BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
CPF
Central Pacific Financial Corp.
CPF has a slight edge over BAC overall, supported by 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.
CPF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CPF'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 CPF.
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 CPF in the historical PE scenario, which offers more potential upside but is not a forecast.
CPF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $25.30 | -35% |
| Fair | 11x | $37.54 | -3.3% |
| Forward | 11x | $38.81 | — |
| Current | 12x | $38.81 | — |
| Expensive | 14x | $45.56 | +17% |
Historical ranges are pointers, not guarantees.
CPF's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over CPF on the outlook, with more favorable revenue expectations.
CPF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect CPF'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'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.
CPF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.57 | +7.8% |
| Q3 2026 | $3.31 | +36% |
| Q2 2026 | $3.12 | +40% |
| Q1 2026 | $2.99 | +40% |
| Q4 2025 | $2.86 | +45% |
| Q3 2025 | $2.43 | +16% |
| Q2 2025 | $2.23 | +6.2% |
| Q1 2025 | $2.14 | +4.4% |
| Q4 2024 | $1.97 | -9.2% |
CPF earned $3.31 per share over the past year, up 36% 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 has the edge over CPF on sales, with more consistent year-over-year improvement.
| 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.
CPF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.8M | +2.7% |
| Q2 2026 | $77.5M | +6.4% |
| Q1 2026 | $72.9M | +6% |
| Q4 2025 | $76.3M | +31% |
| Q3 2025 | $74.8M | +12% |
| Q2 2025 | $72.8M | +14% |
| Q1 2025 | $68.8M | +12% |
| Q4 2024 | $58.4M | -12% |
CPF's revenue has grown year over year for seven quarters in a row: $77M last quarter, up 2.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.7 points |
| Q2 2026 | 35% | +1.9 points |
| Q1 2026 | 37% | +4.1 points |
| Q4 2025 | 37% | +14 points |
| Q3 2025 | 32% | +6 points |
| Q2 2025 | 33% | +0.5 points |
| Q1 2025 | 33% | +5.2 points |
| Q4 2024 | 23% | -5.9 points |
CPF 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.
CPF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.1M | +31% |
| Q2 2026 | $41M | +27% |
| Q1 2026 | $17.3M | -12% |
| Q4 2025 | $19.1M | -23% |
| Q3 2025 | $21.4M | +37% |
| Q2 2025 | $32.3M | +52% |
| Q1 2025 | $19.6M | +42% |
| Q4 2024 | $24.8M | +24% |
CPF 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 CPF 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.
CPF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -292K shares |
| 1 year | -4.7% | -1.3M shares |
| 3 years | -4.7% | -1.3M shares |
| 5 years | -8.4% | -2.4M shares |
| Available history | -10% | -2.9M shares |
CPF has 26M diluted shares, down 4.7% from a year ago.
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.
CPF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 1.1x | Healthy |
CPF 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).
CPF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.8 | Neutral |
| Stochastic | 61.2 | Neutral |
CPF's weekly RSI is 62 (neutral) and its Stochastic is 61 (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.
CPF PE vs Financial Services Sector
| Metric | CPF | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.9% below |
| PE % | 53 | 63 | 10 pts below |
CPF 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.
CPF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.3 | 4.1% above |
| 20 week MA | $37.9 | 2.3% above |
| 50 week MA | $35.1 | 11% above |
| 100 week MA | $31.6 | 23% above |
| 200 week MA | $26.2 | 48% above |
CPF 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.
CPF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.7 | $19.0 | -36% |
| 2021 | $19.0 | $27.7 | +46% |
| 2022 | $27.7 | $19.8 | -29% |
| 2023 | $19.8 | $19.7 | -0.4% |
| 2024 | $19.7 | $28.8 | +46% |
| 2025 | $28.8 | $32.2 | +12% |
| 2026 YTD | $32.2 | $38.8 | +20% |
CPF has the edge over BAC on returns for 2026, with the stronger performance.