BAC · BANK OF AMERICA CORP

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Bank of America Corporation, through its subsidiaries, provides various financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates through four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, checking accounts, and investment accounts and products; credit and debit cards; residential mortgages and home equity loans; and direct and indirect loans.

Close · 3M

-9.50%

Held by 2 AI ETFs

AIVL2.555%

as of Oct 23

PQUS1.040%

as of Oct 23

Signal performance

Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.

Buy signals7

Win rate0% (0/7)

Avg buy return-14.43%

AIVLnow 2.555% of fund24 signals

AIVL · Weight decrease · 6d

weight 2.797% → 2.563% (-0.234 pp)·stock down 12.6% in the 30 days before

Oct 20·entry $50.64·now $50.56

-0.16%

since Oct 20

AIVL · Weight decrease · 5d

weight 2.797% → 2.578% (-0.219 pp)·stock down 12.7% in the 30 days before

Oct 19·entry $50.39·now $50.56

+0.34%

since Oct 19

AIVL · Weight decrease · 4d

weight 2.797% → 2.615% (-0.182 pp)·stock down 11.9% in the 30 days before

Oct 16·entry $51.23·now $50.56

-1.31%

since Oct 16

AIVL · Weight decrease · 3d

weight 2.797% → 2.636% (-0.161 pp)·stock down 10.7% in the 30 days before

Oct 15·entry $51.70·now $50.56

-2.21%

since Oct 15

AIVL · Weight decrease · 2d

weight 2.797% → 2.645% (-0.152 pp)·stock down 13.7% in the 30 days before

Oct 14·entry $51.39·now $50.56

-1.62%

since Oct 14

AIVL · Weight increase · 2d

weight 2.781% → 2.797% (+0.016 pp)·stock down 12.9% in the 30 days before

Oct 12·entry $54.58·now $50.56Fresh

-7.37%

since Oct 12

AIVL · Weight decrease · 7d

weight 3.678% → 2.781% (-0.897 pp)·stock down 14.5% in the 30 days before

Oct 8·entry $53.61·now $50.56

-5.69%

since Oct 8

AIVL · Weight decrease · 7d

weight 3.707% → 2.792% (-0.915 pp)·stock down 14.2% in the 30 days before

Oct 7·entry $53.52·now $50.56

-5.53%

since Oct 7

AIVL · Weight decrease · 7d

weight 3.769% → 2.808% (-0.961 pp)·stock down 13.7% in the 30 days before

Oct 6·entry $54.09·now $50.56

-6.53%

since Oct 6

AIVL · Weight decrease · 6d

weight 3.769% → 2.823% (-0.946 pp)·stock down 14.3% in the 30 days before

Oct 5·entry $54.00·now $50.56

-6.37%

since Oct 5

AIVL · Weight decrease · 5d

weight 3.769% → 2.830% (-0.939 pp)·stock down 14.1% in the 30 days before

Oct 2·entry $53.75·now $50.56

-5.93%

since Oct 2

AIVL · Weight decrease · 4d

weight 3.769% → 3.604% (-0.166 pp)·stock down 13.3% in the 30 days before

Oct 1·entry $53.73·now $50.56

-5.90%

since Oct 1

AIVL · Weight decrease · 3d

weight 3.769% → 3.659% (-0.110 pp)·stock down 12.1% in the 30 days before

Sep 30·entry $54.43·now $50.56

-7.11%

since Sep 30

AIVL · Weight decrease · 2d

weight 3.769% → 3.678% (-0.091 pp)·stock down 11.8% in the 30 days before

Sep 29·entry $54.96·now $50.56

-8.01%

since Sep 29

AIVL · Weight increase · 2d

weight 3.699% → 3.769% (+0.070 pp)·stock down 8.9% in the 30 days before

Sep 25·entry $56.70·now $50.56Fresh

-10.83%

since Sep 25

AIVL · Weight decrease · 2d

stock down 10.2% in the 30 days before

Sep 23·entry $56.00·now $50.56

-9.71%

since Sep 23

AIVL · Weight decrease · 2d

stock down 7.2% in the 30 days before

Sep 14·entry $59.47·now $50.56

-14.98%

since Sep 14

AIVL · Weight increase · 3d

stock down 2.2% in the 30 days before

Sep 10·entry $62.56·now $50.56Fresh

-19.18%

since Sep 10

AIVL · Weight increase · 2d

stock down 1.9% in the 30 days before

Sep 9·entry $62.67·now $50.56Fresh

-19.32%

since Sep 9

AIVL · Weight decrease · 3d

stock down 0.5% in the 30 days before

Sep 4·entry $62.68·now $50.56

-19.34%

since Sep 4

AIVL · Weight decrease · 2d

stock down 0.3% in the 30 days before

Sep 3·entry $63.04·now $50.56

-19.80%

since Sep 3

AIVL · Weight increase · 2d

stock down 0.0% in the 30 days before

Aug 31·entry $61.94·now $50.56Fresh

-18.37%

since Aug 31

AIVL · Weight decrease · 2d

stock up 0.2% in the 30 days before

Aug 27·entry $61.17·now $50.56

-17.35%

since Aug 27

AIVL · Weight increase · 2d

stock up 0.5% in the 30 days before

Aug 25·entry $62.43·now $50.56Fresh

-19.01%

since Aug 25

PQUSnow 1.040% of fund5 signals

PQUS · Weight decrease · 2d

weight 1.050% → 1.020% (-0.030 pp)·stock down 9.6% in the 30 days before

Oct 21·entry $50.78·now $50.56

-0.43%

since Oct 21

PQUS · Weight decrease · 2d

weight 1.090% → 1.040% (-0.050 pp)·stock down 13.7% in the 30 days before

Oct 14·entry $51.39·now $50.56

-1.62%

since Oct 14

PQUS · Weight increase · 2d

weight 1.070% → 1.090% (+0.020 pp)·stock down 13.2% in the 30 days before

Oct 9·entry $54.32·now $50.56Fresh

-6.92%

since Oct 9

PQUS · Weight decrease · 2d

weight 1.360% → 1.080% (-0.280 pp)·stock down 14.3% in the 30 days before

Oct 5·entry $54.00·now $50.56

-6.37%

since Oct 5

PQUS · Weight decrease · 2d

stock up 1.0% in the 30 days before

Aug 29·entry $61.94·now $50.56

-18.37%

since Aug 29

Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.

Buffett-style framework

Fails the frameworkas of Sep 27

AI ETFs AIVL, PQUS, and QRFT currently hold Bank of America, with AIVL showing recent fluctuating but overall increased weight, indicating a mixed to positive sentiment from these funds. This activity contrasts with the framework's "Fail" verdict, which identifies concerns primarily in the financial health of the company. The AI's assessment appears to diverge from a conservative value investing approach that prioritizes a high average return on equity.

Circle of CompetenceAs a large, diversified financial institution, Bank of America's core earning power from deposits, lending, and fee-based services allows for reasonable long-term cash flow projections, despite industry cyclicality.
Economic MoatBank of America benefits from strong brand recognition, significant customer switching costs, vast scale economies in operations and funding, and the regulatory barriers to entry inherent in the diversified banking industry.
ManagementThe provided data does not offer sufficient information to assess management's candor, capital allocation discipline, or insider ownership to determine a pass or fail for this criterion.
Financial HealthThe reported return on equity (ROE) of 11.13% falls short of the framework's demanding 10-year average target of 15%, and other critical financial health metrics such as long-term operating margin stability and owner earnings cannot be fully assessed from the limited data provided.
Margin of SafetyWithout detailed financial projections to estimate intrinsic value and compare it to the current market price, it is not possible to determine if there is a defensible margin of safety.

Bank of America is evaluated as within the circle of competence due to its predictable operations and benefits from a strong economic moat derived from its brand, scale, and customer switching costs. However, it fails the financial health criteria as its reported return on equity does not meet the framework's demanding long-term average target. Consequently, with additional data limitations for management and margin of safety, the company receives an overall "Fail" from this value-investing framework.

Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.