Research / Stock / BAC

BAC

BANK OF AMERICA CORP /DE/

FY2025Mkt cap 499.9BFinancialDual-class

62.43

+0.10 +0.16%

close 2026-08-25

BAC reports no free cash flow we can read, so this model is discounting net income instead. That is a different model — net income carries non-cash charges and ignores capital spending — and its answer should be read as a rougher one.

Assumptions

FCF growth rate

1.0%

Market is pricing 1.0%— you agree

No trailing FCF growth rate — the series crosses zero or is too short, and a CAGR through a negative is not a number worth printing.

Projection years

10 yrs

Terminal growth

3.00%

Discount rate (WACC)

9.03%

9.0% derived for this company beta 0.96 (1254d vs the S&P 500) · cost of equity 9.0% = 4.7% risk-free + 0.96 × 4.5% premium · treated as all-equity cost of debt not derivable; risk-free + 1.5pts assumed; no market cap; capital structure assumed all-equity

Fair value DCF model

$62.38

-0.1%

At the market's assumptions

Current price $62.43Enterprise value 447.7B

Bear $42.89 (-4.0% growth)Bull $91.31 (6.0%)

market $62.43

Today's market price is inside the range · band = your growth ±5pts, same model · the market itself prices 1.0%

Y10

Present value of each projected year, Y1–Y10

46% the 10 forecast years54% terminal value

Same industry · Banks · trailing P/E for context

JPMP/E 181.02T WFCP/E 14289.0B CP/E 19272.7B COFP/E 54131.6Bthis P/E: 16

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Assumptions

Fair valuei DCF model

Same industryi · Banks · trailing P/E for context

Assumptions

Fair valuei DCF model

Same industryi · Banks · trailing P/E for context

Fair value DCF model

Same industry · Banks · trailing P/E for context

Fair value DCF model

Same industry · Banks · trailing P/E for context