BAC
BAC — Financial Services
Graham: 54
Buffett: 24
Lynch: 81
Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. The company operates through four segments: Consumer Banking, Global Wealth &...
Price ?
54.45
Market Cap ?
397.6B
P/E ?
14.29
P/B ?
1.42
Div Yield ?
1.98%
52W Range ?
33.07 - 57.55
200W MA ?
36.87
54
Graham-style buying rate (0-100)
Criteria breakdown
- ✓ Company size sufficient (large-cap) ? $397,620,903,936 — Uses market cap >= $2B as proxy
- ? Solid financial condition (CR>=2; LT debt <= NCAV) ? — Partial: checks current ratio; LT debt vs NCAV unavailable
- ✗ Uninterrupted dividends for 20 years ?
- ✓ No losses in last 10 years ? 10y window — Positive earnings for last 14y
- ✓ EPS growth >= 33% over 10 years ? ~145%
- ✓ Price-to-Book (P/B) <= 1.5 ? 1.42
- ✓ Price-to-Earnings (P/E) <= 15 ? 14.3 — Uses trailing P/E as proxy for 3y avg EPS
- ✓ Combined formula (P/E * P/B) <= 22.5 ? 20.2
- ✗ Margin of safety >= 20% ? -13% — Intrinsic = EPS * 15
- ? High ROE maintained without excessive debt ? ROE=10.2% | D/E=? — Approximate threshold ROE = 15%, D/E = 1.0
What is evaluated (Graham):
- Valuation discipline and buying below intrinsic value.
- Financial resilience: liquidity and prudent leverage.
- Consistent dividends and earnings over long horizons.
"The intelligent investor is a realist who sells to optimists and buys from pessimists." — Benjamin Graham
24
Buffett-style buying rate (0-100)
Criteria breakdown
- ? Positive and growing FCF (multi-year) ? — Insufficient history
- ? ROIC >= 12% sustained ? — Data not available
- ✗ High ROE (proxy for durable advantages) ? 10.2% — Consistency over years not checked
- ✓ Net profit margin >= 10% ? 28.4% — Derived from available financial filings
- ? Conservative leverage (D/E <= 1.0) ? — No D/E data
- ✓ Sustainable shareholder returns (dividend > 0%) ? 1.98% — Does not assess buybacks or payout safety
What is evaluated (Buffett):
- Durable advantages: high ROE, healthy margins.
- Balance discipline and shareholder friendly capital use.
- Positive free cash flow and efficient reinvestment.
"It is far better to buy a wonderful company at a fair price than a fair company at a wonderful price." — Warren Buffett
81
Lynch-style buying rate (0-100)
Criteria breakdown
- ✓ PEG ratio (P/E / growth) <= 1.0 ? 0.99
- ✓ Positive multi-year EPS growth (per-year >= 10%) ? ~14.5%/yr
- ? Conservative leverage (D/E <= 0.5) ? — No D/E data
- ✓ Sustainable profitability (net margin >= 5%) ? 28.4%
- ✓ Earnings stability (no losses in 10y) ? 10y window
What is evaluated (Lynch):
- Growth at a reasonable price (PEG and EPS CAGR).
- Durable earnings with limited drawdowns.
- Conservative balance sheet and baseline profitability.
"Know what you own, and know why you own it." — Peter Lynch