Bank of America (LIM:BAC) Financial Strength: 0 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LIM:BAC Bank of America Corp LIM:BAC
46 GF Score
Price $62.50
GF Value $55.29
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Bank of America Financial Strength?

Bank of America has the Financial Strength Rank of 0.

Warning Sign:

Bank of America Corp displays poor financial strength. Usually, this is caused by too much debt for the company.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Bank of America's interest coverage with the available data. Bank of America's debt to revenue ratio for the quarter that ended in Jun. 2026 was 3.17. Altman Z-Score does not apply to banks and insurance companies.

Bank of America  (LIM:BAC) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Bank of America has the Financial Strength Rank of 0.

Bank of America Financial Strength Related Terms

LIM:BAC
46GF Score
Bank of America Corp LIM:BAC
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of America Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Bank of America's Interest Expense for the months ended in Jun. 2026 was $-17,835 Mil. Its Operating Income for the months ended in Jun. 2026 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $323,987 Mil.

Bank of America's Interest Coverage for the quarter that ended in Jun. 2026 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Bank of America's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(75855 + 323987) / 126232
=3.17

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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.

Is Bank of America (LIM:BAC) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of America stock appears to be overvalued. The current stock price of $62.50 is trading 13% above its estimated GF Value™ of $55.29. GuruFocus considers Bank of America to be Modestly Overvalued.

Key valuation signals for LIM:BAC:

  • Financial Strength: 0
  • GF Value™: $55.29 vs. price of $62.50 (13% above fair value)
  • GF Score™: 46/100 with 6 warning signs

No single metric tells the full story. See the LIM:BAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of America Business Description

Address 100 North Tryon Street, Bank of America Corporate Center, Charlotte, NC, USA, 28255
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.
46GF Score

Get the complete analysis for LIM:BAC

Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$62.50
Price
$55.29
GF Value