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Financial Services · Banks - Diversified · Price, fundamentals, signals, and forward-looking context in one research view.
Financial Services
₦672T
2.0%
14.80
Current price
₦96,135.00
0.0% todayUpdated 1h ago
Open
₦97,800.00
Previous close
₦96,135.00
Day range
₦95,850.00 – ₦97,800.00
Volume
N/A
14.8x P/E
Awaiting filing
2.0% yield
35/100 measured
Easy to trade
BAC has a positive bias over 30 days and positive bias over one year.
7-day forecast is free
You can use the full 7-day forecast on the free plan. Upgrade to Pro to unlock the 30-day and 1-year views.
Expected move
+1.58%
Expected price
₦97,650.00
Lower path
₦93,855.00
Upper path
₦101,460.00
Confidence
Whisone is mixed because the bullish case is not yet strong enough to lead while there is no strong bear warning from the current data. Whisone has moderate conviction here. The final read is being balanced by the weighted scores for fundamentals, technicals, insider flow, sentiment, event flow, and liquidity.
Whisone v2 splits the read into weighted parts so the score is not just one hidden number.
Fundamentals
Growth, margins, cash flow, and valuation.
Latest net profit
₦45.4T
TTM (2026-07-05)
ROE
11.2%
Return on equity
ROA
1.0%
Return on assets
Debt / equity
2.66
Lower is usually safer.
P/B ratio
1.63
Useful for book value support.
Dividend yield
2.0%
Current income signal.
84/100
Direction
Range-bound
Main supports
Recent price behavior and momentum still support follow-through.
Trading liquidity looks supportive for the forecast to transmit into price action.
Recent price and fundamentals refreshes improve signal reliability.
What can go wrong
Execution risk and market swings can still delay the forecast playing out.
Fair value
₦99,645.00
Analyst view
Buy
Analyst target
₦103,159.09
Forecast refresh
Updated 58 min ago
Quality score
60
Growth score
50
These are the external analyst numbers and business outlook figures already synced into the company record.
No external analyst outlook is available for this company yet.
₦390.00
2024-12-06
Payment: TBA | Qualification: 2024-12-06 | Yield at declaration: N/A
₦390.00
2024-09-06
Payment: TBA | Qualification: 2024-09-06 | Yield at declaration: N/A
A plain-English reading of momentum, trend, volatility, range position, and trading participation.
RSI
N/A
Momentum data is not available yet.
Recent trend
Rising
+4.2% across the latest saved price window.
Volatility
Moderate
Beta is 1.17. Price sensitivity is broadly around the market range.
52-week position
94% of range
Price is trading close to its 52-week high.
Volume confirmation
N/A
Comparable volume data is not available.
The proposed CBN holdco framework would change how foreign subsidiaries of Nigerian banks are structured, impacting financial groups listed.
NTA CFC rules & 15% top-up tax
BAC may also move because the FINANCIAL SERVICES sector may move with nta cfc rules & 15% top-up tax. Confidence 67%.
Article states banks and financial groups with regional operations are expected to be affected by the CFC regime and top-up tax.
Open Banking implementation
BAC may also move because the FINANCIAL SERVICES sector may move with open banking implementation. Confidence 67%.
Article states Open Banking is expected to reshape how banks, fintechs and other financial service providers share data and deliver products, requiring regulatory and governance readiness.
data_localisation
BAC may also move because the FINANCIAL SERVICES sector may move with data_localisation. Confidence 67%.
The circular mandates all payment transaction data generated in Nigeria be stored and managed on servers within Nigeria by Jan 1, 2027, and applies broadly across financial institutions and payment participants.
mandatory capital flows reporting
BAC may also move because the FINANCIAL SERVICES sector may move with mandatory capital flows reporting. Confidence 67%.
The reporting requirement applies to registrars, brokers/dealers, fund managers and other capital market operators in the financial services sector.
market_structure
BAC may also move because the FINANCIAL SERVICES sector may move with market_structure. Confidence 67%.
New market-structure requirements (25%/15% caps and monthly market-share reporting) target concentration risks across the payments industry and will impact banks, fintechs and PSPs in the financial services sector.
recapitalisation_policy
BAC may also move because the FINANCIAL SERVICES sector may move with recapitalisation_policy. Confidence 67%.
PenCom's revised minimum capital requirements (introduced Sept 2025) and June 2027 deadline are driving mergers and restructuring across the pension administration sector.
recapitalisation
BAC may also move because the FINANCIAL SERVICES sector may benefit from recapitalisation. Confidence 67%.
The sector collectively raised N4.65tn and 33 banks met the Central Bank's revised minimum capital requirements, strengthening balance sheets and investor confidence.
BAC
Bank of America Corporation
Price: ₦96,135.00
P/E: 14.801385
Yield: 2.0%
AFL
Aflac Incorporated
Price: ₦181,650.00
P/E: 13.063645
Yield: 2.0%
AIG
American International Group, Inc.
Price: ₦114,045.00
P/E: 13.874087
Yield: 2.6%
AJG
Arthur J. Gallagher & Co.
Price: ₦380,235.00
P/E: 42.038143
Yield: 1.1%
Industry
Banks - Diversified
Employees
211000
Exchange
NYQ
Ticker
BAC
