Bank of America Corporation (BAC) — RQD Stock Rating Cockpit

$50.01 -2.21% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.72

Bank of America Corporation (BAC) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $357.61B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BAC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Bank of America Corporation (NYSE: BAC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $50.01 (-2.21% 1D, market cap $357.61B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, BAC ranks #595 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BAC compare to WFC and C in the Financials sector?
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Within the Financials sector (Major Banks), BAC carries a Roarable D+ (53/100 RQD), trailing P/E of 11.7x, gross margin of —, and ROIC of 2.5%. By comparison, WFC (Wells Fargo & Company) holds a D grade (50/100 RQD, P/E 11.9x, ROIC 2.7%, cap $254.59B) and C (Citigroup Inc.) posts a D- grade (39/100 RQD, P/E 14.7x, ROIC 1.5%, cap $210.95B). Among the 5-stock peer group, BAC leads on earnings multiple (11.7x) while UBS leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BAC?
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Per BAC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000070858), Bank of America Corporation generated $113.10B in revenue (+6.8% YoY), $30.51B in net income, and $7.52B in free cash flow against $3.41T in total assets and $1.40T in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $49.71 (-0.59%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 6.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 53/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.9% avg 90D alpha vs SPY • 50.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510053
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+
Cash (10)Whales (8)SEC (15)Macro (7)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-2.3% Base Target
$68 Bull$49 Base$38 Bear
📬 FREE BAC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BAC)Realized 20D OHLCV Swing Band: ±4.3%
Deterministic 5-Pillar Attribution (53/100 Composite)
🔍 WHY BAC SCORES 53/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit7/20 pts (-13 pt drag)

Macro rate sensitivity & RSI-14 (38.3) create a -13 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$53.96-6.2% Next Q
Q2 (-2Q)
58
Grade C$50.64+0.1% Next Q
Q3 (-1Q)
56
Grade C$50.68-1.3% Next Q
Current
53
Grade D+$50.01-0.9% Hist 90D α
Trajectory: C (61) → D+ (53)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BAC Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BAC currently carries a cautious 53/100 (D+) rating due to Macro Regime Fit (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($56.00) and Max Pain ($52.51) forces dealer call-delta covering toward $68.49.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BAC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BAC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
RSI-14 MOMENTUMNEUTRAL RANGE
38.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE20% OF RANGE
L: $46$50.01H: $65
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 22 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on BAC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (50)

2.5% ROIC with 42.0% gross margin and 2.10% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (47)

21/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like BAC
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BAC)

  • ✓Walkthrough of BAC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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BAC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.18%🛡️ HOLDING TREND SUPPORT
2026-11-02O $50.85H $51.14L $50.01C $50.01VOL 32.44M
RES: $67.88SUP: $49.25SMA50: $56.00SMA200: $54.94
$66.35$61.72$57.09$52.45$47.82RES $67.88SUP $49.25$50.012026-05-042026-06-172026-08-042026-09-182026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BAC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
2.0%/yr Implied 5Y Growth

vs. +6.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BAC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BAC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BAC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BAC)

Financials Rank #595 of 1096 ⚔️ WFC vs BAC Full Matrix →

1. Head-to-Head Financials Peer Comparison (BAC vs. WFC, C, UBS, COF)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Bank of America Corporation (BAC) ranks #595 by composite RQD confidence (53/100, grade D+) and #4 by equity capitalization ($357.61B). Within this direct 5-issuer industry benchmark cohort, BAC leads on earnings valuation at 11.7x trailing P/E, while UBS leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. COF currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with BAC at 53/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BAC ACTIVE
Bank of America Corporation
D+ 53/100 11.7x — 2.5% -2.21% $357.61B Benchmark Subject
WFC
Wells Fargo & Company
D 50/100 11.9x — 2.7% -1.66% $254.59B /wfc-vs-bac →
C
Citigroup Inc.
D- 39/100 14.7x — 1.5% -2.48% $210.95B /c-vs-bac →
UBS
UBS Group AG Registered
D+ 58/100 32.8x — 9.9% -0.91% $149.37B /ubs-vs-bac →
COF
Capital One Financial Corporation
C+ 68/100 52.2x — 0.9% -1.86% $128.06B /cof-vs-bac →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000070858

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bank of America Corporation (BAC) reported GAAP revenue of $113.10B (+6.8% vs. FY2024 revenue of $105.86B , and +10.0% cumulative change since FY2023) , GAAP net income of $30.51B, operating cash flow of $12.61B, and free cash flow of $7.52B (+155.4% YoY). On the balance sheet, BAC closed FY2025 with $3.41T in total assets against $1.40T in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $113.10B $30.51B $12.61B $7.52B $3.41T $1.40T
FY2024 (FY) 2024-12-31 $105.86B $26.97B -$8.80B -$13.57B $3.26T $1.34T
FY2023 (FY) 2023-12-31 $102.77B $26.30B $44.98B $40.36B $196.69B $46.02B

3. BAC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BAC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Bank of America Corporation (NYSE: BAC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $50.01 (-2.21% 1D, market cap $357.61B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, BAC ranks #595 in composite RQD confidence.

How does BAC compare to WFC and C in the Financials sector?

Within the Financials sector (Major Banks), BAC carries a Roarable D+ (53/100 RQD), trailing P/E of 11.7x, gross margin of —, and ROIC of 2.5%. By comparison, WFC (Wells Fargo & Company) holds a D grade (50/100 RQD, P/E 11.9x, ROIC 2.7%, cap $254.59B) and C (Citigroup Inc.) posts a D- grade (39/100 RQD, P/E 14.7x, ROIC 1.5%, cap $210.95B). Among the 5-stock peer group, BAC leads on earnings multiple (11.7x) while UBS leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BAC?

Per BAC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000070858), Bank of America Corporation generated $113.10B in revenue (+6.8% YoY), $30.51B in net income, and $7.52B in free cash flow against $3.41T in total assets and $1.40T in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BAC trading relative to its 50-day, 200-day, and 52-week technical levels?

BAC last traded at $50.01 (-2.21% on volume of 43,074,670 shares), positioning the stock -10.70% below its 50-day simple moving average ($56.00) and -8.97% below its 200-day simple moving average ($54.94). Across its 52-week range of $46.12 to $65.23, BAC sits at the 20.4% percentile with a 14-day RSI of 38.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($47.86 to $52.16).

BAC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BAC stock right now?

Bank of America Corporation (BAC) currently earns a Roarable Rating of D+ (Sell — SELL) with 53/100 RQD Confidence. Stretched risk/reward at 12x P/E (3% return on capital) under elevated 10-year interest-rate pressure.

What is BAC's 12-month price target and RQD AI Jury consensus?

BAC's 12-month base price target is $48.88 (range $38.13 to $68.49), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 53/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BAC — Bank of America Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:08:48Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BAC scores 53 out of 100, a letter grade of D+, with the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 10 out of 20 (ROIC 2.5%; FCF yield 2.1%), Whale 13F Flow at 8 out of 20 (institutional accumulation and options positioning), Insider Conviction at 13 out of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 7 out of 20 (Beta 0.9; sector sensitivity), and Forensic Balance Sheet at 15 out of 20 (Altman Z 2.5; Piotroski F 7/9; Debt/Equity 0.5).

For a prospective investor, the weakest pillars are the cash engine and macro fit, which together suggest that the return earned on invested capital and the free cash yield are modest relative to the company's size. The balance sheet pillar is the strongest and indicates comparatively solid forensic health. Insider conviction is moderate. Upside drivers within this framework would be a sustained improvement in ROIC or FCF yield; valuation tradeoffs are reflected in the trailing P/E of 11.7 and forward P/E of 10.9 against an EV/EBITDA of 30.2, which the source data does not contextualize further. The rating is an educational summary of the supplied scores, not a recommendation.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
51.14$357.61B11.710.930.24.360%0.9$46.12 - $65.232.5%

Business

Bank of America Corporation is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry, per the profile section. Not available in source data for product detail, customer segments, or revenue mix. The profile identifies the company by sector, industry, exchange, and market capitalization only.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$113097.0M$36000.6M$30509.0MN/A$7523.6MN/A$1398822.8M
FY 2024$105856.0M$31828.1M$26973.0MN/A$-13568.5MN/A$1335301.2M
FY 2023$102769.0M$31039.9M$26305.0MN/A$40357.4MN/A$46024.3M

Per the SEC financials, operating margin is 32.9% and net margin is 27%, with ROIC at 2.5% and FCF yield at 2.1%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 7 out of 9, per the Roarable RQD rating forensic pillar, with Debt/Equity at 0.5. Reported free cash flow swung from $40357.4M in FY 2023 to $-13568.5M in FY 2024 before recovering to $7523.6M in FY 2025. Reported debt rose across the three periods, and cash is listed as N/A in every period.

Recent Catalysts & News Wire Analysis

Per the recent news section, six items reference BAC:

  • A Morningstar piece headlined around a market overreaction to a regulatory fine (YELLOW, MARKET WIRE).
  • A Seeking Alpha piece on shares slumping after a large fine (RED, RISK WATCH).
  • A Yahoo Finance piece on CashPro and earnings durability (YELLOW, MARKET WIRE).
  • A PR Newswire announcement declaring fourth quarter 2026 stock dividends (YELLOW, MARKET WIRE).
  • A Benzinga report on shares rising nearly 4% after a trading signal (YELLOW, MARKET WIRE).
  • A Yahoo Finance report on the addition of two directors to the board (YELLOW, MARKET WIRE).

The principal risk item is the regulatory fine coverage flagged RED. Per the Butterfly Supply-Chain Graph, there are no supply-chain links and no proprietary signals.

Open Questions

  • What is the size and nature of the regulatory fine referenced in the news flow, and how does it affect reported earnings?
  • Why is reported cash listed as N/A across all periods, and what is the company's cash and liquidity position?
  • What drove the swing in FY 2024 free cash flow to a negative value, and was it recurring?
  • What are the consensus analyst rating and price targets, which are absent from the source data?
  • What do 13F institutional holdings and insider Form 4 filings show, since the holders section is empty?

BAC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Bank of America Corporation (BAC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BAC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BAC Bull vs. Bear Conversation Board — What's Your Call at $50.01?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BAC 🐻 50% BEARISH CONVICTION
1. Pick Your Side on BAC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $55.23 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BAC (D+ • RQD 53/100) a Buy at $51.14?

Welcome to the BAC (Bank of America Corporation) Roar Pit. Current RQD Composite is 53/100 (Roarable Sell — Weak Fundamentals / Trim) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $38.87 (-24.0%)
Spot @ $51.14

Pump the brakes on BAC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BAC, but look at what you are paying: 11.7x trailing P/E with tightening sector spreads. Unless Bank of America Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $64.95 (+27.0%)
Spot @ $51.14

BAC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BAC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $51.14 (52-wk range $46.12 - $65.23), any beat on forward guidance forces shorts and underweight funds to chase.

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