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.
CPBI
Central Plains Bancshares, Inc. Common Stock
There isn't enough reported data to score CPBI 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.
CPBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
CPBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CPBI.
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.
CPBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 16x | $19.23 | -7.2% |
| Fair | 17x | $20.27 | -2.2% |
| Expensive | 18x | $21.33 | +2.9% |
| Current | 18x | $20.73 | — |
Historical ranges are pointers, not guarantees.
CPBI 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.
CPBI Forward outlook
There aren't enough analyst estimates for CPBI 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'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.
CPBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $1.18 | +20% |
| Q1 2026 | $1.05 | +9.4% |
CPBI has the edge over BAC in the latest year-over-year earnings comparison.
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 CPBI on profitability, with a higher operating margin.
CPBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $8.3M | +15% |
| Q1 2026 | $7.8M | +9.1% |
| Q4 2025 | $7.9M | +14% |
| Q3 2025 | $7.5M | +10% |
| Q2 2025 | $7.2M | +11% |
| Q1 2025 | $7.1M | +12% |
| Q4 2024 | $6.9M | +9% |
| Q3 2024 | $6.8M | +19% |
CPBI has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 22% | +5.2 points |
| Q1 2026 | 15% | +0.1 points |
| Q4 2025 | 19% | +1.5 points |
| Q3 2025 | 15% | -2.1 points |
| Q2 2025 | 17% | 0 points |
| Q1 2025 | 15% | -1.9 points |
| Q4 2024 | 17% | -1 points |
| Q3 2024 | 17% | -4.5 points |
CPBI's operating margin was 22% last quarter, up 5.2 points from the same quarter a year ago, near the top of its range since 2023.
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.
CPBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$200K | +$566K |
| Q1 2026 | $3.5M | +$4.1M |
| Q4 2025 | $2.2M | +$3.7M |
| Q3 2025 | $888K | +$1.9M |
| Q2 2025 | -$766K | -2289% |
| Q1 2025 | -$647K | -$381K |
| Q4 2024 | -$1.5M | -165% |
| Q3 2024 | -$975K | -435% |
CPBI's free cash flow was $6M over the past year, against −$4M the year before. Free cash flow isn't a meaningful measure for financial services companies like CPBI.
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 CPBI 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.
CPBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +10.2K shares |
| 1 year | +0.5% | +17.2K shares |
| 3 years | -7.5% | -310K shares |
CPBI has 4M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | $296,000 |
| Q1 2026 | $135,000 |
| Q4 2025 | $194,000 |
| Q3 2025 | $90,000 |
| Q2 2025 | $260,000 |
| Q1 2025 | $276,000 |
| Q1 2023 | — |
| Q4 2022 | — |
CPBI spent $715,000 buying back its own shares over the past year.
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.
CPBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -5.2x | Net Cash |
| Q1 2026 | -5.0x | Net Cash |
| Q4 2025 | -4.9x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -5.8x | Net Cash |
| Q4 2024 | -1.3x | Net Cash |
| Q3 2024 | -2.0x | Net Cash |
CPBI 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).
CPBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.6 | Neutral |
| Stochastic | 68.0 | Neutral |
CPBI's weekly RSI is 62 (neutral) and its Stochastic is 68 (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 CPBI on valuation relative to its sector.
CPBI PE vs Financial Services Sector
| Metric | CPBI | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 35% above |
| PE % | 63 | 41 | 22 pts above |
CPBI is trading at 18x earnings, a 35% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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 |
CPBI has stronger trend alignment. BAC is above 1 of 5 weekly averages versus CPBI above 4 of 4.
CPBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.4 | 1.9% above |
| 20 week MA | $20.5 | 1.4% above |
| 50 week MA | $18.7 | 11% above |
| 100 week MA | $17.0 | 22% above |
CPBI is in an uptrend: it's above all four of its weekly moving averages, and 22% above its 100-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 finished higher in four of the last six years. It's down 10% so far in 2026.
CPBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $9.10 | $10.2 | +12% |
| 2024 | $10.2 | $14.4 | +41% |
| 2025 | $14.4 | $16.9 | +17% |
| 2026 YTD | $16.9 | $20.7 | +22% |
CPBI has the edge over BAC on returns for 2026, with the stronger performance.