BAC Bank of America Corporation

Financial Services

Price

$63.93

Intrinsic value

$43.52

Buy price

$34.81

Discount

-46.9%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $56,567,000,000.00
Total debt: $788,985,020,416.00
Cash & STI: $868,142,022,656.00
Shares out.: 7,294,200,000

Overvalued

Intrinsic value$43.57

Buy price (with MOS)$34.86

Current price$63.93

Discount to intrinsic value-46.7%

7-step quality scorecard

ROE quality

LOW

Average ROE: 9.6%
Current ROE: 10.1%
Minimum ROE: 9.0%

Debt quality

LEVERAGED

Debt / Equity: 2.60x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 1.76x

Technical chart

Confluence: NONE (0/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: revenueCAGR
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 169.5%
Public economic interest: 100.0%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.