BAC
Bank of America Corporation
BAC has a slight edge over BANF overall, supported by stronger fundamentals and stronger modeled upside.
BANF
BancFirst Corporation
BANF's outlook is improving, though it still trails on the overall score.
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.
BANF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BANF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BANF.
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 has the edge over BANF in the historical PE scenario, which offers more potential upside but is not a forecast.
BANF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 13x | $101 | -15% |
| Forward | 15x | $119 | — |
| Fair | 16x | $118 | -0.9% |
| Current | 16x | $119 | — |
| Expensive | 19x | $144 | +22% |
Historical ranges are pointers, not guarantees.
BANF's PE is in its fair range at 16x. If earnings grow as analysts expect, today's price would be 15x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
BANF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BANF, with profitability improving.
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 BANF on earnings, with stronger typical year-over-year growth.
BANF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.12 | +7.9% |
| Q3 2026 | $7.53 | +7% |
| Q2 2026 | $7.41 | +6.8% |
| Q1 2026 | $7.30 | +11% |
| Q4 2025 | $7.11 | +10% |
| Q3 2025 | $7.04 | +13% |
| Q2 2025 | $6.94 | +16% |
| Q1 2025 | $6.60 | +7.8% |
| Q4 2024 | $6.44 | +1.6% |
BANF's earnings per share have climbed steadily: $7.53 over the past year, up 7% from the year before, and higher year over year for eight quarters in a row.
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 has the edge over BANF on sales, with stronger typical year-over-year growth.
| 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.
BANF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $187.4M | +6.8% |
| Q2 2026 | $187.5M | +11% |
| Q1 2026 | $179M | +8.6% |
| Q4 2025 | $181M | +11% |
| Q3 2025 | $175.5M | +7.2% |
| Q2 2025 | $169.3M | +10% |
| Q1 2025 | $164.8M | +9.2% |
| Q4 2024 | $162.9M | +8.5% |
BANF's revenue has grown year over year for nine quarters in a row: $187M last quarter, up 6.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +0.9 points |
| Q2 2026 | 45% | -1.7 points |
| Q1 2026 | 45% | +1.6 points |
| Q4 2025 | 42% | -2.6 points |
| Q3 2025 | 45% | -0.1 points |
| Q2 2025 | 47% | +4.7 points |
| Q1 2025 | 43% | +0.6 points |
| Q4 2024 | 44% | +4 points |
BANF has the edge over BAC on profitability, with a higher operating margin.
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.
BANF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $69.9M | +9.7% |
| Q2 2026 | $73.3M | +14% |
| Q1 2026 | $65.1M | -0.9% |
| Q4 2025 | $43.2M | +2075% |
| Q3 2025 | $63.7M | -12% |
| Q2 2025 | $64.4M | -32% |
| Q1 2025 | $65.6M | +17% |
| Q4 2024 | $2M | -95% |
BANF's free cash flow was $251M over the past year, up 28% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BANF.
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 BANF 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.
BANF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +28.6K shares |
| 1 year | +0.7% | +222K shares |
| 3 years | +1.6% | +547K shares |
| 5 years | +2.5% | +818K shares |
| Available history | +2.3% | +756K shares |
BANF has 34M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q4 2021 | $1,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $3.1M |
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.
BANF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -0.4x | Net Cash |
| Q3 2025 | -0.3x | Net Cash |
| Q2 2025 | -0.5x | Net Cash |
| Q1 2025 | -0.6x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
BANF has the edge over BAC on leverage, with a lower net debt burden relative to earnings.
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).
BANF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.4 | Neutral |
| Stochastic | 73.9 | Neutral |
BANF's weekly RSI is 60 (neutral) and its Stochastic is 74 (neutral).
BAC PE vs Financial Services Sector
| Metric | BAC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 40 | 63 | 23 pts below |
BAC has the edge over BANF on valuation relative to its sector.
BANF PE vs Financial Services Sector
| Metric | BANF | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 21% above |
| PE % | 53 | 63 | 10 pts below |
BANF is trading at 16x earnings, a 21% premium to the Financial Services sector's median of 13x.
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.
BANF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $110.9 | 6.9% above |
| 20 week MA | $112.3 | 5.6% above |
| 50 week MA | $111.8 | 6.1% above |
| 100 week MA | $115.8 | 2.4% above |
| 200 week MA | $104.6 | 13% above |
BANF has the edge over BAC on trend strength, trading above more of its moving averages.
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.
BANF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $63.3 | $58.1 | -8.2% |
| 2021 | $58.1 | $69.1 | +19% |
| 2022 | $69.1 | $88.6 | +28% |
| 2023 | $88.6 | $97.3 | +9.9% |
| 2024 | $97.3 | $119.9 | +23% |
| 2025 | $119.9 | $109.7 | -8.5% |
| 2026 YTD | $109.7 | $118.6 | +8.1% |
BANF has the edge over BAC on returns for 2026, with the stronger performance.