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Bank of America Corporation (BAC) 股票估值 — PE 分析

Banks - Diversified · NYSE

目前價格

$58.02

PE Ratio (TTM)

14.2x

內在價值

$101.09

安全邊際 +42.6%

AI 護城河與風險分析BAC

競爭護城河

投資風險

基準情形

BAC 基準情形 PE 估值

BAC 的基準情形 PE 估值估算每股公允價值約為 $101.09,目前股價為 $58.02。該模型假設盈餘年增長率 16.3%、目標 P/E 倍數 13x、折現率 10%。

內在價值

$101.09

安全邊際

+42.6%

預期年化報酬

+11.7%

基準情形假設:盈餘年增長率 16.3%、目標 P/E 倍數 13x、折現率 10%、預測 5 年。資料截至 2026-06-29。

本基準情形採用預設假設,不構成投資建議。當目標 PE 或盈餘增長率變化時,公允價值會顯著改變。開啟計算器可設定你自己的假設,並查看完整的敏感度區間。

自訂 BAC PE 估值

調整目標 PE、盈餘增長與折現率,查看 Bank of America Corporation 的公允價值與安全邊際如何變化。

開啟 BAC PE 計算器

或試試 BAC DCF 估值 →

公司簡介

Operating globally through its various subsidiaries, Bank of America Corporation offers a comprehensive range of banking and financial products and services. Its extensive clientele includes individual consumers, small and mid-market businesses, institutional investors, large corporations, and government bodies worldwide. The Consumer Banking division provides diverse options such as traditional and money market savings accounts, certificates of deposit, individual retirement accounts (IRAs), and both interest-bearing and non-interest-bearing checking accounts, in addition to investment products. This segment also issues credit and debit cards, originates residential mortgages and home equity loans, and offers direct and indirect financing for needs like automotive purchases, recreational vehicles, and personal loans. Within its Global Wealth & Investment Management segment, the company delivers investment management, brokerage, banking, and trust and retirement solutions. It also crafts tailored wealth management strategies, including specialized asset management services. The Global Banking segment furnishes a broad spectrum of lending products, including commercial loans, leases, commitment facilities, trade finance, and both commercial real estate and asset-based lending. Furthermore, it provides treasury solutions such as cash management, foreign exchange, short-term investment options, and merchant services, alongside working capital management guidance. This segment also engages in debt and equity underwriting, distribution, and advisory services related to mergers and acquisitions. Through its Global Markets segment, Bank of America performs market-making activities, offers financing, and provides securities clearing, settlement, and custody services. It also devises risk management products employing interest rate, equity, credit, currency, and commodity derivatives, as well as foreign exchange, fixed-income, and mortgage-related instruments. As of December 31, 2021, the corporation served approximately 67 million consumer and small business clients. Its widespread infrastructure comprised around 4,200 retail financial centers and approximately 16,000 ATMs, supplemented by digital banking platforms utilized by roughly 41 million active users. Founded in 1784, Bank of America is headquartered in Charlotte, North Carolina.

財務指標 — BAC PE 估值資料

PE Ratio (TTM)

14.2x

PEG Ratio

0.69

Earnings Yield

7.53%

ROE (TTM)

10.5%

Revenue/Share (TTM)

$24.10

Dividend Yield

1.93%

Debt/Equity

1.28x

常見問題

BAC 的市盈率是多少？

BAC 的過去 12 個月市盈率反映投資者為 Bank of America Corporation 每一美元收益所支付的價格。該指標在與Banks - Diversified同類公司和公司自身歷史區間對比時最有意義。

基於市盈率，BAC 被高估了嗎？

BAC 的市盈率 14.2x 結合 PEG 比率 0.69 提供了增長調整後的視角。PEG 低於 1.0 表明 BAC 相對於盈利增速可能被低估。注意 PE 估值最適合盈利穩定的成熟公司——對於高增長或週期性Banks - Diversified，DCF 分析可能更合適。

如何使用市盈率對 BAC 進行估值？

對 Bank of America Corporation 使用 PE 估值的步驟：(1) 將目前市盈率 (14.2x)與Banks - Diversified中位數對比評估相對定價，(2) 查看 PEG 比率 (0.69)以調整增長預期，(3) 參考 5 年 PE 歷史區間判斷目前位置，(4) 用目標 PE 乘以前瞻 EPS 估算公允價值。這種相對估值方法與 DCF 的絕對估值互為補充。

BAC 的 PEG 比率是多少？

BAC 的 PEG 比率為 0.69，由市盈率（14.2x）除以預期盈利增速計算。PEG 低於 1.0 傳統上被認為是低估的訊號——市場可能未充分定價增長潛力。注意 PEG 的準確性取決於增長預期的可靠性。

對 BAC 應該使用 PE 還是 DCF 估值？

PE 市盈率給出快速的相對定價——BAC 相對於Banks - Diversified同類的估值水平。DCF 基於預期自由現金流提供絕對價值。建議用 PE 做快速篩選，用 DCF 做深度分析。兩種方法各有盲區：PE 忽略了資本結構和現金流質量，DCF 則對增長率和折現率假設非常敏感。

了解更多

查看 BAC DCF 估值 → — 透過折現現金流分析計算內在價值
PE 方法論 — PE 市盈率估值分步指南
DCF 方法論 — 折現現金流分析指南
PE 市盈率 — 理解市盈率
內在價值 — 如何評估股票公允價值