BAC
Bank of America Corporation
BAC has the edge over CCBG overall, supported by stronger fundamentals and stronger valuation.
CCBG
Capital City Bank Group, Inc.
CCBG'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.
CCBG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CCBG'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 CCBG.
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.
CCBG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $39.02 | -24% |
| Fair | 12x | $43.99 | -14% |
| Forward | 13x | $51.09 | — |
| Expensive | 14x | $52.19 | +2.2% |
| Current | 14x | $51.09 | — |
Historical ranges are pointers, not guarantees.
CCBG 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 CCBG on the outlook, with more favorable valuation and revenue expectations.
CCBG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect CCBG'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 CCBG on earnings, with stronger typical year-over-year growth.
CCBG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.80 | +3.8% |
| Q3 2026 | $3.66 | +2.2% |
| Q2 2026 | $3.60 | +5.3% |
| Q1 2026 | $3.53 | +4.7% |
| Q4 2025 | $3.60 | +15% |
| Q3 2025 | $3.58 | +18% |
| Q2 2025 | $3.42 | +14% |
| Q1 2025 | $3.37 | +12% |
| Q4 2024 | $3.12 | +1.6% |
CCBG's earnings per share have climbed steadily: $3.66 over the past year, up 2.2% from the year before, and higher year over year for 16 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 has the edge over CCBG 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.
CCBG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $64.4M | -2.3% |
| Q2 2026 | $64.8M | +2.5% |
| Q1 2026 | $62.8M | +2.1% |
| Q4 2025 | $63.5M | +6% |
| Q3 2025 | $65.9M | +10% |
| Q2 2025 | $63.2M | +7.3% |
| Q1 2025 | $61.5M | +8.9% |
| Q4 2024 | $59.9M | +6.3% |
CCBG's revenue has held roughly level: $64M last quarter, down 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | +2.4 points |
| Q2 2026 | 33% | +1.1 points |
| Q1 2026 | 33% | -2.8 points |
| Q4 2025 | 29% | +0.3 points |
| Q3 2025 | 32% | +5.9 points |
| Q2 2025 | 32% | +2.4 points |
| Q1 2025 | 36% | +8.6 points |
| Q4 2024 | 29% | +3.6 points |
CCBG 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.
CCBG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $29.2M | +47% |
| Q2 2026 | $7.5M | -76% |
| Q1 2026 | $14.7M | -25% |
| Q4 2025 | $9.9M | +11% |
| Q3 2025 | $19.8M | +89% |
| Q2 2025 | $30.8M | +34% |
| Q1 2025 | $19.5M | +57% |
| Q4 2024 | $9M | +199% |
CCBG 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 CCBG 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.
CCBG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +26K shares |
| 1 year | +0.4% | +64K shares |
| 3 years | +1% | +167K shares |
| 5 years | +1.9% | +313K shares |
CCBG has 17M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $2.6M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
CCBG spent $3M buying back its own shares over the past year, after none 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.
CCBG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.0x | Very low |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.0x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | -0.0x | Net Cash |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 0.2x | Very low |
CCBG 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).
CCBG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.4 | Neutral |
| Stochastic | 53.7 | Neutral |
CCBG's weekly RSI is 59 (neutral) and its Stochastic is 54 (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 CCBG on valuation relative to its sector.
CCBG PE vs Financial Services Sector
| Metric | CCBG | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.2% above |
| PE % | 80 | 63 | 17 pts above |
CCBG 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.
CCBG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.9 | 2.3% above |
| 20 week MA | $50.6 | 0.9% above |
| 50 week MA | $47.0 | 8.8% above |
| 100 week MA | $42.8 | 20% above |
| 200 week MA | $36.8 | 39% above |
CCBG 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.
CCBG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.4 | $24.8 | -18% |
| 2021 | $24.8 | $26.6 | +7.2% |
| 2022 | $26.6 | $33.2 | +25% |
| 2023 | $33.2 | $29.4 | -11% |
| 2024 | $29.4 | $36.6 | +24% |
| 2025 | $36.6 | $42.6 | +16% |
| 2026 YTD | $42.6 | $51.1 | +20% |
CCBG has the edge over BAC on returns for 2026, with the stronger performance.