BAC
Bank of America Corporation
BAC has the edge over CHCO overall, supported by stronger fundamentals and stronger valuation.
CHCO
City Holding Company
CHCO'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.
CHCO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CHCO'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 CHCO.
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.
CHCO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 13x | $116 | -18% |
| Fair | 14x | $130 | -8.5% |
| Expensive | 15x | $141 | -1% |
| Forward | 15x | $142 | — |
| Current | 16x | $142 | — |
Historical ranges are pointers, not guarantees.
CHCO 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 CHCO on the outlook, with more favorable valuation and revenue expectations.
CHCO Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect CHCO'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 CHCO on earnings, with stronger typical year-over-year growth.
CHCO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.53 | +4.2% |
| Q3 2026 | $9.15 | +5.2% |
| Q2 2026 | $9.13 | +9.9% |
| Q1 2026 | $9.07 | +14% |
| Q4 2025 | $8.93 | +13% |
| Q3 2025 | $8.70 | +12% |
| Q2 2025 | $8.31 | +7.2% |
| Q1 2025 | $7.98 | +0.4% |
| Q4 2024 | $7.89 | +3.7% |
CHCO's earnings per share have climbed steadily: $9.15 over the past year, up 5.2% from the year before, and higher year over year for eight 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 CHCO 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
CHCO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $84M | +3.4% |
| Q2 2026 | $81.5M | +4.3% |
| Q1 2026 | $79.2M | +6.3% |
| Q4 2025 | $80.2M | +12% |
| Q3 2025 | $81.3M | +7% |
| Q2 2025 | $78.2M | +6.3% |
| Q1 2025 | $74.6M | +3% |
| Q4 2024 | $71.7M | +4.1% |
CHCO's revenue has grown year over year for nine quarters in a row: $84M last quarter, up 3.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 51% | -2.5 points |
| Q2 2026 | 51% | -2 points |
| Q1 2026 | 50% | 0 points |
| Q4 2025 | 49% | +1.2 points |
| Q3 2025 | 54% | +5.1 points |
| Q2 2025 | 53% | +3.3 points |
| Q1 2025 | 50% | -1.1 points |
| Q4 2024 | 48% | -1.4 points |
CHCO 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.
CHCO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.1M | -1.8% |
| Q2 2026 | $31.8M | +14% |
| Q1 2026 | $37.3M | +19% |
| Q4 2025 | $33.6M | +2.4% |
| Q3 2025 | $35.8M | -3.4% |
| Q2 2025 | $27.8M | +0.1% |
| Q1 2025 | $31.3M | -1% |
| Q4 2024 | $32.8M | -0.5% |
CHCO's free cash flow was $138M over the past year, up 8% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CHCO.
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 CHCO 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.
CHCO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -13K shares |
| 1 year | -2.9% | -414K shares |
| 3 years | -6% | -896K shares |
| 5 years | -8.2% | -1.3M shares |
| Available history | -13% | -2.2M shares |
CHCO has 14M diluted shares, down 2.9% from a year ago, with $55M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $7.3M |
| Q1 2026 | $30.9M |
| Q4 2025 | $16.9M |
| Q3 2025 | — |
| Q2 2025 | $19.4M |
| Q1 2025 | $9.5M |
| Q4 2024 | — |
CHCO spent $55M buying back its own shares over the past year, up 90% 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.
CHCO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.9x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
CHCO 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).
CHCO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.4 | Neutral |
| Stochastic | 38.6 | Neutral |
CHCO's weekly RSI is 58 (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 CHCO on valuation relative to its sector.
CHCO PE vs Financial Services Sector
| Metric | CHCO | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 19% above |
| PE % | 86 | 63 | 23 pts above |
CHCO is trading at 16x earnings, a 19% premium to 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.
CHCO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $141.8 | 0.1% above |
| 20 week MA | $141.8 | 0.1% above |
| 50 week MA | $131.0 | 8.4% above |
| 100 week MA | $125.7 | 13% above |
| 200 week MA | $114.2 | 24% above |
CHCO 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.
CHCO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $82.3 | $69.5 | -16% |
| 2021 | $69.5 | $81.2 | +17% |
| 2022 | $81.2 | $93.5 | +15% |
| 2023 | $93.5 | $110.3 | +18% |
| 2024 | $110.3 | $121.1 | +9.8% |
| 2025 | $121.1 | $123.8 | +2.3% |
| 2026 YTD | $123.8 | $142.0 | +15% |
CHCO has the edge over BAC on returns for 2026, with the stronger performance.