BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
CFFN
Capitol Federal Financial, Inc.
CFFN has the edge over BAC overall, supported by stronger valuation and 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.
CFFN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CFFN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFFN.
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.
CFFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $8.46 | — |
| Cheap | 13x | $8.40 | -0.7% |
| Current | 13x | $8.46 | — |
| Fair | 15x | $10.01 | +18% |
| Expensive | 21x | $13.83 | +63% |
Historical ranges are pointers, not guarantees.
CFFN 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
CFFN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CFFN, 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's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
CFFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.78 | +19% |
| Q2 2026 | $0.65 | +38% |
| Q1 2026 | $0.60 | +50% |
| Q4 2025 | $0.56 | +44% |
| Q3 2025 | $0.52 | +79% |
| Q2 2023 | $0.43 | -31% |
| Q1 2023 | $0.53 | -10% |
| Q4 2022 | $0.58 | 0% |
| Q3 2022 | $0.62 | +11% |
CFFN earned $0.65 per share over the past year, up 38% 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.
CFFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $60.2M | +19% |
| Q1 2026 | $57.7M | +18% |
| Q4 2025 | $56.8M | +21% |
| Q3 2025 | $54.6M | +20% |
| Q2 2025 | $50.7M | +13% |
| Q1 2025 | $48.8M | +6.2% |
| Q4 2024 | $46.9M | +53% |
| Q2 2024 | $45M | +11% |
CFFN's revenue has grown year over year for eight quarters in a row: $60M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 49% | +6 points |
| Q1 2026 | 43% | +4 points |
| Q4 2025 | 44% | +3.7 points |
| Q3 2025 | 42% | +0.1 points |
| Q2 2025 | 43% | +8 points |
| Q1 2025 | 39% | +2 points |
| Q4 2024 | 41% | +34 points |
| Q3 2024 | 42% | N/A |
CFFN 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.
CFFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $15.7M | +46% |
| Q1 2026 | $20.1M | +37% |
| Q4 2025 | $15.8M | +255% |
| Q3 2025 | $19.9M | +$24.7M |
| Q2 2025 | $10.8M | -35% |
| Q1 2025 | $14.7M | -23% |
| Q4 2024 | $4.5M | +$11.1M |
| Q2 2024 | $16.4M | +128% |
CFFN 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 CFFN 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.
CFFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.1% | -2.6M shares |
| 1 year | -4.7% | -6.1M shares |
| 3 years | -6.9% | -9.1M shares |
| 5 years | -8.5% | -11.5M shares |
| Available history | -10% | -13.9M shares |
CFFN has 124M diluted shares, down 4.7% from a year ago, with $50M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | $14.2M |
| Q1 2026 | $15.8M |
| Q4 2025 | $16M |
| Q3 2025 | $3.9M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $1,000 |
CFFN spent $50M buying back its own shares over the past year, more than ten times what it spent 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.
CFFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -3.2x | Net Cash |
| Q4 2025 | -2.4x | Net Cash |
| Q3 2025 | 18.7x | High |
| Q2 2025 | -2.0x | Net Cash |
| Q1 2025 | -4.2x | Net Cash |
| Q4 2024 | -2.1x | Net Cash |
| Q3 2024 | 31.3x | High |
CFFN 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).
CFFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.3 | Neutral |
| Stochastic | 39.0 | Neutral |
CFFN's weekly RSI is 54 (neutral) and its Stochastic is 39 (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 CFFN on valuation relative to its sector.
CFFN PE vs Financial Services Sector
| Metric | CFFN | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | Same PE |
| PE % | 19 | 63 | 44 pts below |
CFFN 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.
CFFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.44 | 0.2% above |
| 20 week MA | $8.60 | 1.6% below |
| 50 week MA | $7.87 | 7.5% above |
| 100 week MA | $6.92 | 22% above |
| 200 week MA | $6.51 | 30% above |
CFFN 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.
CFFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.7 | $12.4 | -9.8% |
| 2021 | $12.4 | $11.4 | -8.2% |
| 2022 | $11.4 | $8.60 | -24% |
| 2023 | $8.60 | $6.45 | -25% |
| 2024 | $6.45 | $5.95 | -7.8% |
| 2025 | $5.95 | $7.00 | +18% |
| 2026 YTD | $7.00 | $8.46 | +21% |
CFFN has the edge over BAC on returns for 2026, with the stronger performance.