BAC
Bank of America Corporation
BAC has the edge over BSVN overall, supported by stronger fundamentals and stronger valuation.
BSVN
Bank7 Corp.
BSVN trails on the overall score without a compensating advantage in the available component scores.
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.
BSVN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Healthy | |
| N/A | |
| N/A |
BSVN's profitability is currently healthy, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like BSVN.
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 BSVN in the historical PE scenario, which offers more potential upside but is not a forecast.
BSVN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.4x | $31.80 | -46% |
| Fair | 9.3x | $40.06 | -32% |
| Forward | 11x | $58.65 | — |
| Expensive | 12x | $50.00 | -15% |
| Current | 14x | $58.65 | — |
Historical ranges are pointers, not guarantees.
BSVN's PE is in its expensive range at 14x. 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 |
BAC has the edge over BSVN on the outlook, with more favorable profitability expectations.
BSVN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for BSVN, but weaker profitability. However, they disagree widely on these estimates.
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 BSVN on earnings, with more consistent year-over-year improvement.
BSVN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.28 | +23% |
| Q3 2026 | $4.31 | -4.9% |
| Q2 2026 | $4.38 | -5.6% |
| Q1 2026 | $4.67 | -0.8% |
| Q4 2025 | $4.50 | -7% |
| Q3 2025 | $4.53 | +20% |
| Q2 2025 | $4.64 | +36% |
| Q1 2025 | $4.71 | +46% |
| Q4 2024 | $4.84 | +59% |
BSVN earned $4.31 per share over the past year, down 4.9% 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 has the edge over BSVN 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.
BSVN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.4M | -7.4% |
| Q2 2026 | $22.9M | -6.3% |
| Q1 2026 | $26.2M | +16% |
| Q4 2025 | $24.1M | -0.1% |
| Q3 2025 | $25.2M | +1.4% |
| Q2 2025 | $24.4M | +0.2% |
| Q1 2025 | $22.6M | -5.9% |
| Q4 2024 | $24.1M | -14% |
BSVN's revenue fell from its 2023 peak and has held roughly level since: $23M last quarter, down 7.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 58% | +2 points |
| Q2 2026 | 48% | -12 points |
| Q1 2026 | 60% | -0.2 points |
| Q4 2025 | 59% | -2.3 points |
| Q3 2025 | 56% | -6 points |
| Q2 2025 | 60% | -2.4 points |
| Q1 2025 | 61% | -1.3 points |
| Q4 2024 | 61% | +55 points |
BSVN 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 BSVN on cash flow, with more consistent year-over-year improvement.
BSVN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.4M | -12% |
| Q2 2026 | $5.4M | -38% |
| Q1 2026 | $14.2M | +73% |
| Q4 2025 | $8M | -32% |
| Q3 2025 | $16.4M | +29% |
| Q2 2025 | $8.8M | +35% |
| Q1 2025 | $8.2M | -59% |
| Q4 2024 | $11.8M | -26% |
BSVN's free cash flow was $42M over the past year, down 7.1% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BSVN.
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 BSVN 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.
BSVN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +35.8K shares |
| 1 year | +0.4% | +42.1K shares |
| 3 years | +4% | +366K shares |
| 5 years | +5.9% | +535K shares |
| Available history | -5% | -507K shares |
BSVN has 10M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $141,000 |
| Q2 2026 | — |
| Q1 2026 | $1.2M |
| Q4 2025 | $251,000 |
| Q3 2025 | $9,000 |
| Q2 2025 | $2,000 |
| Q1 2025 | $1M |
| Q4 2024 | $241,000 |
BSVN spent $2M buying back its own shares over the past year, up 24% 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.
BSVN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.0x | Net Cash |
| Q2 2026 | -3.9x | Net Cash |
| Q1 2026 | -4.1x | Net Cash |
| Q4 2025 | -4.2x | Net Cash |
| Q3 2025 | -4.1x | Net Cash |
| Q2 2025 | -3.7x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
BSVN 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).
BSVN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.1 | Overbought |
| Stochastic | 85.8 | Overbought |
BSVN's weekly RSI is 70 (overbought) and its Stochastic is 86 (overbought).
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 BSVN on valuation relative to its sector.
BSVN PE vs Financial Services Sector
| Metric | BSVN | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 4.5% above |
| PE % | 96 | 63 | 33 pts above |
BSVN is trading at 14x 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.
BSVN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $57.3 | 2.3% above |
| 20 week MA | $54.2 | 8.3% above |
| 50 week MA | $47.6 | 23% above |
| 100 week MA | $45.0 | 30% above |
| 200 week MA | $37.2 | 58% above |
BSVN 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.
BSVN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.0 | $13.9 | -27% |
| 2021 | $13.9 | $22.6 | +63% |
| 2022 | $22.6 | $25.7 | +14% |
| 2023 | $25.7 | $27.4 | +6.3% |
| 2024 | $27.4 | $45.8 | +67% |
| 2025 | $45.8 | $41.1 | -10% |
| 2026 YTD | $41.1 | $58.7 | +43% |
BSVN has the edge over BAC on returns for 2026, with the stronger performance.