Is BAC stock a Buy, Sell, or Hold?

Based on our analysis, BAC is currently a HOLD with low confidence. 📊 HOLD: BAC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of BAC stock?

Our analysis estimates the fair value range for BAC to be between $52.93 and $59.54. The current price is $51.23.

What is the analyst price target for BAC?

The average Wall Street analyst price target for BAC is $63.82. This implies a potential upside of 24.6% from current levels.

Bank of America (BAC) Stock: Buy, Sell, or Hold?

BAC - Bank of America Corporation

NATIONAL COMMERCIAL BANKS

$51.23

-0.47 (-0.91%) ▼

5d: -5.69%

30d: -11.95%

90d: -15.21%

HOLD

LOW Confidence

Protect Your BAC Gains

Analysis Updated: Oct 16, 2026 12:00 AM ET

Earnings: Oct 14, 2026 0d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Sep 30, 2026 at $54.43 · last confirmed Oct 16, 2026

Strength: 8.0/10

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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.

See Forward Earnings Fair Value & Price Prediction →

BAC is flagged by 1 backtest-validated scanner today

SPY Bullish (stocks from this scanner have beaten SPY by a median 0.37% over the next 20 trading days; BAC has been on it 1 day). Backtested on 8 months of scanner history vs the S&P 500, as of 2026-10-16.

See all of today's Best Signals in the free scanner →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 16.1%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$91.56

Based on 10.1% avg growth

INTRINSIC VALUE TODAY

$56.85

9.9% 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 11.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: BAC is currently trading at $51.23, which is considered oversold relative to its 30-day fair value range of $52.93 to $59.54. The stock's valuation (Forward PE: 9.9) is in line with its historical norms (11.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.6% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, BAC is in a strong uptrend. Immediate support is located at $49.26, while resistance sits at $54.93.

Market Sentiment: BAC scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $63.82 (+24.6%). 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 OVERSOLD

Historical Trading Range $52.93 - $59.54

Company Quality Score 63/100 (BUY)

Volume Confirmation HIGH

Confidence Score 90.5%

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All Signals

BULLISH: Price oversold vs 30-day range
BULLISH: Strong technical setup (62/100)
BULLISH: High volume confirmation
BULLISH: Trading 24.6% below Wall St target ($63.82)
BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
CAUTION: Recommendation downgraded due to -5.7% 5-day decline

Trading Range Analysis

30-Day Trading Range $52.93 - $59.54

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $49.26

Resistance Level $54.93

Current Trend Strong Uptrend

Technical data as of Oct 16, 2026

Fundamental Context

Forward P/E (Next Year Est.) 9.90

Wall Street Target $63.82 (+24.6%)

Revenue Growth (YoY) 7.1%

Earnings Growth (YoY) -14.3%

Profit Margin 28.1%

Valuation Discount vs History -3.6% cheaper

PE vs Historical 9.9 vs 11.0 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -3.6% (market-implied from PE analysis)

1-Year Target $49.39 (-4%)

2-Year Target $47.61 (-7%)

3-Year Target $45.89 (-10%)

3-Yr Target (if PE normalizes) (PE: 10→11) $51.01 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 16.1%) $160.94 (+214%)

Base: (SPY PE: 9.9, Growth: 16.1%) $80.20 (+57%)

Bear: (PE: 8.4, Growth: 16.1%) $68.17 (+33%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.

Trailing PE: 12.46 | Current EPS (TTM): $4.15

Bull Case $70.93 (+39%)

Analyst growth 24.7%, PE expands to 13.7

Base Case $64.49 (+26%)

Market implied 24.7%, PE stable at 12.5

Bear Case $35.16 (-31%)

Severe decline -20.0%, PE contracts to 10.6

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 9.9 to 11.0

Stabilization Target: $56.94 (+11.1%)

PE Expansion Potential: +11.1%

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Last updated: October 16, 2026 7:02 PM ET
Data refreshes hourly during market hours. Next update: 8:02 PM

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Insider Activity (6 Months)

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