BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
BOH
Bank of Hawaii Corporation
BOH has the edge over BAC overall, supported by stronger valuation and 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.
BOH Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BOH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BOH.
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 BOH in the historical PE scenario, which offers more potential upside but is not a forecast.
BOH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $69.51 | — |
| Cheap | 12x | $69.10 | -0.6% |
| Current | 12x | $69.51 | — |
| Fair | 15x | $84.23 | +21% |
| Expensive | 19x | $106 | +53% |
Historical ranges are pointers, not guarantees.
BOH's PE is in its cheap range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
BOH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BOH, 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'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.
BOH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.43 | +14% |
| Q3 2026 | $5.66 | +39% |
| Q2 2026 | $5.37 | +41% |
| Q1 2026 | $4.96 | +39% |
| Q4 2025 | $4.63 | +34% |
| Q3 2025 | $4.08 | +23% |
| Q2 2025 | $3.81 | +7% |
| Q1 2025 | $3.56 | -8% |
| Q4 2024 | $3.46 | -16% |
BOH earned $5.66 per share over the past year, up 39% 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'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.
BOH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $198.8M | +8.8% |
| Q2 2026 | $196.9M | +13% |
| Q1 2026 | $192.3M | +13% |
| Q4 2025 | $189.6M | +16% |
| Q3 2025 | $182.6M | +12% |
| Q2 2025 | $174.5M | +11% |
| Q1 2025 | $169.9M | +8.7% |
| Q4 2024 | $163.2M | +3.3% |
BOH has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +5 points |
| Q2 2026 | 42% | +7.1 points |
| Q1 2026 | 39% | +5.7 points |
| Q4 2025 | 41% | +9.4 points |
| Q3 2025 | 37% | +4.8 points |
| Q2 2025 | 35% | +5.8 points |
| Q1 2025 | 33% | +2.1 points |
| Q4 2024 | 32% | +6.5 points |
BOH 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.
BOH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $93M | +212% |
| Q2 2026 | $84.9M | +17% |
| Q1 2026 | $18.2M | +78% |
| Q4 2025 | $71.6M | -26% |
| Q3 2025 | $29.8M | +$53.7M |
| Q2 2025 | $72.6M | +72% |
| Q1 2025 | $10.2M | -81% |
| Q4 2024 | $96.3M | +342% |
BOH 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 BOH 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.
BOH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -182K shares |
| 1 year | -1.1% | -428K shares |
| 3 years | +0.3% | +133K shares |
| 5 years | -1.3% | -528K shares |
| Available history | -2.7% | -1.1M shares |
BOH has 40M diluted shares, down 1.1% from a year ago, with $54M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $20.2M |
| Q2 2026 | $17M |
| Q1 2026 | $15.1M |
| Q4 2025 | $1.3M |
| Q3 2025 | $135,000 |
| Q2 2025 | $286,000 |
| Q1 2025 | $3.3M |
| Q4 2024 | $161,000 |
BOH spent $54M buying back its own shares over the past year, more than ten times what it spent the year before.
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.
BOH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.2x | Healthy |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -0.9x | Net Cash |
BOH 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).
BOH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.4 | Neutral |
| Stochastic | 26.7 | Neutral |
BOH's weekly RSI is 39 (neutral) and its Stochastic is 27 (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 BOH on valuation relative to its sector.
BOH PE vs Financial Services Sector
| Metric | BOH | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.7% below |
| PE % | 17 | 63 | 46 pts below |
BOH is trading at 12x earnings, in line with 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.
BOH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $69.3 | 0.3% above |
| 20 week MA | $75.6 | 8% below |
| 50 week MA | $75.4 | 7.8% below |
| 100 week MA | $71.4 | 2.6% below |
| 200 week MA | $65.5 | 6.1% above |
BOH 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.
BOH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $94.8 | $77.0 | -19% |
| 2021 | $77.0 | $83.4 | +8.2% |
| 2022 | $83.4 | $76.8 | -7.9% |
| 2023 | $76.8 | $72.5 | -5.7% |
| 2024 | $72.5 | $70.4 | -2.9% |
| 2025 | $70.4 | $70.0 | -0.6% |
| 2026 YTD | $70.0 | $69.5 | -0.7% |
BOH has the edge over BAC on returns for 2026, with the stronger performance.