第7名：美国银行

????交易代码: BAC

????年初至今股票表现: -57%

????市值: 580亿美元

????财富500强排名: 9

????无论是在公众、还是投资者的眼中，美国银行的表现都不太好。美国客户满意度指数（American Customer Satisfaction Index）发布的一项报告显示，2011年美国银行的客户满意度在四大银行中垫底，不如富国银行（Wells Fargo）、花旗集团（Citigroup）和摩根大通（J.P. Morgan Chase）。在股市中，美国银行今年一路下行，11月份更是创下两年来的低点。

????9月末，美国银行因提议对借记卡收取每月5美元的客户服务费，导致公众形象一落千丈；11月份，该行宣布撤销这一计划。9月份，首席执行官布莱恩?莫伊尼汉还公布了一项名为“新美银计划（Project New BAC）”的瘦身方案。第一阶段，公司将在2014年前裁减3万个职位，将年度费用削减50亿美元或18%。

????巴克莱资本（Barclays Capital）5月份警告投资者未来五年内都不要指望美国银行的净资产会出现增长。但很多分析师们相信，今年以来跌幅明显的这支股票具有价值。欧美经济企稳可能令投资者重拾信心，推动股价回升。难就难在如何确定哪儿是底。

Bank of America

????Ticker: BAC

????YTD stock performance: -57%

????Market cap: $58 billion

????Fortune 500 rank: 9

????Bank of America isn't doing so hot in the eyes of the public and investors alike. BofA finished last among the big four banks in customer satisfaction in 2011, according to a report from the American Customer Satisfaction Index, trailing Wells Fargo, Citigroup, and J.P. Morgan Chase. Its stock has taken serious body blows all year, hitting a two-year low in November.

????BofA faced a public relations debacle at the end of September over a proposed $5-a-month customer service charge for debit card use; it withdrew the plan in early November. CEO Brian Moynihan also announced in September a streamlining company overhaul known as "Project New BAC." Under the first phase, the company will cut 30,000 jobs and reduce annual expenses by either $5 billion or 18% by 2014.

????Barclays Capital warned investors in May not to expect net asset growth for Bank of America over the next five years. But a number of analysts believe the stock is a value play as it's marched so far down this year. Economic stabilization in the U.S. or Europe could restore investor confidence, sending shares back up. The hard part is guessing when they'll hit bottom.