital efficiency (9.9% ROIC).
Per BAC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000070858), Bank of America Corporation generated $113.10B in revenue (+6.8% YoY), $30.51B in net income, and $7.52B in free cash flow against $3.41T in total assets and $1.40T in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
BAC last traded at $50.01 (-2.21% on volume of 43,074,670 shares), positioning the stock -10.70% below its 50-day simple moving average ($56.00) and -8.97% below its 200-day simple moving average ($54.94). Across its 52-week range of $46.12 to $65.23, BAC sits at the 20.4% percentile with a 14-day RSI of 38.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($47.86 to $52.16).
Why BAC Stock dropped -2.21% Today — RQD Quant Desk Flash. Stretched risk/reward at 12x P/E (3% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, BAC scores 53 out of 100, a letter grade of D+, with the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 10 out of 20 (ROIC 2.5%; FCF yield 2.1%), Whale 13F Flow at 8 out of 20 (institutional accumulation and options positioning), Insider Conviction at 13 out of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 7 out of 20 (Beta 0.9; sector sensitivity), and Forensic Balance Sheet at 15 out of 20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5).
For a prospective investor, the weakest pillars are the cash engine and macro fit, which together suggest that the return earned on invested capital and the free cash yield are modest relative to the company's size. The balance sheet pillar is the strongest and indicates comparatively solid forensic health. Insider conviction is moderate. Upside drivers within this framework would be a sustained improvement in ROIC or FCF yield; valuation tradeoffs are reflected in the trailing P/E of 11.7 and forward P/E of 10.9 against an EV/EBITDA of 30.2, which the source data does not contextualize further. The rating is an educational summary of the supplied scores, not a recommendation.
Bank of America Corporation is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry, per the profile section. Not available in source data for product detail, customer segments, or revenue mix. The profile identifies the company by sector, industry, exchange, and market capitalization only.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $113097.0M | $36000.6M | $30509.0M | N/A | $7523.6M | N/A | $1398822.8M |
| FY 2024 | $105856.0M | $31828.1M | $26973.0M | N/A | $-13568.5M | N/A | $1335301.2M |
| FY 2023 | $102769.0M | $31039.9M | $26305.0M | N/A | $40357.4M | N/A | $46024.3M |
Per the SEC financials, operating margin is 32.9% and net margin is 27%, with ROIC at 2.5% and FCF yield at 2.1%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 7 out of 9, per the Roarable RQD rating forensic pillar, with Debt/Equity at 0.5. Reported free cash flow swung from $40357.4M in FY 2023 to $-13568.5M in FY 2024 before recovering to $7523.6M in FY 2025. Reported debt rose across the three periods, and cash is listed as N/A in every period.
Per the recent news section, six items reference BAC:
The principal risk item is the regulatory fine coverage flagged RED. Per the Butterfly Supply-Chain Graph, there are no supply-chain links and no proprietary signals.
Real-time company headlines, analyst actions, and sector developments for Bank of America Corporation (BAC) • Click "Debate This Headline" to argue it in the Roar Pit below
Morningstar report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
PR Newswire report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Bank of America Corporation (BAC) market action, institutional positioning, and fundamental catalysts.
Welcome to the BAC (Bank of America Corporation) Roar Pit. Current RQD Composite is 53/100 (Roarable Sell — Weak Fundamentals / Trim) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on BAC, but look at what you are paying: 11.7x trailing P/E with tightening sector spreads. Unless Bank of America Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on BAC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $51.14 (52-wk range $46.12 - $65.23), any beat on forward guidance forces shorts and underweight funds to chase.
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