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BAC

Bank of AmericaC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The settlement charge may prove largely nonrecurring, while 8% year-over-year net interest income growth, wealth fees and $8.3 billion of quarterly shareholder distributions support potential earnings recovery [#SEC-8K-2026-10-14]. Jefferies retained a Buy view and $70 target in post-print coverage, but that is not evidence of a target increase (Jefferies coverage).
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.1.
What can break
Adjusted EPS and revenue missed the consensus figures in the stored Zacks coverage; a one-time-charge explanation does not erase the underlying miss.
Momentum
22
Value
56
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $55.00 · Bull $63.00 · Bear $42.00Analysis 2026-10-19; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-28 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-19 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $62.74
Why
Momentum22 · Δ7d +3.4
Value56 · Δ7d +0.8
Sentiment61 · Δ7d +1.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +1.1.

Contradictions & invalidation

  • • Adjusted EPS and revenue missed the consensus figures in the stored Zacks coverage; a one-time-charge explanation does not erase the underlying miss.
  • • Fixed-income trading declined 17% and total investment-banking fees declined 11% year over year [#SEC-8K-2026-10-14].
  • • Even excluding the charge, adjusted EPS of $1.08 missed the $1.11 Zacks consensus in the packet; fixed-income trading fell 17% and investment-banking fees fell 11% [#SEC-8K-2026-10-14].

Catalyst clock

2026-10-30

Post-print estimate and target revision window

Lead driver: Sentiment · See AI snapshot
Momentum
22
8% active weight
Current posture
7d trendFlat
Δ7d
+3.4
Δ21d
-5.7
Value
56
47% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+3.4
Sentiment
61
45% active weight
Current posture
7d trendImproving
Δ7d
+1.1
Δ21d
-23.9
Why this grade

Composite grade C. Momentum 21.6 / Value 55.9 / Sentiment 61.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-19. Scenario method

B+
Bull case
25%
Probability
Target price
$63.00
Analysis reference price unavailable
Analysis 2026-10-19 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$55.00
Analysis reference price unavailable
Analysis 2026-10-19 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-10-19 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-28
Market Cap
$352.02B
Beta
1.29
Shares Out
6.92B
P/E (TTM)
15.5
P/S (TTM)
3.87
P/FCF (TTM)
7.99
Rev YoY
+0.3%
EPS YoY
+34.3%
Gross Margin
-
Op Margin
+21.3%
Net Debt
$684.61B
Current Ratio
1.03
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data