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Market Price

39.99 

0.29 0.7%

as of Apr 09 '21

52 Week Range:

20.10 40.28


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2020, it served approximately 66 million consumer and small business clients with approximately 4,300 retail financial centers; approximately 17,000 ATMs; and digital banking platforms with approximately 39 million active users. The company was founded in 1784 and is headquartered in Charlotte, North Carolina.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 20.99
20.01
20.24
20.67
20.99
22.51
24.36
24.32
24.80
27.70
28.37
growth rate -4.7% 1.2% 2.1% 1.6% 7.2% 8.2% -0.2% 2.0% 11.7% 2.4%
Earnings BIT -1,320.00
-230.00
3,070.00
16,170.00
17,818.00
31,875.00
33,967.00
40,194.00
73,905.00
71,514.00
66,752.00
growth rate 0.0% 100.0% 426.7% 10.2% 78.9% 6.6% 18.3% 83.9% -3.2% -6.7%
Avg.PE -39.80
666.67
45.66
17.76
43.92
9.69
16.15
20.74
11.33
12.14
16.87
growth rate 100.0% -93.2% -61.1% 147.3% -77.9% 66.7% 28.4% -45.4% 7.2% 39.0%
ROA -0.16
0.00
0.13
0.47
0.18
0.68
0.75
0.74
1.15
1.09
0.63
growth rate 0.0% 261.5% -61.7% 277.8% 10.3% -1.3% 55.4% -5.2% -42.2%
ROE -1.77
0.04
1.28
4.61
1.71
6.29
6.82
6.83
10.95
10.73
6.73
growth rate 100.0% 3,100.0% 260.2% -62.9% 267.8% 8.4% 0.2% 60.3% -2.0% -37.3%
ROIC 1.69
2.11
2.35
3.67
2.27
growth rate 24.9% 11.4% 56.2% -38.2%
Leverage 10.70
10.06
10.13
9.58
9.39
9.17
9.05
9.32
9.69
10.08
11.35
growth rate -6.0% 0.7% -5.4% -2.0% -2.3% -1.3% 3.0% 4.0% 4.0% 12.6%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 66,999.00
71,467.00
59,448.00
61,845.00
58,312.00
58,759.00
61,623.00
65,814.00
55,937.00
64,221.00
growth rate 6.7% -16.8% 4.0% -5.7% 0.8% 4.9% 6.8% -15.0% 14.8%
Acct.Payable 123,049.00
148,579.00
135,662.00
1,118,936.00
1,197,259.00
1,260,934.00
1,309,545.00
1,381,476.00
1,434,803.00
1,795,480.00
growth rate 20.8% -8.7% 724.8% 7.0% 5.3% 3.9% 5.5% 3.9% 25.1%
Cur.Assets 657,700.00
652,320.00
657,416.00
701,743.00
780,583.00
777,955.00
1,009,128.00
growth rate -0.8% 0.8% 6.7% 11.2% -0.3% 29.7%
Total Assets 2,264,909.00
2,129,046.00
2,209,974.00
2,102,273.00
2,104,539.00
2,144,287.00
2,188,067.00
2,281,234.00
2,354,507.00
2,434,079.00
2,819,627.00
growth rate -6.0% 3.8% -4.9% 0.1% 1.9% 2.0% 4.3% 3.2% 3.4% 15.8%
Cash 108,427.00
838,024.00
626,626.00
577,793.00
138,589.00
159,353.00
147,738.00
138,634.00
156,526.00
137,160.00
373,463.00
growth rate 672.9% -25.2% -7.8% -76.0% 15.0% -7.3% -6.2% 12.9% -12.4% 172.3%
Inventory 630.00
459.00
377.00
236.00
300.00
285.00
164.00
growth rate -27.1% -17.9% -37.4% 27.1% -5.0% -42.5%
Cur.Liabilities 1,602,010.00
1,636,084.00
1,699,121.00
1,781,583.00
1,854,739.00
1,908,419.00
2,284,457.00
growth rate 2.1% 3.9% 4.9% 4.1% 2.9% 19.7%
Liabilities 2,036,661.00
1,898,945.00
1,973,018.00
1,869,588.00
1,861,063.00
1,888,111.00
1,921,872.00
2,014,088.00
2,089,182.00
2,169,269.00
2,546,703.00
growth rate -6.8% 3.9% -5.2% -0.5% 1.5% 1.8% 4.8% 3.7% 3.8% 17.4%
LT Debt 2,010.00
120,028.00
119,603.00
120,876.00
243,139.00
236,764.00
216,823.00
227,402.00
229,392.00
240,856.00
242,582.00
growth rate 5,871.5% -0.4% 1.1% 101.2% -2.6% -8.4% 4.9% 0.9% 5.0% 0.7%
Equity 228,248.00
230,101.00
236,956.00
232,685.00
224,167.00
233,903.00
240,975.00
244,823.00
242,999.00
241,409.00
248,414.00
growth rate 0.8% 3.0% -1.8% -3.7% 4.3% 3.0% 1.6% -0.8% -0.7% 2.9%
Common Shares 9,790.00
10,255.00
10,841.00
11,491.00
10,585.00
11,236.00
11,046.00
10,778.00
10,236.00
9,442.00
8,796.00
growth rate 4.8% 5.7% 6.0% -7.9% 6.2% -1.7% -2.4% -5.0% -7.8% -6.8%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures -2,120.00
1,307.00
-5.00
521.00
1,160.00
growth rate 100.0% -100.0% 100.0% 122.7%
Cash Dividends 1,762.00
1,738.00
1,909.00
1,677.00
2,306.00
3,574.00
4,194.00
5,700.00
6,895.00
5,934.00
7,727.00
growth rate -1.4% 9.8% -12.2% 37.5% 55.0% 17.4% 35.9% 21.0% -13.9% 30.2%
Cash From OA 82,541.00
64,448.00
-13,858.00
92,817.00
30,795.00
28,397.00
17,277.00
9,864.00
39,520.00
61,777.00
37,993.00
growth rate -21.9% -100.0% 100.0% -66.8% -7.8% -39.2% -42.9% 300.7% 56.3% -38.5%
FCF per Share 8.34
4.34
-1.28
4.99
3.54
1.57
2.86
0.83
4.51
-1.16
4.79
growth rate -48.0% -100.0% 100.0% -29.1% -55.7% 82.2% -71.0% 443.4% -100.0% 100.0%
Sale Purchase of Stock 5,000.00
667.00
-8,673.00
4,282.00
590.00
-2,165.00
-12,814.00
growth rate -86.7% -100.0% 100.0% -86.2% -100.0% 0.0%
FCF 81,607.00
63,183.00
-13,858.00
92,296.00
25,579.00
27,730.00
18,306.00
10,403.00
39,520.00
61,777.00
37,993.00
growth rate -22.6% -100.0% 100.0% -72.3% 8.4% -34.0% -43.2% 279.9% 56.3% -38.5%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 110,220.00
115,074.00
100,078.00
101,697.00
83,619.00
79,804.00
80,104.00
83,730.00
87,738.00
85,582.00
74,208.00
growth rate 4.4% -13.0% 1.6% -17.8% -4.6% 0.4% 4.5% 4.8% -2.5% -13.3%
Op.Income -1,323.00
8,806.00
6,258.00
14,332.00
8,899.00
22,187.00
25,021.00
29,213.00
34,584.00
32,754.00
18,995.00
growth rate 100.0% -28.9% 129.0% -37.9% 149.3% 12.8% 16.8% 18.4% -5.3% -42.0%
IBT -1,323.00
-230.00
3,072.00
16,172.00
7,963.00
22,187.00
25,021.00
29,213.00
34,584.00
32,754.00
18,995.00
growth rate 0.0% 100.0% 426.4% -50.8% 178.6% 12.8% 16.8% 18.4% -5.3% -42.0%
Net Income -2,238.00
8,806.00
6,258.00
14,332.00
5,520.00
15,910.00
17,822.00
18,232.00
28,147.00
27,430.00
17,894.00
growth rate 100.0% -28.9% 129.0% -61.5% 188.2% 12.0% 2.3% 54.4% -2.6% -34.8%
EPS -0.37
0.01
0.25
0.90
0.42
1.31
1.49
1.56
2.61
2.75
1.87
growth rate 100.0% 2,400.0% 260.0% -53.3% 211.9% 13.7% 4.7% 67.3% 5.4% -32.0%
Gross Profit 83,619.00
79,804.00
80,104.00
83,730.00
87,738.00
85,582.00
74,208.00
growth rate -4.6% 0.4% 4.5% 4.8% -2.5% -13.3%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 16,271.00
19,003.00
18,313.00
15,781.00
13,655.00
growth rate 16.8% -3.6% -13.8% -13.5%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 55,937.00
69,238.00
55,392.00
61,684.00
64,221.00
growth rate 23.8% -20.0% 11.4% 4.1%
Acct.Payable 1,434,803.00
1,583,325.00
1,718,666.00
1,702,880.00
1,795,480.00
growth rate 10.4% 8.6% -0.9% 5.4%
Cur.Assets 170,718.00
892,994.00
1,079,987.00
998,504.00
1,009,128.00
growth rate 423.1% 20.9% -7.5% 1.1%
Total Assets 2,434,079.00
2,619,954.00
2,741,688.00
2,738,452.00
2,819,627.00
growth rate 7.6% 4.7% -0.1% 3.0%
Cash 137,160.00
250,390.00
282,546.00
294,506.00
373,463.00
growth rate 82.6% 12.8% 4.2% 26.8%
Inventory 285.00
275.00
169.00
135.00
164.00
growth rate -3.5% -38.6% -20.1% 21.5%
Cur.Liabilities 24,204.00
2,098,324.00
2,214,365.00
2,205,592.00
2,284,457.00
growth rate 8,569.3% 5.5% -0.4% 3.6%
Liabilities 2,169,269.00
2,355,036.00
2,476,051.00
2,469,602.00
2,546,703.00
growth rate 8.6% 5.1% -0.3% 3.1%
LT Debt 216,705.00
256,712.00
248,154.00
250,261.00
242,582.00
growth rate 18.5% -3.3% 0.9% -3.1%
Equity 264,810.00
241,491.00
242,210.00
245,423.00
248,414.00
growth rate -8.8% 0.3% 1.3% 1.2%
Common Shares 8,836.15
85,745.00
85,794.00
85,954.00
85,982.00
growth rate 870.4% 0.1% 0.2% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures
growth rate
Cash Dividends -1,848.00
2,083.00
1,833.00
1,983.00
1,828.00
growth rate 100.0% -12.0% 8.2% -7.8%
Cash From OA 59,103.00
19,043.00
-3,006.00
-32,638.00
54,594.00
growth rate -67.8% -100.0% 0.0% 100.0%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 22,349.00
18,006.00
17,209.00
18,947.00
20,046.00
growth rate -19.4% -4.4% 10.1% 5.8%
Op.Income 16,271.00
4,531.00
3,799.00
4,546.00
6,119.00
growth rate -72.2% -16.2% 19.7% 34.6%
IBT 8,169.00
4,531.00
3,799.00
4,546.00
6,119.00
growth rate -44.5% -16.2% 19.7% 34.6%
Net Income 6,994.00
4,010.00
3,533.00
4,881.00
5,470.00
growth rate -42.7% -11.9% 38.2% 12.1%
EPS
growth rate
Gross Profit 22,349.00
18,006.00
17,209.00
18,947.00
20,046.00
growth rate -19.4% -4.4% 10.1% 5.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (8.17)

YOY Growth Grade:

F (5.81)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 21.39 21.39 13.51
EPS / Growth 23.5% 1.87 1.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.1% 1.1% 1.1%
Future PE 2.22 12.38 12.38
Future EPS 2.09 2.09 2.09
Value Price
MOS %
1.15
-97.1%
6.40
-84.0%
6.40
-84.0%
MOS Price 0.57 3.20 3.20
IRT 19.10 19.09 19.09

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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