BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
BBT
Beacon Financial Corp.
BBT has a slight edge over BAC overall, supported by stronger fundamentals.
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.
BBT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BBT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BBT.
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 BBT in the historical PE scenario, which offers more potential upside but is not a forecast.
BBT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.4x | $30.68 | — |
| Cheap | 9.8x | $26.30 | -14% |
| Current | 11x | $30.68 | — |
| Fair | 14x | $37.89 | +24% |
| Expensive | 24x | $65.84 | +115% |
Historical ranges are pointers, not guarantees.
BBT's PE is 11x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over BBT on the outlook, with more favorable earnings and revenue expectations.
BBT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect BBT's profitability to improve, with its earnings and revenue holding steady.
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 BBT on earnings, with more consistent year-over-year improvement.
BBT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.26 | +21% |
| Q3 2026 | $2.69 | +142% |
| Q2 2026 | $1.39 | -46% |
| Q1 2026 | $1.28 | -48% |
| Q4 2025 | $1.29 | -10% |
| Q3 2025 | $1.11 | +17% |
| Q2 2025 | $2.56 | +392% |
| Q1 2025 | $2.47 | +394% |
| Q4 2024 | $1.44 | -10% |
BBT earned $2.69 per share over the past year, up 142% from the year before. Its recent earnings include one-off gains.
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.
BBT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $223.2M | +54% |
| Q2 2026 | $219.2M | +93% |
| Q1 2026 | $214.7M | +94% |
| Q4 2025 | $225.7M | +105% |
| Q3 2025 | $145M | +15% |
| Q2 2025 | $113.7M | +4.6% |
| Q1 2025 | $110.4M | +99% |
| Q4 2024 | $110.2M | +38% |
BBT has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +86 points |
| Q2 2026 | 40% | +3.2 points |
| Q1 2026 | 31% | -0.6 points |
| Q4 2025 | 33% | +9.2 points |
| Q3 2025 | -50% | -88 points |
| Q2 2025 | 37% | +7.8 points |
| Q1 2025 | 31% | +79 points |
| Q4 2024 | 24% | +32 points |
BBT 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.
BBT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $95.5M | +$99.1M |
| Q2 2026 | $64.1M | +77% |
| Q1 2026 | -$13.8M | -170% |
| Q4 2025 | $159.6M | +381% |
| Q3 2025 | -$3.6M | -108% |
| Q2 2025 | $36.3M | +5.5% |
| Q1 2025 | $19.9M | +200% |
| Q4 2024 | $33.2M | -35% |
BBT has the edge over BAC on cash flow, with more consistent year-over-year improvement.
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 BBT 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.
BBT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +58.1K shares |
| 1 year | -4% | -3.5M shares |
| 3 years | +94% | +40.7M shares |
| 5 years | +72% | +35.3M shares |
| Available history | +66% | +33.3M shares |
BBT has 84M diluted shares, down 4% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $2,000 |
| Q3 2024 | $1,000 |
| Q2 2024 | $13.5M |
| Q1 2024 | $4M |
| Q4 2023 | $6.7M |
| Q3 2023 | $3.6M |
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.
BBT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2019 | 1.8x | Healthy |
BBT's net debt is about 1.8 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like BBT.
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).
BBT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.9 | Neutral |
| Stochastic | 65.5 | Neutral |
BBT's weekly RSI is 54 (neutral) and its Stochastic is 66 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
BBT PE vs Financial Services Sector
| Metric | BBT | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 12% below |
| PE % | 36 | 63 | 27 pts below |
BBT has the edge over BAC on valuation relative to its sector.
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.
BBT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.2 | 5.2% above |
| 20 week MA | $30.3 | 1.2% above |
| 50 week MA | $29.6 | 3.7% above |
| 100 week MA | $27.8 | 11% above |
| 200 week MA | $25.9 | 19% above |
BBT 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.
BBT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.8 | $17.6 | -46% |
| 2021 | $17.6 | $28.4 | +61% |
| 2022 | $28.4 | $29.6 | +4.3% |
| 2023 | $29.6 | $24.8 | -16% |
| 2024 | $24.8 | $28.3 | +14% |
| 2025 | $28.3 | $26.9 | -4.9% |
| 2026 YTD | $26.9 | $30.7 | +14% |
BBT has the edge over BAC on returns for 2026, with the stronger performance.