BAC
Bank of America Corporation
BAC has the edge over BCML overall, supported by stronger modeled upside and stronger valuation.
BCML
BayCom Corp
BCML trails on the overall score without a compensating advantage in the available component scores.
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.
BCML Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
BCML's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCML.
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 BCML in the historical PE scenario, which offers more potential upside but is not a forecast.
BCML PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $7.48 | -76% |
| Fair | 11x | $9.65 | -69% |
| Forward | 13x | $31.04 | — |
| Expensive | 14x | $11.58 | -63% |
| Current | 37x | $31.04 | — |
Historical ranges are pointers, not guarantees.
BCML's PE is in its expensive range at 37x. On analysts' estimates for next year's earnings, today's price would be 13x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over BCML on the outlook, with more favorable earnings and profitability expectations.
BCML Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect BCML's revenue to grow, but its profitability to weaken.
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 BCML on earnings, with more consistent year-over-year improvement.
BCML Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.34 | +178% |
| Q3 2026 | $0.84 | -60% |
| Q2 2026 | $1.20 | -45% |
| Q1 2026 | $2.42 | +15% |
| Q4 2025 | $2.18 | +3.8% |
| Q3 2025 | $2.10 | 0% |
| Q2 2025 | $2.18 | +2.8% |
| Q1 2025 | $2.10 | -5% |
| Q4 2024 | $2.10 | -7.5% |
BCML earned $0.84 per share over the past year, down 60% from the year before.
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 BCML on sales, with more consistent year-over-year improvement.
| 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 has the edge over BCML on profitability, with a higher operating margin.
BCML Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $19.8M | -23% |
| Q2 2026 | $25.2M | +2.2% |
| Q1 2026 | $26.7M | +10% |
| Q4 2025 | $25.9M | +9.4% |
| Q3 2025 | $25.7M | +0.2% |
| Q2 2025 | $24.7M | +3.8% |
| Q1 2025 | $24.3M | -0.6% |
| Q4 2024 | $23.7M | -9.7% |
BCML's revenue fell from its 2022 peak and has held roughly level since: $20M last quarter, down 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.3% | -20 points |
| Q2 2026 | -29% | -64 points |
| Q1 2026 | 41% | +9.2 points |
| Q4 2025 | 37% | +2.4 points |
| Q3 2025 | 26% | -6.1 points |
| Q2 2025 | 35% | +3.4 points |
| Q1 2025 | 32% | -1.7 points |
| Q4 2024 | 34% | +0.6 points |
BCML's operating margin was 6.3% last quarter, down 20 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
BCML Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $12.5M | +101% |
| Q2 2026 | $4.5M | -19% |
| Q1 2026 | $6.7M | -27% |
| Q4 2025 | $9.1M | +15% |
| Q3 2025 | $6.2M | -33% |
| Q2 2025 | $5.6M | -24% |
| Q1 2025 | $9.1M | +132% |
| Q4 2024 | $7.9M | +13% |
BCML's free cash flow was $33M over the past year, up 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BCML.
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 BCML 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.
BCML Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +10.8K shares |
| 1 year | -0.1% | -9.7K shares |
| 3 years | -7.6% | -892K shares |
| 5 years | +0.2% | +26.7K shares |
| Available history | -7.1% | -839K shares |
BCML has 11M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $813,000 |
| Q3 2025 | $909,000 |
| Q2 2025 | $3.9M |
| Q1 2025 | $1.3M |
| Q4 2024 | $34,000 |
| Q3 2024 | $1.1M |
| Q2 2024 | $4.1M |
| Q1 2024 | $4M |
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.
BCML Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2020 | -0.3x | Net Cash |
| Q2 2020 | -0.2x | Net Cash |
| Q1 2020 | -0.3x | Net Cash |
| Q4 2019 | -11.0x | Net Cash |
BCML has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BCML.
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).
BCML Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.7 | Neutral |
| Stochastic | 63.9 | Neutral |
BCML's weekly RSI is 52 (neutral) and its Stochastic is 64 (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 BCML on valuation relative to its sector.
BCML PE vs Financial Services Sector
| Metric | BCML | Sector median | Relative |
|---|---|---|---|
| PE | 37x | 13x | 184% above |
| PE % | 100 | 63 | 37 pts above |
BCML is trading at 37x earnings, a 184% 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.
BCML Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.9 | 0.5% above |
| 20 week MA | $31.1 | 0.3% below |
| 50 week MA | $30.5 | 1.6% above |
| 100 week MA | $28.9 | 7.3% above |
| 200 week MA | $24.8 | 25% above |
BCML 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.
BCML Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.9 | $14.9 | -35% |
| 2021 | $14.9 | $18.4 | +23% |
| 2022 | $18.4 | $18.9 | +2.7% |
| 2023 | $18.9 | $23.6 | +25% |
| 2024 | $23.6 | $26.8 | +13% |
| 2025 | $26.8 | $30.4 | +13% |
| 2026 YTD | $30.4 | $31.0 | +2.2% |
BCML has the edge over BAC on returns for 2026, with the stronger performance.