BAC Stock Analysis: Buy, Sell, or Hold?
BAC - Bank of America Corporation
$53.20
0.12 (0.23%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 15, 2026
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1 traders called BAC this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: BAC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: BAC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$93.18
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$57.86
8.1% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 12.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BAC is currently trading at $53.20, which is considered slightly low relative to its 30-day fair value range of $52.49 to $56.11. From a valuation perspective, the stock is trading at a discount (Forward PE: 10.7) compared to its historical average (12.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.8% over the next few years. This pessimistic expectation contrasts with the company's recent 20.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, BAC is in a strong uptrend. The price is approaching resistance at $53.48. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BAC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $62.12 (+17.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, BAC is in a strong uptrend. The price is approaching resistance at $53.48. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BAC has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $62.12 (+17.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$52.49 -
$56.11
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
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View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($62.12)
Fair Price Analysis
30-Day Fair Range
$52.49 -
$56.11
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$51.31
Resistance Level
$53.48
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.68
Wall Street Target
$62.13
(+17.0%)
Revenue Growth (YoY)
13.2%
Earnings Growth (YoY)
20.9%
Profit Margin
28.4%
Valuation Discount vs History
-3.8% cheaper
PE vs Historical
10.7 vs 12.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.8%
(market-implied from PE analysis)
1-Year Target
$51.06
(-4%)
2-Year Target
$49.12
(-8%)
3-Year Target
$47.26
(-11%)
3-Yr Target (if PE normalizes)
(PE: 11→12)
$53.10
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 14.8%)
$167.64
(+216%)
Base:
(SPY PE: 10.7, Growth: 14.8%)
$80.28
(+51%)
Bear:
(PE: 9.1, Growth: 14.8%)
$68.24
(+29%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.69 | Current EPS (TTM): $3.81
Bull Case
$74.86
(+41%)
Analyst growth 30.5%, PE expands to 15.1
Base Case
$68.06
(+28%)
Market implied 30.5%, PE stable at 13.7
Bear Case
$35.48
(-33%)
Severe decline -20.0%, PE contracts to 11.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.7 to 12.0
Stabilization Target:
$59.64
(+12.4%)
PE Expansion Potential:
+12.4%
Last updated: January 30, 2026 4:11 PM ET
Data refreshes hourly during market hours. Next update: 5:11 PM
Data refreshes hourly during market hours. Next update: 5:11 PM
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Technical Signals Check
Is BAC showing a specific setup today?
Insider Activity (6 Months)
1
Buys
6
Sells
Net
INSIDERS SELLING
Recent Transactions
Val T. Hoyle
SELL
2025-09-23
Ro Khanna
BUY
2025-09-17
Ro Khanna
SELL
2025-09-10
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