Bank of America Corporation — Earnings Quality Grade F
BAC · Financial Services
Major red flags
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO surged by 33 days (284 → 317)
AR growth 19.4% exceeds revenue growth 6.8%
Revenue 6.8%, CFFO 243.2%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.41. Only 41% of profit backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = 0.5%. Low accruals
Cash $239.3B covers 65% of debt $365.9B
Balance Sheet Health
Goodwill+Intangibles $69.0B = 23% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Bank of America Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25