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The $25 Special is *Bank of America Corp. (BAC). (You must log-in as a subscriber to get this price. The non-subscirber reduced-price is $50.)

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Here is a capsule review of our featured stock, provided by Mario Medina.

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Company Information:

Bank of America Corp. (BAC) is a multinational investment bank and financial services company headquartered in Charlotte, North Carolina, which provides banking and financial products and services for individual consumers, small- and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates in the following segments: Consumer Banking, Global Wealth & Investment Management, Global Banking, and Global Markets. It is the second largest banking institution in the United States, after JPMorgan Chase, and the ninth largest financial services company in the world by revenue. Its current total market capitalization of $211 billion makes BAC a mega capitalization stock (a mega-cap stock has a market capitalization value of more than $100 billion).

It is considered a diversified business with a wide economic moat and a durable competitive advantage over rivals, which also enjoys a solid management and corporate culture. According to Yahoo! Finance, consensus estimates call for the company to earn about $1.58 per share this year, and to go to about $2.11 per share in 2021. Bank of America has paid dividends to investors since 1903 and has increased its payments for six consecutive years. During the past five years it has increased its dividends at an average annual rate of 31%, and its quarterly payment of $0.18 per share currently provides a yield of 2.96%.

The value of dividends reinvestment: A hypothetical investment in Bank of America has grown cumulatively (including dividends reinvested) 3,311.03% during the past forty years. The same investment has grown only 1,157.29% during the same period of time, excluding dividends. According to the data and calculations of the financial website (don’t quit your day job), a periodic monthly investment of $100 in BAC for the past 40 years would has grown to $1,063,098, including dividends reinvested. The stock exhibits a healthy Dividend Payout Ratio (DPR is the proportion of earnings paid out as dividends to shareholders) of 34.78%, which means the company is paying out 34.78% of all its net income in dividends, and is retaining a large percentage of earnings to reinvest or grow the business. Its average DPR during the past five years is 22%.

Its current Price to Earnings ratio (P/E --a measure of valuation) of 12.00 is 46.2% below the US Market Index, and the forward P/E ratio is 15.82. Its Price to Book ratio of 0.89 is 72.2% below the index, its Price to Cash Flow of 3.41 is 75.3% below the index, and according to Morningstar, the stock is trading at an 11.3% discount, making it attractive for investors with a long-term investment horizon. Technically (from the chart’s perspective) BAC also looks attractive, trading 30.4% below its all-time high), while it is forming a long price consolidation pattern between $29 and $18 approximately, in which $18 is acting as a strong technical support level.

The actively managed mutual funds Dodge and Cox Stock and Vanguard Wellington Inv. are major shareholders of BAC, holding 0.88% and 0.87% of its shares respectively. The stock is also one of the holdings of the mutual fund managed by Moneypaper Advisors, the MP 63 Fund (DRIPX). BAC’s main competitors are JP Morgan Chase & Co. (JPM), Wells Fargo & Co. (WFC) and Citigroup Inc. (C). BAC’s 5-year Beta (a measure of the volatility, or systematic risk in comparison to the market as a whole as evidenced by the S&P 500® Index) is 1.58 so the stock is 58% more volatile than the Market.

Best and worst years during the past 40 years: Its best year was 2012, in which BAC returned, excluding dividends, 108.8%. On the flip side, its worst year was 2008, when the stock declined 65.3% excluding dividends. BAC’s Dividend Reinvestment Plan charges no fees for cash investing, dividend reinvestment, safekeeping, automatic investment or termination of the plan. With the stock being fundamental and technically attractive, this company is an appropriate holding for investors who wish to build a holding over the long term.

Disclosure: Mario Medina is a long-term investor in Bank of America Corp. (BAC) and his investing strategy consists on investing small amounts periodically (also known as dollar-cost average or DCA), always with a long-term view. The author is co-manager of the MP 63 Fund (DRIPX), which hold a position in the company. The author wrote the article himself and it expresses his own opinions. The author has no business relationship with BAC and this article is not intended as a recommendation to invest as the information published does not take into account any subscriber's personal finances, goals or risk tolerance. Accordingly, you should be aware of all the risks associated with any financial investment and should consult an independent financial advisor for any personal investment advice. Past results illustrated in the article are for reference and educational purpose only and do not guarantee future performance.

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Mario Medina Personal and Professional background:

Born in Cuba and graduated in Architecture from the University of Havana, Mario Medina is editor and writer of the weekly online investment newsletter El Boletín, and senior analyst for Julie Stav, Inc. Through seminars and conferences live and online, DVDs, investment e-books, articles in his blog and financial columns (on, and, videos and Podcasts, Mario teaches people inside and outside the United States. The point that differentiates Mario in his teachings, is the simplicity and softness of the language, teaching beginners, the same way he wanted to be educated when starting in the world of personal finances and investments.

Mario provides investment guidance in financial segments of Hispanic television and radio, and has had his own radio shows on those topics at Univision Radio Network, also participating in Tu Dinero, Julie Stav’s financial shows and Podcast series ( and

Analyzing the status of the market and its indexes, examining leading companies, sectors and industries, and evaluating the performance of Julie Stav’s Platinum List of Companies, his popular online Daily Market Report allows thousands of people from across the country to follow the situation of the financial world and get the essential information they need to make the best decisions about their own investments.

Today, Mario provides independent fundamental and technical analysis for the mutual fund MoneyPaper 63 (DRIPX), which is the only fund that focuses solely in companies that offer small investors Dividend Re-investment Plans. He is also a regular contributor to

Today, those who read the articles written by Mario Medina, or those who daily follow his Market Report, listen to his segments, watch his videos, or attend his seminars, could not imagine that a little over a decade ago its author knew nothing about investments or the stock market. It has been a long, arduous road for the young man newly arrived to the US with empty pockets, a suitcase full of dreams, and whose first savings came from collecting empty soda cans and recycling scrap yard. After discovering the world of finance through books and radio programs, and after years of study and sacrifice, Mario Medina now advises thousands of Hispanics on how and when to buy or sell in the stock market in order to obtain the best returns and minimize their losses.

What was the secret that allowed Mario to develop those early, small investments? "I think the key is to save and invest on a regular basis, with clearly defined long-term, diversified goals," he says. "To do so, each person must determine his o her risk tolerance level ... I do not feel comfortable risking as much as other people, and in turn many risk more than me. It is essential to know how far one can get without trying to beat the stock market every day.”

Through his regular segments, articles and analysis, Mario wants to offer everyone his successful strategies so that anyone can make the most of their work, their savings and their investments, and realize their dreams of economic prosperity. Mario Medina’s own dream is to help those interested in managing their money by knowing the risks and investing directly in the very best, teaching them the necessary steps to succeed in the stock market and other investments, participating in it directly and without brokers, so they can manage their money more efficiently and get better returns without paying more fees.

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