BAC
Bank of America Corporation
BAC has the edge over BPRN overall, supported by stronger modeled upside and stronger valuation.
BPRN
Princeton Bancorp, Inc.
BPRN'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.
BPRN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BPRN'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 BPRN.
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 BPRN in the historical PE scenario, which offers more potential upside but is not a forecast.
BPRN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $24.43 | -45% |
| Fair | 12x | $34.48 | -22% |
| Forward | 12x | $44.45 | — |
| Expensive | 14x | $42.58 | -4.2% |
| Current | 15x | $44.45 | — |
Historical ranges are pointers, not guarantees.
BPRN's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
BPRN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BPRN, 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.
BPRN Earnings Per Share
BPRN and BAC do not have enough comparable growth data to identify a winner.
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 BPRN 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 has the edge over BPRN on profitability, with a higher operating margin.
BPRN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $22.5M | +4.4% |
| Q2 2026 | $22.5M | +6.7% |
| Q1 2026 | $21.3M | +1.7% |
| Q4 2025 | $20.7M | +3.6% |
| Q3 2025 | $21.5M | +12% |
| Q2 2025 | $21.1M | +17% |
| Q1 2025 | $20.9M | +20% |
| Q4 2024 | $20M | +13% |
BPRN's revenue has grown year over year for nine quarters in a row: $22M last quarter, up 4.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.7% | -33 points |
| Q2 2026 | 41% | +38 points |
| Q1 2026 | 38% | +4.9 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 38% | +68 points |
| Q2 2025 | 2.8% | -31 points |
| Q1 2025 | 33% | +1.8 points |
| Q4 2024 | 34% | -1.2 points |
BPRN's operating margin was 5.7% last quarter, down 33 points from the same quarter a year ago.
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.
BPRN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7M | +51% |
| Q2 2026 | $1.8M | -38% |
| Q1 2026 | $4.9M | +369% |
| Q4 2025 | $12M | +220% |
| Q3 2025 | $4.7M | +508% |
| Q2 2025 | $2.9M | -26% |
| Q1 2025 | $1.1M | -78% |
| Q4 2024 | $3.8M | +40% |
BPRN 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.
BPRN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +19K shares |
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $272,000 |
| Q1 2026 | $55,000 |
| Q4 2025 | $304,000 |
| Q3 2025 | $1.9M |
| Q2 2025 | $5.5M |
| Q1 2025 | $163,000 |
| Q4 2024 | — |
BPRN spent $631,000 buying back its own shares over the past year, down 92% from 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.
BPRN Net Leverage
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).
BPRN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.4 | Neutral |
| Stochastic | 57.8 | Neutral |
BPRN's weekly RSI is 63 (neutral) and its Stochastic is 58 (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 BPRN on valuation relative to its sector.
BPRN PE vs Financial Services Sector
| Metric | BPRN | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 88 | 63 | 25 pts above |
BPRN is trading at 15x earnings, a 14% 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.
BPRN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.9 | 1.3% above |
| 20 week MA | $42.5 | 4.7% above |
| 50 week MA | $38.2 | 16% above |
| 100 week MA | $35.0 | 27% above |
| 200 week MA | $33.7 | 32% above |
BPRN 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.
BPRN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.9 | $23.6 | -26% |
| 2021 | $23.6 | $29.2 | +23% |
| 2022 | $29.2 | $31.6 | +8.2% |
| 2023 | $31.6 | $35.9 | +14% |
| 2024 | $35.9 | $34.4 | -4.3% |
| 2025 | $34.4 | $35.3 | +2.7% |
| 2026 YTD | $35.3 | $44.5 | +26% |
BPRN has the edge over BAC on returns for 2026, with the stronger performance.