Bank of America Corporation PFD SER B 7%

BACRP

Bank of America Corp. is a bank and financial holding company, which engages in the provision of banking and nonbank financial services. It operates through the following segments: Consumer Banking, Global Wealth and Investment Management (GWIM), Global Banking, Global Markets, and All Other. The Consumer Banking segment offers credit, banking, and investment products and services to consumers and small businesses. The GWIM segment offers solutions to meet clients’ needs through a full set of investment management, brokerage, banking, and retirement products. The Global Banking segment deals with lending-related products and services, integrated working capital management and treasury solutions to clients, and underwriting and advisory services. The Global Markets segment includes sales and trading services, as well as research, to institutional clients across fixed-income, credit, currency, commodity, and equity businesses. The All Other segment consists of asset and liability management activities, equity investments, non-core mortgage loans and servicing activities, the net impact of periodic revisions to the mortgage servicing rights (MSR) valuation model for both core and non-core MSRs, other liquidating businesses, residual expense allocations and other. The company was founded by Amadeo Peter Giannini in 1904 and is headquartered in Charlotte, NC.

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

20.53%

Operating Income = $9.62B

Revenue = $46.88B

Pre-tax Profit Margini

20.53%

Income Before Tax = $9.62B

Revenue = $46.88B

Net Profit Margini

16.31%

Net Income = $7.65B

Revenue = $46.88B

Tax Metrics

Effective Tax Ratei

20.53%

Income Tax Expense = $1.98B

Income Before Tax = $9.62B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $34.88B

Financial Sector PPNR Metrics

PPNRi

$10.93B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $15.75B | non interest income: $12.62B | non interest expense: $17.44B

PPNR Margini

23.32%

PPNR = $10.93B

Revenue = $46.88B

PPNR / Avg Assetsi

0.33%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $10.93B | avg total assets: $3335.96B

Cost Efficiency Metrics

Efficiency Ratioi

37.20%

Non-Interest Expense = $17.44B

Revenue = $46.88B

Cost-to-Incomei

37.20%

Operating Expenses = $17.44B

Revenue = $46.88B

Cost-to-Assetsi

0.52%

Operating Expenses = $17.44B

Avg Total Assets = $3335.96B

Operating Leverage Metrics

Operating JAWSi

-4.06%

Revenue Growth = -0.19%

Expense Growth = 3.87%

Operating Margin Expansioni

5.39pp

Current Operating Margin = 20.53%

Prior Operating Margin = 15.13%

Earnings Quality Metrics

Earnings Qualityi

-3.00x

Operating Cash Flow = $-22.95B

Net Income = $7.65B

Accruals / Avg Assetsi

0.92%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $7.65B | operating cash flow: $-22.95B | avg total assets: $3335.96B

Volatility Metrics

PPNR Volatilityi

0.09x

Core Revenue Volatilityi

0.02x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $188.75B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $69.73B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

$208.23B

Tangible Assets (TA)i

$3341.37B

TCE / TA Ratioi

6.23%

⚠️ Warning

TCE = $208.23B

TA = $3341.37B

Leverage

Equity / Assets (E/A)i

8.89%

Total Equity = $303.24B

Total Assets = $3410.39B

Assets / Equity (A/E)i

11.25x

Total Assets = $3410.39B

Total Equity = $303.24B

Capital Quality

AOCI / TCEi

-5.05%

✅ Healthy

AOCI = $-10.53B

TCE = $208.23B

(Goodwill + Intangibles) / Equityi

22.76%

✅ Healthy

GW+Intangibles = $69.02B

Total Equity = $303.24B

Liquidity

Liquidity Buffer (HQLA proxy)i

28.26%

✅ Healthy

Cash+ST Inv = $963.73B

Total Assets = $3410.39B

Funding Structure

Wholesale Funding Ratio (Core)i

11.78%

✅ Healthy

ST+LT Debt = $365.90B

Total Liabilities = $3107.15B

Securities / Assetsi

82.98%

🔴 Risk

ST+LT Inv = $2830.02B

Total Assets = $3410.39B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$197.70B

ATCE / TAi

5.92%

TCE ATCE = $197.70B

TA = $3341.37B

ATCE Scissor Spreadi

31 bps

✅ Healthy

TCE/TA = 623.00%

ATCE/TA = 592.00%

Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

0.41x

TTM Operating Cash Flow = $12.61B

TTM Net Income = $30.63B

Cash Flow ROA (CFROA)i

0.37%

TTM Operating Cash Flow = $12.61B

Average Total Assets = $3406.80B

Liquidity / Solvency

Cash Flow Adequacyi

1.32x

TTM Operating Cash Flow = $12.61B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $9.56B

OCF / Short-Term Debti

0.26x

TTM Operating Cash Flow = $12.61B

Short-Term Debt = $48.09B

Sustainability / Stability

OCF Growth Rate (YoY)i

-188.54%

Current Quarter OCF = $-22.95B

Same Quarter Last Year OCF = $25.91B

OCF Volatility (CV)i

5.82x

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Bank of America Corporation PFD SER B 7%

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis