AUB
Atlantic Union Bankshares Corporation
AUB has the edge over BAC overall, supported by stronger fundamentals and stronger valuation.
BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
AUB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
AUB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like AUB.
BAC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BAC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BAC.
AUB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.9x | $39.49 | — |
| Cheap | 11x | $39.88 | +1% |
| Current | 11x | $39.49 | — |
| Fair | 13x | $47.62 | +21% |
| Expensive | 17x | $62.29 | +58% |
Historical ranges are pointers, not guarantees.
AUB has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.4x | $39.50 | -22% |
| Forward | 10x | $50.51 | — |
| Current | 12x | $50.51 | — |
| Fair | 13x | $53.81 | +6.5% |
| Expensive | 15x | $62.23 | +23% |
Historical ranges are pointers, not guarantees.
BAC's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
AUB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect AUB's earnings to grow and its profitability to improve, with its revenue holding steady.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over AUB on the outlook, with more favorable revenue expectations.
AUB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.99 | +9.2% |
| Q3 2026 | $3.65 | +101% |
| Q2 2026 | $3.34 | +66% |
| Q1 2026 | $2.35 | +9.8% |
| Q4 2025 | $2.03 | -9.4% |
| Q3 2025 | $1.82 | -24% |
| Q2 2025 | $2.01 | -11% |
| Q1 2025 | $2.14 | -21% |
| Q4 2024 | $2.24 | -11% |
AUB earned $3.65 per share over the past year, up 101% from the year before.
BAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.92 | +17% |
| Q3 2026 | $4.19 | +14% |
| Q2 2026 | $4.34 | +27% |
| Q1 2026 | $4.02 | +20% |
| Q4 2025 | $3.81 | +19% |
| Q3 2025 | $3.66 | +33% |
| Q2 2025 | $3.41 | +20% |
| Q1 2025 | $3.35 | +16% |
| Q4 2024 | $3.21 | +4.2% |
BAC has the edge over AUB on earnings, with more consistent year-over-year improvement.
AUB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $383.2M | +3.3% |
| Q2 2026 | $415.4M | +3.1% |
| Q1 2026 | $367.2M | +72% |
| Q4 2025 | $387.2M | +77% |
| Q3 2025 | $371M | +71% |
| Q2 2025 | $402.9M | +93% |
| Q1 2025 | $213.3M | +23% |
| Q4 2024 | $218.5M | +19% |
AUB has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +14 points |
| Q2 2026 | 49% | +45 points |
| Q1 2026 | 42% | +13 points |
| Q4 2025 | 37% | +4 points |
| Q3 2025 | 31% | -11 points |
| Q2 2025 | 4.3% | -13 points |
| Q1 2025 | 29% | -5.7 points |
| Q4 2024 | 33% | -3.8 points |
AUB has the edge over BAC on profitability, with a higher operating margin.
BAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30B | +6.7% |
| Q2 2026 | $31.6B | +19% |
| Q1 2026 | $30.3B | +11% |
| Q4 2025 | $31.2B | +23% |
| Q3 2025 | $28.1B | +11% |
| Q2 2025 | $26.5B | +4.3% |
| Q1 2025 | $27.4B | +6% |
| Q4 2024 | $25.3B | +15% |
BAC's revenue has grown year over year for 10 quarters in a row: $30B last quarter, up 6.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -3.7 points |
| Q2 2026 | 37% | +7.6 points |
| Q1 2026 | 34% | +4.7 points |
| Q4 2025 | 40% | +12 points |
| Q3 2025 | 34% | +4.8 points |
| Q2 2025 | 29% | -0.7 points |
| Q1 2025 | 30% | +1.5 points |
| Q4 2024 | 28% | +14 points |
BAC's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
AUB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $182.5M | +16% |
| Q2 2026 | $150.2M | -92% |
| Q1 2026 | $127.3M | +105% |
| Q4 2025 | $114.5M | +16% |
| Q3 2025 | $156.9M | +132% |
| Q2 2025 | $1.9B | +2123% |
| Q1 2025 | $62M | +8.8% |
| Q4 2024 | $98.3M | +103% |
AUB has the edge over BAC on cash flow, with more consistent year-over-year improvement.
BAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.5B | -114% |
| Q2 2026 | $29B | +$38.2B |
| Q1 2026 | $41.8B | +$44B |
| Q4 2025 | -$22.9B | -189% |
| Q3 2025 | $46.9B | +$84.2B |
| Q2 2025 | -$9.1B | -150% |
| Q1 2025 | -$2.2B | +$13.4B |
| Q4 2024 | $25.9B | -21% |
BAC's free cash flow was $41.4B over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BAC.
AUB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -679K shares |
| 1 year | -0.2% | -345K shares |
| 3 years | +89% | +66.6M shares |
| 5 years | +86% | +65.3M shares |
| Available history | +76% | +61.4M shares |
AUB has 142M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $62.5M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | $23.2M |
BAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -72M shares |
| 1 year | -5.3% | -405M shares |
| 3 years | -11% | -854M shares |
| 5 years | -15% | -1.3B shares |
| Available history | -24% | -2.2B shares |
BAC has the edge over AUB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6B |
| Q2 2026 | $6B |
| Q1 2026 | $7.2B |
| Q4 2025 | $6.3B |
| Q3 2025 | $5.3B |
| Q2 2025 | $5.3B |
| Q1 2025 | $4.5B |
| Q4 2024 | $3.5B |
BAC spent $25.6B buying back its own shares over the past year, up 37% from the year before.
AUB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.2x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.0x | Healthy |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | -2.4x | Net Cash |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 0.6x | Very low |
AUB has the edge over BAC on leverage, with a lower net debt burden relative to earnings.
BAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 6.4x | High |
| Q2 2026 | 6.7x | High |
| Q1 2026 | 7.1x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 8.3x | High |
| Q2 2025 | 8.8x | High |
| Q1 2025 | 8.6x | High |
| Q4 2024 | 9.0x | High |
BAC's net debt is about 6.4 years of its operating earnings (EBITDA), down from 8.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BAC.
AUB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.5 | Neutral |
| Stochastic | 38.8 | Neutral |
AUB's weekly RSI is 50 (neutral) and its Stochastic is 39 (neutral).
BAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.1 | Neutral |
| Stochastic | 4.9 | Oversold |
BAC's weekly RSI is 37 (neutral) and its Stochastic is 5 (oversold).
AUB PE vs Financial Services Sector
| Metric | AUB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 13 | 63 | 50 pts below |
AUB has the edge over BAC on valuation relative to its sector.
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
AUB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.9 | 1.4% above |
| 20 week MA | $40.5 | 2.4% below |
| 50 week MA | $38.8 | 1.9% above |
| 100 week MA | $35.9 | 10% above |
| 200 week MA | $34.8 | 13% above |
AUB has the edge over BAC on trend strength, trading above more of its moving averages.
BAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.1 | 3% below |
| 20 week MA | $57.8 | 13% below |
| 50 week MA | $54.7 | 7.7% below |
| 100 week MA | $50.5 | 0% below |
| 200 week MA | $42.5 | 19% above |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
AUB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.9 | $32.9 | -13% |
| 2021 | $32.9 | $37.4 | +14% |
| 2022 | $37.4 | $34.9 | -6.7% |
| 2023 | $34.9 | $36.5 | +4.6% |
| 2024 | $36.5 | $38.1 | +4.2% |
| 2025 | $38.1 | $36.4 | -4.4% |
| 2026 YTD | $36.4 | $39.5 | +8.5% |
AUB has the edge over BAC on returns for 2026, with the stronger performance.
BAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $30.0 | -15% |
| 2021 | $30.0 | $44.4 | +48% |
| 2022 | $44.4 | $32.5 | -27% |
| 2023 | $32.5 | $33.7 | +3.7% |
| 2024 | $33.7 | $44.3 | +32% |
| 2025 | $44.3 | $56.2 | +27% |
| 2026 YTD | $56.2 | $50.5 | -10% |
BAC has finished higher in four of the last six years. It's down 10% so far in 2026.