BAC
Bank of America Corporation
BAC has the edge over BKU overall, supported by stronger fundamentals and stronger valuation.
BKU
BankUnited, Inc.
BKU'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.
BKU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BKU'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 BKU.
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 BKU in the historical PE scenario, which offers more potential upside but is not a forecast.
BKU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.6x | $31.80 | -28% |
| Forward | 10x | $43.91 | — |
| Fair | 11x | $41.41 | -5.7% |
| Current | 12x | $43.91 | — |
| Expensive | 14x | $50.31 | +15% |
Historical ranges are pointers, not guarantees.
BKU'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.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over BKU on the outlook, with more favorable revenue expectations.
BKU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect BKU's earnings to grow and its profitability to improve, with its 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's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
BKU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.21 | +14% |
| Q3 2026 | $3.71 | +4.5% |
| Q2 2026 | $3.65 | +7% |
| Q1 2026 | $3.59 | +11% |
| Q4 2025 | $3.54 | +15% |
| Q3 2025 | $3.55 | +45% |
| Q2 2025 | $3.41 | +51% |
| Q1 2025 | $3.22 | +39% |
| Q4 2024 | $3.08 | +29% |
BKU has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 BKU 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.
BKU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $280.4M | +1.7% |
| Q2 2026 | $284.6M | +3.9% |
| Q1 2026 | $273.7M | +7.2% |
| Q4 2025 | $288.2M | +9% |
| Q3 2025 | $275.7M | +7.3% |
| Q2 2025 | $273.9M | +9.5% |
| Q1 2025 | $255.4M | +5.7% |
| Q4 2024 | $264.5M | +13% |
BKU's revenue has grown year over year for 10 quarters in a row: $280M last quarter, up 1.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -1 points |
| Q2 2026 | 33% | -1.1 points |
| Q1 2026 | 30% | -1.5 points |
| Q4 2025 | 31% | -4 points |
| Q3 2025 | 36% | +3.2 points |
| Q2 2025 | 34% | +5.1 points |
| Q1 2025 | 31% | +3.6 points |
| Q4 2024 | 35% | +25 points |
BKU 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.
BKU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $250.9M | +152% |
| Q2 2026 | $128.6M | +9.4% |
| Q1 2026 | $18.3M | +12% |
| Q4 2025 | $124.9M | -33% |
| Q3 2025 | $99.7M | +117% |
| Q2 2025 | $117.6M | -13% |
| Q1 2025 | $16.4M | -75% |
| Q4 2024 | $185.5M | +191% |
BKU 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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
BKU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.7% | -1.3M shares |
| 1 year | -5.7% | -4.3M shares |
| 3 years | -4.4% | -3.2M shares |
| 5 years | -23% | -20.5M shares |
| Available history | -26% | -25.1M shares |
BKU has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $98M |
| Q2 2026 | $50.6M |
| Q1 2026 | $60M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
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.
BKU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.1x | Net Cash |
| Q1 2026 | -0.2x | Net Cash |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 0.6x | Very low |
BKU 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).
BKU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.6 | Neutral |
| Stochastic | 37.2 | Neutral |
BKU's weekly RSI is 46 (neutral) and its Stochastic is 37 (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.
BKU PE vs Financial Services Sector
| Metric | BKU | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.1% below |
| PE % | 63 | 63 | Same percentile |
BKU 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.
BKU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.2 | 1.6% above |
| 20 week MA | $45.4 | 3.3% below |
| 50 week MA | $46.1 | 4.7% below |
| 100 week MA | $41.6 | 5.7% above |
| 200 week MA | $35.4 | 24% above |
BKU 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.
BKU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.4 | $34.1 | -6.2% |
| 2021 | $34.1 | $41.9 | +23% |
| 2022 | $41.9 | $33.7 | -20% |
| 2023 | $33.7 | $32.4 | -3.8% |
| 2024 | $32.4 | $38.4 | +18% |
| 2025 | $38.4 | $45.4 | +18% |
| 2026 YTD | $45.4 | $43.9 | -3.2% |
BKU has the edge over BAC on returns for 2026, with the stronger performance.