BAC
Bank of America Corporation
BAC has the edge over CINF overall, supported by stronger modeled upside and stronger valuation.
CINF
Cincinnati Financial Corporation
CINF trails on the overall score without a compensating advantage in the available component scores.
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.
CINF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CINF'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 CINF.
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 has the edge over CINF in the historical PE scenario, which offers more potential upside but is not a forecast.
CINF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $128 | -33% |
| Fair | 10x | $174 | -8.6% |
| Current | 11x | $190 | — |
| Expensive | 19x | $327 | +72% |
| Forward | 21x | $190 | — |
Historical ranges are pointers, not guarantees.
CINF's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 21x, in its expensive range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over CINF on the outlook, with more favorable valuation and earnings expectations.
CINF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect CINF's earnings, revenue and profitability to hold roughly steady. However, they disagree widely on these estimates.
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 CINF on earnings, with more consistent year-over-year improvement.
CINF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.94 | -48% |
| Q3 2026 | $17.05 | +27% |
| Q2 2026 | $21.20 | +84% |
| Q1 2026 | $17.49 | +91% |
| Q4 2025 | $15.17 | +4.4% |
| Q3 2025 | $13.45 | -31% |
| Q2 2025 | $11.54 | -15% |
| Q1 2025 | $9.18 | -39% |
| Q4 2024 | $14.53 | +25% |
CINF earned $17.05 per share over the past year, up 27% 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 has the edge over CINF on profitability, with a higher operating margin.
CINF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3B | -18% |
| Q2 2026 | $4.3B | +32% |
| Q1 2026 | $2.9B | +12% |
| Q4 2025 | $3.1B | +22% |
| Q3 2025 | $3.7B | +12% |
| Q2 2025 | $3.2B | +28% |
| Q1 2025 | $2.6B | -13% |
| Q4 2024 | $2.5B | -24% |
CINF's revenue is growing: $3B last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | -20 points |
| Q2 2026 | 37% | +11 points |
| Q1 2026 | 11% | +16 points |
| Q4 2025 | 27% | +8.3 points |
| Q3 2025 | 38% | +6.6 points |
| Q2 2025 | 26% | +11 points |
| Q1 2025 | -5% | -38 points |
| Q4 2024 | 19% | -26 points |
CINF's operating margin was 18% last quarter, down 20 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.
CINF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $787M | -29% |
| Q2 2026 | $698M | -5.3% |
| Q1 2026 | $654M | +113% |
| Q4 2025 | $939M | +47% |
| Q3 2025 | $1.1B | +22% |
| Q2 2025 | $737M | 0% |
| Q1 2025 | $307M | -11% |
| Q4 2024 | $638M | +12% |
CINF's free cash flow was $3.1B over the past year, up 10% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CINF.
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 CINF 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.
CINF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -600K shares |
| 1 year | -1.7% | -2.7M shares |
| 3 years | -1.1% | -1.8M shares |
| 5 years | -4.8% | -7.8M shares |
| Available history | -6.1% | -10M shares |
CINF has 155M diluted shares, down 1.7% from a year ago, with $499M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1M |
| Q2 2026 | $216M |
| Q1 2026 | $179M |
| Q4 2025 | $103M |
| Q3 2025 | $60M |
| Q2 2025 | — |
| Q1 2025 | $42M |
| Q4 2024 | $5M |
CINF spent $499M buying back its own shares over the past year, about five 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.
CINF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2022 | -0.4x | Net Cash |
| Q1 2022 | -0.1x | Net Cash |
| Q4 2021 | -0.1x | Net Cash |
| Q3 2021 | -0.1x | Net Cash |
| Q2 2021 | -0.0x | Net Cash |
| Q1 2021 | -0.0x | Net Cash |
| Q4 2020 | -0.0x | Net Cash |
| Q3 2020 | -0.1x | Net Cash |
CINF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CINF.
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).
CINF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 79.4 | Neutral |
CINF's weekly RSI is 66 (neutral) and its Stochastic is 79 (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.
CINF PE vs Financial Services Sector
| Metric | CINF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 58 | 63 | 5 pts below |
CINF 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.
CINF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $174.1 | 9.3% above |
| 20 week MA | $175.3 | 8.6% above |
| 50 week MA | $168.6 | 13% above |
| 100 week MA | $158.2 | 20% above |
| 200 week MA | $137.0 | 39% above |
CINF 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.
CINF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $103.9 | $85.2 | -18% |
| 2021 | $85.2 | $112.3 | +32% |
| 2022 | $112.3 | $104.5 | -7% |
| 2023 | $104.5 | $103.5 | -1% |
| 2024 | $103.5 | $144.1 | +39% |
| 2025 | $144.1 | $164.8 | +14% |
| 2026 YTD | $164.8 | $190.3 | +15% |
CINF has the edge over BAC on returns for 2026, with the stronger performance.