BAC
Bank of America Corporation
BAC has a slight edge over BSAC overall, supported by stronger fundamentals and stronger modeled upside.
BSAC
Banco Santander-Chile
BSAC'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.
BSAC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BSAC'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 BSAC.
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'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, in its cheap range.
BSAC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $24.82 | -22% |
| Fair | 12x | $29.10 | -9% |
| Current | 13x | $31.97 | — |
| Expensive | 14x | $34.00 | +6.3% |
Historical ranges are pointers, not guarantees.
BSAC has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
BSAC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BSAC, 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.
BSAC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $2.46 | +8.4% |
| Q1 2026 | $2.23 | +3.2% |
| Q4 2025 | $2.23 | +22% |
| Q3 2025 | $2.28 | +27% |
| Q2 2025 | $2.27 | +63% |
| Q1 2025 | $2.16 | +80% |
| Q4 2024 | $1.83 | +49% |
| Q3 2024 | $1.79 | +108% |
BSAC 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 BSAC 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
BSAC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1.2B | +2.7% |
| Q1 2026 | $734.2M | -30% |
| Q4 2025 | $1.8B | +45% |
| Q3 2025 | $1.1B | +95% |
| Q2 2025 | $1.2B | -2.4% |
| Q1 2025 | $1.1B | -9.6% |
| Q4 2024 | $1.2B | -9% |
| Q3 2024 | $559M | -54% |
BSAC's revenue is growing: $1.2B last quarter, up 2.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 37% | +9.4 points |
| Q1 2026 | 46% | +14 points |
| Q4 2025 | 16% | -11 points |
| Q3 2025 | 28% | -32 points |
| Q2 2025 | 27% | +4.5 points |
| Q1 2025 | 32% | +18 points |
| Q4 2024 | 27% | +3.5 points |
| Q3 2024 | 60% | +54 points |
BSAC 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 has the edge over BSAC on cash generation, producing positive trailing cash flow while its opponent burns cash.
BSAC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$121.7M | -114% |
| Q1 2026 | -$216.5M | -$8.4M |
| Q4 2025 | -$438.3M | -42765% |
| Q3 2025 | $536M | +49500% |
| Q2 2025 | $887.3M | +78% |
| Q1 2025 | -$208.1M | -$122.4M |
| Q4 2024 | $1M | -34% |
| Q3 2024 | $1.1M | +$479.5M |
BSAC's free cash flow was −$240M over the past year, against $681M the year before. Free cash flow isn't a meaningful measure for financial services companies like BSAC.
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 BSAC 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.
BSAC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +317 shares |
| 1 year | 0% | -- |
| 3 years | 0% | -- |
| 5 years | 0% | -- |
| Available history | 0% | -- |
BSAC has 471M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
BSAC hasn't bought back shares in the past year.
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 has the edge over BSAC on leverage, with a lower net debt burden relative to earnings.
BSAC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 6.5x | High |
| Q1 2026 | 33.2x | High |
| Q4 2025 | 7.7x | High |
| Q3 2025 | 7.8x | High |
| Q2 2025 | 8.9x | High |
| Q1 2025 | 7.3x | High |
| Q4 2024 | 7.9x | High |
| Q3 2024 | 10.9x | High |
BSAC's net debt is about 6.5 years of its operating earnings (EBITDA), down from 8.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BSAC.
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).
BSAC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.6 | Neutral |
| Stochastic | 30.1 | Neutral |
BSAC's weekly RSI is 47 (neutral) and its Stochastic is 30 (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 BSAC on valuation relative to its sector.
BSAC PE vs Financial Services Sector
| Metric | BSAC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.2% below |
| PE % | 72 | 63 | 9 pts above |
BSAC is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
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.
BSAC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.2 | 0.8% below |
| 20 week MA | $33.5 | 4.6% below |
| 50 week MA | $33.0 | 3.1% below |
| 100 week MA | $28.5 | 12% above |
| 200 week MA | $23.7 | 35% above |
BSAC 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.
BSAC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.2 | $19.5 | -16% |
| 2021 | $19.5 | $16.2 | -17% |
| 2022 | $16.2 | $15.5 | -4.7% |
| 2023 | $15.5 | $19.5 | +26% |
| 2024 | $19.5 | $19.0 | -2.5% |
| 2025 | $19.0 | $31.7 | +67% |
| 2026 YTD | $31.7 | $32.0 | +0.9% |
BSAC has the edge over BAC on returns for 2026, with the stronger performance.