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Bank of AmericaXSWX:BAC 78 Intrinsic Value: Projected FCF is CHF54.47 as of Aug. 19, 2026, which is 100% below its 10-year median of 0.60. GuruFocus rates XSWX:BAC with a GF Score™ of 78/100 and a GF Value™ of CHF43.66. The stock has 6 warning signs investors should review. Among 1,306 Banks companies, Bank of America ranks worse than 81.09% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-19), Bank of America's Intrinsic Value: Projected FCF is CHF54.47. The stock price of Bank of America is CHF52.12. Therefore, Bank of America's Price-to-Intrinsic-Value-Projected-FCF of today is 1.0.
The historical rank and industry rank for Bank of America's Intrinsic Value: Projected FCF or its related term are showing as below:
XSWX:BAC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.28 Med: 0.6 Max: 0.96
Current: 0.96
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Bank of America was 0.96. The lowest was 0.28. And the median was 0.60.
XSWX:BAC's Price-to-Projected-FCF is ranked worse than 81.09% of 1306
companies
in the Banks industry
Industry Median: 0.59
vs XSWX:BAC: 0.96
Bank of America (XSWX:BAC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Bank of America's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
52.12
/
50.352481379183
=
1.04
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of America Intrinsic Value: Projected FCF Related Terms
Bank of America Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Bank of America's Intrinsic Value: Projected FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of America Intrinsic Value: Projected FCF Chart
XSWX:BAC vs WFC, C, BNY: Intrinsic Value: Projected FCF Comparison
For the Banks - Diversified subindustry, Bank of America's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of America Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank of America's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Bank of America's Price-to-Projected-FCF falls into.
Bank of America Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Intrinsic Value: Projected FCF of CHF54.47 mean?
Bank of America (XSWX:BAC) has a Intrinsic Value: Projected FCF of CHF54.47 as of Aug. 19, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Bank of America and its competitors. This is 8978% above median its historical median of 0.60. Over the past decade, Bank of America's Intrinsic Value: Projected FCF has ranged from 0.28 to 0.96. According to the industry distribution chart, Bank of America ranks #1059 out of 1306 companies in the Banks industry, placing it in the top 81.1%.
Is Bank of America's Intrinsic Value: Projected FCF too high?
Bank of America's current Intrinsic Value: Projected FCF of CHF54.47 is 8978% above median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.96. Based on the distribution chart, Bank of America ranks #1059 out of 1306 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of America has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Bank of America's Intrinsic Value: Projected FCF compare to WFC and C?
According to the Banks industry distribution chart, Bank of America ranks #1059 out of 1306 companies for Intrinsic Value: Projected FCF. This places Bank of America in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Bank of America's own Intrinsic Value: Projected FCF has ranged from 0.28 to 0.96 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,306 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Bank of America and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of America's current Intrinsic Value: Projected FCF is CHF54.47, which is 8978% above median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of America stock overvalued right now?
Bank of America (XSWX:BAC) has a current Intrinsic Value: Projected FCF of CHF54.47. The stock's GF Value™ is CHF43.66, compared to a current price of CHF52.12 — trading 19.4% above its estimated fair value. The current Intrinsic Value: Projected FCF is CHF54.47, which is 8978% above median its 10-year median of 0.60. Bank of America's overall GF Score™ is 78/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Bank of America (XSWX:BAC), the current Intrinsic Value: Projected FCF is CHF54.47 as of Aug. 19, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of America (XSWX:BAC) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of America stock appears to be overvalued.
The current stock price of CHF52.12 is trading 19.4% above its estimated GF Value™ of CHF43.66.
Key valuation signals for XSWX:BAC:
Intrinsic Value: Projected FCF: CHF54.47 (8978% above median its 10-year median of 0.60)
GF Value™: CHF43.66 vs. price of CHF52.12 (19.4% above fair value)
No single metric tells the full story. See the XSWX:BAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of America is a formidable financial titan with a $3.5 trillion balance sheet and a cornerstone of the American economy, holding the second-largest deposit market share in the United States. While the firm has maintained its stronghold among middle-market and retail clientele domestically, Bank of America has continued to hold its own on the global stage, as evidenced by its fourth-largest global trading operation and an investment banking division that regularly finishes in the top four in global league tables. The firm is organized across four segments: consumer banking, global wealth and investment management, global banking, and global markets.
78GF Score
Get the complete analysis for XSWX:BAC
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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