CluenexBank of America BAC
Bank of America scores weak on business quality (4.1 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Bank of America does
Bank of America generates revenue by providing banking, investing, and financial management services to individual consumers and massive corporations. It makes money primarily through net interest income and fee-based advisory services. The bank is positioning itself around tech-forward advisory tools to capture more wallet share from digital-first consumers.
- What it does best
Bank of America excels at retail deposit collection through its massive consumer branch network and digital platform. Its return on equity sits at 11.1%, trailing peers like JPMorgan at 17.8% but staying ahead of Citigroup at 8.4%.
- The main risk
Rising debt levels across the broader economy threaten credit quality and asset values. If macro defaults spike, loan loss provisions will directly eat into net income, which stands at $32.1 billion.
Quality, check by check
Scored against its own industry, from company filings.
Net margin sits at 26.5%, delivering consistent bottom-line conversion from top-line revenue. Scale helps absorb fixed branch costs, but profitability remains sensitive to interest rate spreads.
Scale creates a sticky retail deposit base locking in millions of consumers through embedded checking accounts and digital apps. Sector rank for return on equity is in the top quartile at 29th percentile, limiting quick replication.
Revenue grew 6.8% to reach $121.1 billion, outpacing its historical pace as loan demand and fee income recovered.
Debt-to-equity is 2.3, showing heavy reliance on leverage to fund operations. Net income reached $32.1 billion on $121.1 billion of revenue, keeping the balance sheet steady.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on BAC
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Bank of America scores weak on the Cluenex quality check (4.1 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health fair.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Oct 14, 2026, before the open.
See BAC today
- Today's verdict on BAC, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Bank of America (BAC)”, https://cluenex.com/stocks/bac/, data as of Oct 10, 2026.