BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
BPOP
Popular, Inc.
BPOP has a slight edge over BAC overall on the model 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.
BPOP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BPOP'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 BPOP.
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 BPOP in the historical PE scenario, which offers more potential upside but is not a forecast.
BPOP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.8x | $89.50 | -44% |
| Fair | 9x | $139 | -12% |
| Forward | 9.5x | $159 | — |
| Current | 10x | $159 | — |
| Expensive | 12x | $188 | +19% |
Historical ranges are pointers, not guarantees.
BPOP's PE is 10x, 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
BPOP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BPOP, 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.
BPOP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $16.75 | +8.3% |
| Q3 2026 | $15.47 | +37% |
| Q2 2026 | $14.78 | +43% |
| Q1 2026 | $13.52 | +40% |
| Q4 2025 | $12.30 | +44% |
| Q3 2025 | $11.30 | +54% |
| Q2 2025 | $10.32 | +46% |
| Q1 2025 | $9.69 | +44% |
| Q4 2024 | $8.56 | +14% |
BPOP 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 BPOP 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.
BPOP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $874.6M | +7% |
| Q2 2026 | $874M | +9.2% |
| Q1 2026 | $835.8M | +10% |
| Q4 2025 | $823.8M | +9.1% |
| Q3 2025 | $817.7M | +11% |
| Q2 2025 | $800M | +8.9% |
| Q1 2025 | $757.7M | +6% |
| Q4 2024 | $755.5M | +7.5% |
BPOP's revenue has grown year over year for 11 quarters in a row: $875M last quarter, up 7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | +0.9 points |
| Q2 2026 | 37% | +4.8 points |
| Q1 2026 | 35% | +5.6 points |
| Q4 2025 | 34% | +4.5 points |
| Q3 2025 | 30% | +3.4 points |
| Q2 2025 | 32% | +2.6 points |
| Q1 2025 | 29% | +7.1 points |
| Q4 2024 | 29% | +16 points |
BPOP 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.
BPOP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $218.6M | +55% |
| Q2 2026 | $290M | +46% |
| Q1 2026 | $154.9M | +29% |
| Q4 2025 | $221.1M | +59% |
| Q3 2025 | $141.1M | -20% |
| Q2 2025 | $198.3M | +409% |
| Q1 2025 | $120.5M | +12% |
| Q4 2024 | $139.2M | 0% |
BPOP 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.
BPOP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -778K shares |
| 1 year | -5.9% | -4M shares |
| 3 years | -12% | -8.7M shares |
| 5 years | -21% | -17.1M shares |
| Available history | -35% | -33.9M shares |
BPOP has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2025 | $119.7M |
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.
BPOP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.0x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
BPOP 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).
BPOP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.2 | Neutral |
| Stochastic | 17.8 | Oversold |
BPOP's weekly RSI is 50 (neutral) and its Stochastic is 18 (oversold).
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.
BPOP PE vs Financial Services Sector
| Metric | BPOP | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 58 | 63 | 5 pts below |
BPOP 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.
BPOP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $158.1 | 0.3% above |
| 20 week MA | $165.5 | 4.2% below |
| 50 week MA | $149.7 | 5.9% above |
| 100 week MA | $128.2 | 24% above |
| 200 week MA | $103.3 | 54% above |
BPOP 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.
BPOP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $58.7 | $56.0 | -4.6% |
| 2021 | $56.0 | $80.7 | +44% |
| 2022 | $80.7 | $65.0 | -19% |
| 2023 | $65.0 | $82.1 | +26% |
| 2024 | $82.1 | $94.8 | +15% |
| 2025 | $94.8 | $126.0 | +33% |
| 2026 YTD | $126.0 | $158.5 | +26% |
BPOP has the edge over BAC on returns for 2026, with the stronger performance.