BAC
Bank of America Corporation
BAC has the edge over BSBK overall, supported by stronger valuation and stronger modeled upside.
BSBK
Bogota Financial Corp.
BSBK offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
BSBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BSBK's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BSBK.
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 BSBK in the historical PE scenario, which offers more potential upside but is not a forecast.
BSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 20x | $4.10 | -56% |
| Fair | 23x | $4.93 | -47% |
| Current | 44x | $9.34 | — |
| Expensive | 53x | $11.17 | +20% |
Historical ranges are pointers, not guarantees.
BSBK's PE is in its expensive range at 44x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
BSBK Forward outlook
There aren't enough analyst estimates for BSBK to show an outlook.
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 has the edge over BSBK on earnings, with more consistent year-over-year improvement.
BSBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.21 | +$0.24 |
| Q1 2026 | $0.17 | +$0.25 |
| Q4 2025 | $0.17 | +$0.34 |
| Q3 2025 | $0.04 | +$0.23 |
| Q2 2025 | -$0.03 | +$0.13 |
| Q1 2025 | -$0.08 | -$0.02 |
| Q4 2024 | -$0.17 | -440% |
| Q3 2024 | -$0.19 | -163% |
BSBK has returned to profit: it earned $0.21 per share over the past year, after losing money 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 has the edge over BSBK on profitability, with a higher operating margin.
BSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $4.5M | +12% |
| Q1 2026 | $4.7M | +5.9% |
| Q4 2025 | $4.5M | +55% |
| Q3 2025 | $4.2M | +41% |
| Q2 2025 | $4M | +32% |
| Q1 2025 | $4.5M | +52% |
| Q4 2024 | $2.9M | -9.4% |
| Q3 2024 | $3M | -15% |
BSBK's revenue is recovering but still below its 2021 peak: $5M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 19% | +15 points |
| Q1 2026 | 19% | +3.7 points |
| Q4 2025 | 15% | +31 points |
| Q3 2025 | 13% | +33 points |
| Q2 2025 | 4.3% | +28 points |
| Q1 2025 | 16% | +40 points |
| Q4 2024 | -16% | +37 points |
| Q3 2024 | -21% | -16 points |
BSBK's operating margin was 19% last quarter, up 15 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.
BSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $2.1M | +12% |
| Q1 2026 | $673.3K | +$725.5K |
| Q4 2025 | $988K | +$2.1M |
| Q3 2025 | $277.1K | +$608K |
| Q2 2025 | $1.9M | +36% |
| Q1 2025 | -$52.2K | +$3.1M |
| Q4 2024 | -$1.1M | -$816.1K |
| Q3 2024 | -$330.9K | -$296.8K |
BSBK 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 BSBK 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.
BSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -99.6K shares |
| 1 year | -1.1% | -134K shares |
| 3 years | -4.2% | -548K shares |
| 5 years | -4.6% | -600K shares |
| Available history | -4.9% | -650K shares |
BSBK has 13M diluted shares, down 1.1% from a year ago, with $3M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | $1.2M |
| Q1 2026 | $124,905 |
| Q4 2025 | $1.1M |
| Q3 2025 | $355,886 |
| Q2 2025 | — |
| Q1 2025 | $398,215 |
| Q4 2024 | $276,029 |
| Q3 2024 | $414,975 |
BSBK spent $3M buying back its own shares over the past year, up 155% 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.
BSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -9.0x | Net Cash |
| Q1 2026 | -10.4x | Net Cash |
| Q4 2025 | -14.4x | Net Cash |
| Q3 2025 | -23.3x | Net Cash |
| Q2 2025 | -90.8x | Net Cash |
| Q4 2023 | -25.1x | Net Cash |
| Q3 2023 | -4.7x | Net Cash |
| Q2 2023 | -3.6x | Net Cash |
BSBK 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).
BSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.2 | Neutral |
| Stochastic | 61.2 | Neutral |
BSBK's weekly RSI is 63 (neutral) and its Stochastic is 61 (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 BSBK on valuation relative to its sector.
BSBK PE vs Financial Services Sector
| Metric | BSBK | Sector median | Relative |
|---|---|---|---|
| PE | 44x | 13x | 242% above |
| PE % | 73 | 64 | 9 pts above |
BSBK is trading at 44x earnings, a 242% 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.
BSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.17 | 1.9% above |
| 20 week MA | $9.13 | 2.3% above |
| 50 week MA | $8.76 | 6.6% above |
| 100 week MA | $8.41 | 11% above |
| 200 week MA | $8.23 | 13% above |
BSBK 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.
BSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.6 | $9.17 | -21% |
| 2021 | $9.17 | $10.3 | +12% |
| 2022 | $10.3 | $11.5 | +12% |
| 2023 | $11.5 | $8.05 | -30% |
| 2024 | $8.05 | $7.57 | -6% |
| 2025 | $7.57 | $8.48 | +12% |
| 2026 YTD | $8.48 | $9.34 | +10% |
BSBK has the edge over BAC on returns for 2026, with the stronger performance.