BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
CATY
Cathay General Bancorp
CATY has a slight edge over BAC overall, supported by stronger fundamentals.
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.
CATY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CATY's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CATY.
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 CATY in the historical PE scenario, which offers more potential upside but is not a forecast.
CATY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $42.03 | -36% |
| Fair | 11x | $58.42 | -10% |
| Forward | 11x | $65.27 | — |
| Expensive | 12x | $65.49 | +0.3% |
| Current | 12x | $65.27 | — |
Historical ranges are pointers, not guarantees.
CATY's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x 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.
CATY Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CATY, 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 has the edge over CATY on earnings, with more consistent year-over-year improvement.
CATY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.09 | +12% |
| Q3 2026 | $5.42 | +25% |
| Q2 2026 | $5.12 | +24% |
| Q1 2026 | $4.85 | +23% |
| Q4 2025 | $4.54 | +15% |
| Q3 2025 | $4.32 | +8.8% |
| Q2 2025 | $4.13 | -0.7% |
| Q1 2025 | $3.95 | -13% |
| Q4 2024 | $3.95 | -19% |
CATY earned $5.42 per share over the past year, up 25% 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'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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
CATY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $254.6M | +21% |
| Q2 2026 | $222.3M | +13% |
| Q1 2026 | $214.8M | +14% |
| Q4 2025 | $222.8M | +19% |
| Q3 2025 | $210.6M | +11% |
| Q2 2025 | $196.6M | +10% |
| Q1 2025 | $187.8M | +7.2% |
| Q4 2024 | $186.5M | -9.1% |
CATY's revenue has grown year over year for seven quarters in a row: $255M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +3.6 points |
| Q2 2026 | 53% | +4.5 points |
| Q1 2026 | 51% | +5 points |
| Q4 2025 | 51% | +4.4 points |
| Q3 2025 | 45% | +3.3 points |
| Q2 2025 | 49% | +8.3 points |
| Q1 2025 | 46% | +0.5 points |
| Q4 2024 | 47% | +1.2 points |
CATY 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.
CATY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $80.7M | -46% |
| Q2 2026 | $233.5M | +272% |
| Q1 2026 | $96M | -0.2% |
| Q4 2025 | $54.6M | -36% |
| Q3 2025 | $150.1M | +88% |
| Q2 2025 | $62.7M | -13% |
| Q1 2025 | $96.3M | +10% |
| Q4 2024 | $85.8M | +34% |
CATY's free cash flow was $465M over the past year, up 18% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CATY.
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 CATY 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.
CATY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -543K shares |
| 1 year | -3.2% | -2.2M shares |
| 3 years | -8.4% | -6.1M shares |
| 5 years | -15% | -11.4M shares |
| Available history | -17% | -13.5M shares |
CATY has 67M diluted shares, down 3.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | $16,000 |
| Q3 2023 | $9,000 |
| Q2 2023 | $44,000 |
| Q1 2023 | $16.7M |
| Q4 2022 | $31.5M |
| Q3 2022 | $46.3M |
| Q2 2022 | $30.6M |
| Q1 2022 | $32.9M |
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.
CATY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | -0.1x | Net Cash |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | -0.1x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
CATY 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).
CATY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.4 | Neutral |
| Stochastic | 73.4 | Neutral |
CATY's weekly RSI is 65 (neutral) and its Stochastic is 73 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
CATY PE vs Financial Services Sector
| Metric | CATY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.5% below |
| PE % | 82 | 63 | 19 pts above |
CATY 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.
CATY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.5 | 4.5% above |
| 20 week MA | $62.6 | 4.3% above |
| 50 week MA | $56.9 | 15% above |
| 100 week MA | $51.3 | 27% above |
| 200 week MA | $45.2 | 45% above |
CATY 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.
CATY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.1 | $31.5 | -17% |
| 2021 | $31.5 | $42.3 | +34% |
| 2022 | $42.3 | $41.1 | -2.9% |
| 2023 | $41.1 | $44.6 | +8.4% |
| 2024 | $44.6 | $48.0 | +7.8% |
| 2025 | $48.0 | $50.0 | +4.1% |
| 2026 YTD | $50.0 | $65.3 | +31% |
CATY has the edge over BAC on returns for 2026, with the stronger performance.