Runs a large consumer and commercial bank with an enormous low-cost deposit base and a substantial wealth management arm.
Bank of America (BAC) scores 4.9 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on profitability, and growth is what holds it back.
2 pillars, solvency and efficiency, are unscored because the filings behind them carry too little to judge. Each is shown as a dash rather than a zero, and the overall score is the weighted average of what could be scored.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
Bank of America’s returns on capital beat their cost in most measured years: 4 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
Deposit-funded lending makes net interest income the dominant driver, so predictability moves with the rate cycle as much as with the economy. As with any bank, the solvency pillar reads leverage that regulators require rather than risk that management chose. Profitability against a sector baseline is where the franchise quality actually appears.
On the filings behind it, Bank of America earns 4.9 out of 10 for business quality as of October 16, 2026. That is mixed quality on our scale. A mixed reading means the strengths and weaknesses roughly cancel out, and the case for the business depends on which pillars you care about most. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Among the 261 Financials companies with a published score, that ranks at the 26th percentile, just below the middle of the group. The median across the group is 5.9, and the top quarter begins at 6.8, so Bank of America is below the typical company here.
Bank of America’s profitability score is 5.4 out of 10 (average). Against a median of 6.8 among 255 Financials companies, that is below the group and the 27th percentile. An average profitability reading usually means the company earns a fair return without obvious pricing power, so the other pillars decide more of the story.
There is no solvency score for Bank of America: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 140 Financials companies the median for this pillar is 8.5. Without it the overall says nothing about how comfortably the company carries its debt.
Growth scores 4.3 out of 10, which reads as average. The median across 241 Financials companies is 4.6, so Bank of America is in line with its peers on this pillar and ranks at the 44th percentile. Average growth reflects a business expanding at roughly the pace of its sector, without a clear acceleration or decline.
There is no efficiency score for Bank of America: too little of the pillar could be measured from the filings to give an honest reading. The overall is therefore the weighted average of the other pillars. Across 211 Financials companies the median for this pillar is 5.8. Without it the overall cannot say how well reported profit turns into cash.
Bank of America’s predictability score is 4.7 out of 10 (average). Against a median of 4.9 among 256 Financials companies, that is in line with the group and the 45th percentile. An average predictability reading means results have wobbled about as much as is normal for the sector.
Bank of America’s pillars sit close together: profitability is the strongest at 5.4 and growth the weakest at 4.3, a spread of only 1.1 points. A profile this even means the overall is a fair summary of the business. Leading with profitability is the most valuable kind of strength, because margins and returns are what the other pillars ultimately feed. A growth shortfall often comes with size or a maturing market, and is less of a concern if the other pillars are strong.
Of everything that could lift Bank of America’s score, profitability matters most. Bringing it up to the 6.8 median of Financials companies would take the overall from 4.9 to roughly 5.4. Only three of the five pillars could be scored. Together they carry 65 of the 100 weight points (the full set is profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and the overall is the weighted average of those alone.
These are the Financials companies closest to Bank of America in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Bank of America scores 4.9 out of 10, which reads as mixed quality. Its strongest pillar is profitability, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Bank of America ranks at the 26th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against Bank of America’s 4.9.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for BAC are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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