BAC (Bank of America) Moat Score : 7/10 (As of Jul. 05, 2025)

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What is Bank of America Moat Score?

Bank of America has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Bank of America has Wide Moat: Bank of America has a wide moat due to its strong brand, significant market share, and high customer switching costs. Its economies of scale and regulatory barriers further enhance its durable competitive advantages in the banking sector.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank of America might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Competitive Comparison of Bank of America's Moat Score

For the Banks - Diversified subindustry, Bank of America's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank of America's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Bank of America's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank of America's Moat Score falls into.

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Bank of America (NYSE:BAC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Bank of America Moat Score Related Terms

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Bank of America Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bank of America Corp (NYSE:BAC) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

Address

100 North Tryon Street, Bank of America Corporate Center, Charlotte, NC, USA, 28255

Website

https://www.bankofamerica.com

Bank of America is one of the largest financial institutions in the United States, with more than $3.2 trillion in assets. It is organized into four major segments: consumer banking, global wealth and investment management, global banking, and global markets. Bank of America's consumer-facing lines of business include its network of branches and deposit-gathering operations, retail lending products, credit and debit cards, and small-business services. The company's Merrill Lynch operations provide brokerage and wealth-management services, as does its private bank. Wholesale lines of business include investment banking, corporate and commercial real estate lending, and capital markets operations. Bank of America has operations in several countries but is primarily US-focused.

Executives

Berkshire Hathaway Inc	10 percent owner	3555 FARNAM STREET, OMAHA NE 68131
Bernard A Mensah	officer: President, International	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Lindsay D. Hans	officer: Pres, Merrill Wealth Mgmt	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Thomas D Woods	director	100 NORTH TRYON STREET, CHARLOTTE NC 28255
James P Demare	officer: President, Global Markets	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Dean C Athanasia	officer: Pres Prf & Sm Bs Bk & Co-Hd CB	100 FEDERAL STREET, BOSTON MA 02110
Eric A. Schimpf	officer: Pres, Merrill Wealth Mgmt	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Matthew M Koder	officer: Pres, Gl Corp & Invest Banking	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Jose E Almeida	director	ONE BAXTER PARKWAY, DEERFIELD IL 60015
Andrew M. Sieg	officer: Pres, Merill Lynch Wlth Mgmt	100 N TRYON STREET, CHARLOTTE NC 28255
Frank P Bramble	director
Bruce R. Thompson	officer: Vice Chair, Head Ent Credit	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Alastair M Borthwick	officer: Pres, Global Com Banking	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Aditya Bhasin	officer: Chief Tech & Info Officer	100 NORTH TRYON STREET, CHARLOTTE NC 28255
Lauren A Mogensen	officer: Global Compl & Op Risk Exec	100 NORTH TRYON STREET, CHARLOTTE NC 28255