BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
CITR
CitroTech Inc.
There isn't enough reported data to score CITR yet.
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.
CITR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
CITR's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like CITR.
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.
CITR PE Valuation
CITR has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
CITR Forward outlook
There aren't enough analyst estimates for CITR to show an outlook.
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 stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus CITR down 679%.
CITR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2023 | -$0.62 | -$0.46 |
| Q2 2023 | -$0.08 | +$0.08 |
| Q1 2023 | -$0.23 | -$0.22 |
| Q4 2022 | -$0.24 | -$0.24 |
| Q1 2010 | -$4.02 | -$0.48 |
CITR lost $3.59 per share over the past year, and its loss has widened in each of the last five quarters.
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 CITR on profitability, with a higher operating margin.
CITR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $664.3K | +130% |
| Q2 2026 | $280.7K | -59% |
| Q1 2026 | $344.9K | -64% |
| Q4 2025 | $436.2K | +526% |
| Q3 2025 | $288.2K | +169% |
| Q2 2025 | $687.6K | +246% |
| Q1 2025 | $969.4K | +124% |
| Q4 2024 | $69.6K | -73% |
CITR's revenue is recovering but still below its 2009 peak: $664,328 last quarter, up 130% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -344% | +1126 points |
| Q2 2026 | -1245% | -806 points |
| Q1 2026 | -1289% | -933 points |
| Q4 2025 | -1326% | +397 points |
| Q3 2025 | -1470% | -946 points |
| Q2 2025 | -439% | +18 points |
| Q1 2025 | -357% | +252 points |
| Q4 2024 | -1722% | -1582 points |
CITR's operating margin was −344% last quarter, up 1126 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 has the edge over CITR on cash generation, producing positive trailing cash flow while its opponent burns cash.
CITR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.4M | +$103.4K |
| Q2 2026 | -$1.8M | -$431K |
| Q1 2026 | -$2.1M | -$1.3M |
| Q4 2025 | -$2.5M | -$1.8M |
| Q2 2025 | -$1.4M | -$927.5K |
| Q1 2025 | -$740.9K | -$397.2K |
| Q4 2024 | -$617.8K | -$224.2K |
| Q1 2024 | -$343.7K | -$166.8K |
CITR's free cash flow was −$8M over the past year, against −$4M the year before. Free cash flow isn't a meaningful measure for financial services companies like CITR.
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 CITR 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.
CITR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.9% | +421K shares |
| 1 year | +112% | +11.7M shares |
| 3 years | +77% | +9.6M shares |
| 5 years | +784% | +19.7M shares |
CITR has 22M diluted shares, up 112% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2010 | — |
| Q4 2009 | — |
| Q3 2009 | — |
| Q2 2009 | — |
| Q1 2009 | — |
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.
CITR Net Leverage
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).
CITR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 31.3 | Neutral |
| Stochastic | 6.2 | Oversold |
CITR's weekly RSI is 31 (neutral) and its Stochastic is 6 (oversold).
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.
CITR PE vs Financial Services Sector
CITR has no meaningful PE right now: it lost money over the past year.
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 stronger trend alignment. BAC is above 1 of 5 weekly averages versus CITR above 0 of 3.
CITR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2.88 | 17% below |
| 20 week MA | $4.52 | 47% below |
| 50 week MA | $6.33 | 62% below |
CITR is in a downtrend: it's below all three of its weekly moving averages, and 62% below its 50-week average.
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 the edge over CITR on returns for 2026, with the stronger performance.
CITR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $7.12 | $8.51 | +20% |
| 2026 YTD | $8.51 | $2.39 | -72% |
CITR has finished every year since 2025 higher, and it's down 72% so far in 2026.