What is the fair value of BAC stock?

Our analysis estimates the fair value range for BAC to be between $52.14 and $57.31. The current price is $50.78.

What is the analyst price target for BAC?

The average Wall Street analyst price target for BAC is $63.14. This implies a potential upside of 24.3% from current levels.

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

BAC - Bank of America Corporation

NATIONAL COMMERCIAL BANKS

$50.78

0.14 (0.28%) ▲

5d: -1.19%

30d: -9.64%

90d: -17.13%

BUY

MODERATE Confidence

Analysis Updated: Oct 21, 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 20, 2026

Strength: 8.0/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
💡 BUY OPPORTUNITY: BAC shows positive signals but monitor for confirmation. Market pricing in 3.4% decline. Moderate conviction.

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 2026-10-21.

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Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 15.9%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$89.88

Based on 10.0% avg growth

INTRINSIC VALUE TODAY

$55.81

9.0% 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 $50.78, which is considered oversold relative to its 30-day fair value range of $52.14 to $57.31. 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 3.4% 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 64/100 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 $63.14 (+24.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $52.14 - $57.31

Company Quality Score 64/100 (BUY)

Volume Confirmation HIGH

Confidence Score 90.5%

All Signals

BULLISH: Price oversold vs 30-day range
BULLISH: Strong technical setup (64/100)
BULLISH: High volume confirmation
BULLISH: Trading 24.3% below Wall St target ($63.14)
BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up

Trading Range Analysis

30-Day Trading Range $52.14 - $57.31

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 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 9.95

Wall Street Target $63.14 (+24.3%)

Revenue Growth (YoY) 7.1%

Earnings Growth (YoY) -14.3%

Profit Margin 28.1%

Valuation Discount vs History -3.4% cheaper

PE vs Historical 10.0 vs 11.0 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -3.4% (market-implied from PE analysis)

1-Year Target $49.05 (-3%)

2-Year Target $47.39 (-7%)

3-Year Target $45.77 (-10%)

3-Yr Target (if PE normalizes) (PE: 10→11) $50.61 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 15.9%) $157.90 (+211%)

Base: (SPY PE: 9.9, Growth: 15.9%) $79.11 (+56%)

Bear: (PE: 8.5, Growth: 15.9%) $67.24 (+32%)

📈 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: 12.03 | Current EPS (TTM): $4.21

Bull Case $67.53 (+33%)

Analyst growth 21.2%, PE expands to 13.2

Base Case $61.39 (+21%)

Market implied 21.2%, PE stable at 12.0

Bear Case $34.44 (-32%)

Severe decline -20.0%, PE contracts to 10.2

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: $56.14 (+10.6%)

PE Expansion Potential: +10.6%

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Last updated: October 21, 2026 10:13 PM ET
Data refreshes hourly during market hours. Next update: 11:13 PM

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