BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
CBAN
Colony Bankcorp, Inc.
CBAN has a slight edge over BAC overall on the model 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.
CBAN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CBAN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBAN.
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.
CBAN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.9x | $20.30 | — |
| Cheap | 9.4x | $17.14 | -16% |
| Fair | 11x | $20.26 | -0.2% |
| Current | 11x | $20.30 | — |
| Expensive | 13x | $22.83 | +12% |
Historical ranges are pointers, not guarantees.
CBAN 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 CBAN on the outlook, with more favorable profitability expectations.
CBAN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBAN, but weaker profitability.
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 CBAN on earnings, with stronger typical year-over-year growth.
CBAN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.28 | +25% |
| Q3 2026 | $1.82 | +14% |
| Q2 2026 | $1.65 | +3.8% |
| Q1 2026 | $1.60 | +11% |
| Q4 2025 | $1.59 | +17% |
| Q3 2025 | $1.60 | +28% |
| Q2 2025 | $1.59 | +26% |
| Q1 2025 | $1.44 | +15% |
| Q4 2024 | $1.36 | +9.7% |
CBAN's earnings per share have climbed steadily: $1.82 over the past year, up 14% from the year before, and higher year over year for 13 quarters in a row.
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.
CBAN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $42.6M | +30% |
| Q2 2026 | $42M | +29% |
| Q1 2026 | $39.9M | +33% |
| Q4 2025 | $36.9M | +20% |
| Q3 2025 | $32.8M | +15% |
| Q2 2025 | $32.5M | +16% |
| Q1 2025 | $30M | +6.6% |
| Q4 2024 | $30.8M | +9.2% |
CBAN has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | +9.1 points |
| Q2 2026 | 33% | +1.7 points |
| Q1 2026 | 26% | -1.3 points |
| Q4 2025 | 26% | -2.9 points |
| Q3 2025 | 22% | -2.4 points |
| Q2 2025 | 31% | +6.1 points |
| Q1 2025 | 28% | +3.6 points |
| Q4 2024 | 29% | +3.6 points |
CBAN 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 CBAN on cash flow, with more consistent year-over-year improvement.
CBAN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.7M | -67% |
| Q2 2026 | $8.2M | -48% |
| Q1 2026 | $53.8M | +206% |
| Q4 2025 | -$54.3M | -$50.5M |
| Q3 2025 | $14.1M | -30% |
| Q2 2025 | $15.8M | +1492% |
| Q1 2025 | $17.6M | +257% |
| Q4 2024 | -$3.8M | -174% |
CBAN's free cash flow was $12M over the past year, down 72% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CBAN.
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 CBAN 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.
CBAN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +60.6K shares |
| 1 year | +22% | +3.8M shares |
| 3 years | +21% | +3.7M shares |
| 5 years | +123% | +11.7M shares |
| Available history | +132% | +12.1M shares |
CBAN has 21M diluted shares, up 22% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $1.8M |
| Q4 2025 | $779,000 |
| Q3 2025 | — |
| Q2 2025 | $959,000 |
| Q1 2025 | $630,000 |
| Q4 2024 | $540,000 |
CBAN spent $3M buying back its own shares over the past year, up 20% 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 has the edge over CBAN on leverage, with a lower net debt burden relative to earnings.
CBAN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.5x | High |
| Q2 2026 | 7.4x | High |
| Q1 2026 | 9.2x | High |
| Q4 2025 | 5.4x | High |
| Q3 2025 | 9.7x | High |
| Q2 2025 | 9.7x | High |
| Q1 2025 | 11.1x | High |
| Q4 2024 | 5.9x | High |
CBAN's net debt is about 8.5 years of its operating earnings (EBITDA), down from 9.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CBAN.
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).
CBAN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.0 | Neutral |
| Stochastic | 25.3 | Neutral |
CBAN's weekly RSI is 48 (neutral) and its Stochastic is 25 (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.
CBAN PE vs Financial Services Sector
| Metric | CBAN | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 50 | 63 | 13 pts below |
CBAN 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.
CBAN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.3 | 0.2% above |
| 20 week MA | $20.9 | 2.9% below |
| 50 week MA | $20.1 | 0.9% above |
| 100 week MA | $18.2 | 12% above |
| 200 week MA | $15.1 | 34% above |
CBAN 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.
CBAN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.5 | $14.1 | -14% |
| 2021 | $14.1 | $16.8 | +19% |
| 2022 | $16.8 | $12.9 | -23% |
| 2023 | $12.9 | $13.3 | +3.1% |
| 2024 | $13.3 | $16.3 | +22% |
| 2025 | $16.3 | $18.1 | +11% |
| 2026 YTD | $18.1 | $20.3 | +12% |
CBAN has the edge over BAC on returns for 2026, with the stronger performance.