NASDAQ · STOCK
Bank of America
$61.98
52W $44.75 – $62.99
55/100
$439.63B
14.0
1.18
Is BAC Bullish or Bearish?
Mixed.
Innellis AI committee rates Bank of America (BAC) Watch with a composite score of 55/100
, based on 7 analysts with 43% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.95 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.05 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 99.4% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 2.33) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 13.1 is inexpensive for the broad market — Value
- Price-to-book of 1.3x is a discount to asset value — Value
- Revenue growing 99.4% YoY -- genuine top-line momentum — Growth
- EPS growing 25.8% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Debt-to-equity of 2.33 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 2.33) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
55/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 66%
of 141 Financial Services peers
Value Analyst
bullish
65
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.1 is inexpensive for the broad market
− Debt-to-equity of 2.33 adds balance-sheet risk to the value case
Growth Analyst
bullish
71
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 99.4% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.33) amplifies downside in a stress scenario
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
55
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 57.4 to 55.0.
- Committee agreement fell sharply from 71% to 43%.
- New bearish signals: 3 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst, News Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: stance bullish->neutral; score 64->55 (-9).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
59.4
Neutral
MACD Histogram
-0.146
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.74
Inside Bands
Price vs Moving Averages
EMA 9
$61.62
Above
EMA 21
$60.59
Above
EMA 50
$58.08
Above
EMA 200
$53.43
Above
Fundamental Analysis
Valuation
100
Growth
78
Profitability
0
Financial Health
2
Cash Flow
38
Valuation
P/E Ratio
14.0×
P/B Ratio
1.47×
PEG Ratio
0.51
Dividend Yield
0.02%
52W High
$62.99
52W Low
$44.75
Quality & Growth
ROE
10.1%
ROA
0.9%
Gross Margin
65.2%
Operating Margin
24.7%
Revenue Growth YoY
—
Debt / Equity
2.43
AI Fundamental Assessment
P/E ratio of 14.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.5x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 0.07 (tight short-term liquidity); Debt-to-equity of 2.43; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (13.25); Most recent quarter beat estimates by 5.9%; 5 consecutive earnings beats; EPS growth decelerating (+13.3% -> +9.0% QoQ); Average YoY EPS growth of 36.0%; Analyst estimates rising over recent quarters
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