SWOTPal Logo
SWOTPal

SWOTPal Stability Score

Bank of America Stability Score: 64/100

64/ 100

Q1 2026 (March 2026) · Last updated 2026-05-10

Bank of America scores 64/100 on the SWOTPal Stability Score for Q1 2026 (March 2026), ranking 8 of 10 — between Amazon (64) and NVIDIA (61) in our coverage. The strongest dimension is Profitability at 20/25; the weakest is Solvency at 10/25.

Profitability

20/25

Gross margin 36.0%, operating margin 38.0%, ROIC 14.0%. 3-year net margin trend: rising.

  • Gross margin36.0% · 4/8

    30–40% → 4 pts

  • Operating margin38.0% · 8/8

    > 25% → 8 pts

  • ROIC14.0% · 4/5

    10–20% → 4 pts

  • 3-year net margin trendrising · 4/4

    rising → 4 pts

Solvency

10/25

Debt / equity 1.07, interest coverage 2.10×, current ratio 1.15, FCF / total debt 2.7%.

  • Debt / Equity1.07 · 4/8

    1.0–2.0 → 4 pts

  • Interest coverage2.10 · 2/8

    1.5–4× → 2 pts

  • Current ratio1.15 · 3/5

    1.0–1.5 → 3 pts

  • FCF / Total Debt2.7% · 1/4

    0–5% → 1 pt

Volatility

14/25

5-year beta 1.40, max drawdown 52.0%, 8-quarter EPS CV 0.25.

  • 5-year beta1.40 · 6/8

    0.6–0.8 or 1.2–1.5 → 6 pts

  • 8-quarter EPS CV25.0% · 4/8

    0.20–0.40 → 4 pts

  • 5-year max drawdown52.0% · 1/5

    50–70% → 1 pt

  • Revenue growth std dev7.0% · 3/4

    5–10% → 3 pts

Valuation

20/25

P/E in the 12th percentile of the S&P 500; P/S in the 60th percentile. Lower percentiles score more points (cheaper relative to broad market).

  • P/E percentile vs S&P 50012.0% · 8/8

    ≤ 25th pct → 8 pts

  • P/S percentile vs S&P 50060.0% · 4/8

    50–75th → 4 pts

  • EV/EBITDA percentile vs S&P 50018.0% · 5/5

    ≤ 25th pct → 5 pts

  • Forward P/E discount8.0% · 3/4

    5–10% → 3 pts

Where this score sits in our coverage

All 10 companies SWOTPal currently scores, ranked by total. Highlighted row is the company on this page.

What this score means

What this number means

A SWOTPal Stability Score of 64/100 places Bank of America in the moderate (60–79 band). The score measures financial stability — the company's capacity to absorb shocks across credit and macro cycles — not stock-price upside or competitive moat. Higher = more stable.

Where the score concentrates

Bank of America scores within a tighter band across all four dimensions (highest Profitability 20/25, lowest Solvency 10/25). No single dimension dominates the total score.

What the score doesn't capture

The Stability Score is purely quantitative — it doesn't include regulatory action, governance changes, product-execution risk, or geopolitical exposure. For Bank of America, those qualitative dimensions are covered in the full SWOT analysis. The numeric score and the SWOT are designed to read together.

Methodology summary

Each dimension contributes 0–25 points. Metric scores are assigned by threshold-based cutpoints applied to public financial data. The score does not capture regulatory, governance, product, or geopolitical risk — only quantifiable financial signal.

Read full methodology →

Sources

See Bank of America SWOT Analysis →Read full Bank of America blog →