Fair value (multi-method)
Four independent methods triangulate what BAC is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$130.24
Method range
$33.21 – $130.24
median $54.41
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $130.24 | +141.95% |
| Exit multiple | $47.69 | -11.41% |
| Analyst target | $61.13 | +13.56% |
| Graham number | $33.21 | -38.30% |
- Forward DCF$130.24
- Exit multiple$47.69
- Analyst target$61.13
- Graham number$33.21
Stock price
$53.83
FCF / share (TTM)
$5.76
3Y FCF CAGR
-45.2%
Fair value @ hist. growth
$5.72
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
-1.9%
per year over your projection horizon
Margin of safety -841.1% vs hist-growth DCF
Historical 3Y CAGR
-45.2%
Your model implies
-1.9%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -45% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 8.5% | -4.4% | -4.9% | -5.4% | -6.0% | -6.6% |
| 9.5% | -2.8% | -3.2% | -3.6% | -4.1% | -4.6% |
| 10.5% | -1.2% | -1.5% | -1.9% | -2.3% | -2.8% |
| 11.5% | 0.3% | -0.0% | -0.3% | -0.7% | -1.1% |
| 12.5% | 1.7% | 1.5% | 1.2% | 0.8% | 0.5% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
0.78
Low vs growth
Net debt
$134.1B
Total debt − cash
Beta
1.20
Vs market benchmark
Frequently asked questions
Bank of America (BAC) Key Financials
Charts, filings, and peer comparison for every metric
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