BAC
Bank of America Corporation
BAC has the edge over CB overall, supported by stronger modeled upside and stronger fundamentals.
CB
Chubb Limited
CB'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.
CB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CB'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 CB.
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.
CB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $317 | -15% |
| Fair | 13x | $363 | -2.3% |
| Current | 13x | $372 | — |
| Forward | 13x | $372 | — |
| Expensive | 16x | $457 | +23% |
Historical ranges are pointers, not guarantees.
CB 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 |
BAC has the edge over CB on the outlook, with more favorable valuation and revenue expectations.
CB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Moderate | |
| Moderate |
Analysts expect CB's earnings to grow and its profitability to improve, with its revenue holding steady.
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 CB on earnings, with more consistent year-over-year improvement.
CB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $28.98 | +1.6% |
| Q3 2026 | $28.53 | +19% |
| Q2 2026 | $28.22 | +25% |
| Q1 2026 | $28.27 | +36% |
| Q4 2025 | $25.68 | +13% |
| Q3 2025 | $23.94 | -1.8% |
| Q2 2025 | $22.65 | -4.2% |
| Q1 2025 | $20.76 | -7.7% |
| Q4 2024 | $22.70 | +4.1% |
CB earned $28.53 per share over the past year, up 19% 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 CB 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 CB on profitability, with a higher operating margin.
CB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.2B | +0.3% |
| Q2 2026 | $15.8B | +6.6% |
| Q1 2026 | $14.8B | +11% |
| Q4 2025 | $15.1B | +6.3% |
| Q3 2025 | $16.1B | +8.7% |
| Q2 2025 | $14.8B | +7.2% |
| Q1 2025 | $13.4B | +3.6% |
| Q4 2024 | $14.2B | +9.1% |
CB's revenue has grown year over year for 18 quarters in a row: $16.2B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -3.1 points |
| Q2 2026 | 23% | -2.1 points |
| Q1 2026 | 20% | +7.8 points |
| Q4 2025 | 25% | +3 points |
| Q3 2025 | 24% | +3.9 points |
| Q2 2025 | 25% | +5.5 points |
| Q1 2025 | 12% | -8 points |
| Q4 2024 | 22% | +1.9 points |
CB's operating margin was 21% last quarter, down 3.1 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.
CB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.1B | +67% |
| Q2 2026 | $3.7B | +5% |
| Q1 2026 | $3.9B | +152% |
| Q4 2025 | $4.1B | -11% |
| Q3 2025 | $3.6B | -16% |
| Q2 2025 | $3.6B | -13% |
| Q1 2025 | $1.6B | -51% |
| Q4 2024 | $4.6B | +43% |
CB's free cash flow was $17.8B over the past year, up 34% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CB.
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 CB 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.
CB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -1.9M shares |
| 1 year | -2.9% | -11.5M shares |
| 3 years | -5.6% | -23.2M shares |
| 5 years | -11% | -49.1M shares |
| Available history | -15% | -69.5M shares |
CB has 389M diluted shares, down 2.9% from a year ago, with $4.4B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1B |
| Q2 2026 | $1.1B |
| Q1 2026 | $1.2B |
| Q4 2025 | $1.2B |
| Q3 2025 | $1.1B |
| Q2 2025 | $746M |
| Q1 2025 | $691M |
| Q4 2024 | $450M |
CB spent $4.4B buying back its own shares over the past year, up 50% 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.
CB 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).
CB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.4 | Neutral |
| Stochastic | 78.5 | Neutral |
CB's weekly RSI is 66 (neutral) and its Stochastic is 78 (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 CB on valuation relative to its sector.
CB PE vs Financial Services Sector
| Metric | CB | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.1% above |
| PE % | 56 | 63 | 7 pts below |
CB is trading at 13x 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.
CB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $352.7 | 5.4% above |
| 20 week MA | $349.4 | 6.4% above |
| 50 week MA | $332.3 | 12% above |
| 100 week MA | $306.4 | 21% above |
| 200 week MA | $271.1 | 37% above |
CB 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.
CB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $155.8 | $150.8 | -3.2% |
| 2021 | $150.8 | $190.6 | +26% |
| 2022 | $190.6 | $219.7 | +15% |
| 2023 | $219.7 | $226.0 | +2.9% |
| 2024 | $226.0 | $277.7 | +23% |
| 2025 | $277.7 | $313.5 | +13% |
| 2026 YTD | $313.5 | $371.8 | +19% |
CB has the edge over BAC on returns for 2026, with the stronger performance.