---
title: Bank of America (BAC) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/bac
ticker: BAC
tier: Money center
as_of: 2026-10-16
---
# Bank of America (BAC) — bank health

Bank of America, Money center, trades at 1.85× tangible book against a 15.8% return on tangible common equity, a 1% premium to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | BAC | Money center average (3) |
| --- | ---: | ---: |
| Price | $51.23 |  |
| P/TBV | 1.85× |  |
| Tangible book per share | $27.72 |  |
| P/E | 12.2 |  |
| EPS (TTM) | $4.19 |  |
| Dividend per share (TTM) | $1.16 |  |
| Dividend yield | 2.3% |  |
| Payout | 27.7% |  |
| ROTCE | 15.8% | 17.7% |
| ROA | 0.94% |  |
| Efficiency ratio | 60.2% | 58.7% |
| Net interest income share | 52.0% | 53.1% |
| Credit cost | 4.29% | 7.23% |
| AOCI / TCE | -7.5% | -15.7% |
| CET1 | 11.2% |  |
| CET1 requirement | 10.0% |  |
| Total assets | $3.4T |  |
| Leverage (assets / TCE) | 16.9× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 2.14× / 1.83× / 1.61× |  |

## Lights

No light is on.

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Source: https://sweetvaluelab.com/tools/banks/bac (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.