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.
CUB
Lionheart Holdings
There isn't enough reported data to score CUB 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.
CUB Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Stable | |
| N/A | |
| N/A |
CUB's profitability is currently stable. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like CUB.
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 CUB in the historical PE scenario, which offers more potential upside but is not a forecast.
CUB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 26x | $1.28 | -88% |
| Fair | 27x | $1.36 | -88% |
| Expensive | 33x | $1.66 | -85% |
| Current | 199x | $10.96 | — |
Historical ranges are pointers, not guarantees.
CUB's PE is 199x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
CUB Forward outlook
There aren't enough analyst estimates for CUB 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 edge over CUB on earnings, with more consistent year-over-year improvement.
CUB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.05 | -89% |
| Q1 2026 | $0.33 | -15% |
| Q4 2025 | $0.32 | +3.2% |
| Q1 2021 | $0.25 | +25% |
| Q4 2020 | $0.14 | -88% |
| Q3 2020 | -$0.11 | -107% |
| Q2 2020 | -$0.61 | -169% |
| Q1 2020 | $0.20 | -43% |
CUB's earnings per share have fallen from their peak: $0.05 over the past year, against $1.58 in late 2019.
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 CUB 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.
CUB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2021 | $343.4M | +6.8% |
| Q4 2020 | $318.8M | -3.1% |
| Q3 2020 | $475.5M | +0.9% |
| Q2 2020 | $350.4M | -8.4% |
| Q1 2020 | $321.5M | -4.7% |
| Q4 2019 | $328.8M | +7.7% |
| Q3 2019 | $471.2M | +24% |
| Q2 2019 | $382.7M | +29% |
CUB's revenue is shrinking: $0 last quarter.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2021 | -7.5% | +0.7 points |
| Q4 2020 | 1.7% | +3.2 points |
| Q3 2020 | 17% | +3.9 points |
| Q2 2020 | 8% | +5.2 points |
| Q1 2020 | -8.1% | -6.7 points |
| Q4 2019 | -1.5% | -2 points |
| Q3 2019 | 13% | +5.4 points |
| Q2 2019 | 2.8% | -1.2 points |
CUB's operating margin was −7.5% last quarter, up 0.7 points from the same quarter a year ago, near the bottom of its range since 2016.
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 CUB on cash generation, producing positive trailing cash flow while its opponent burns cash.
CUB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$275.1K | -$146.8K |
| Q1 2026 | -$112.9K | +$80.5K |
| Q4 2025 | -$105.9K | +$3.6K |
| Q3 2025 | -$157.9K | -$18.4K |
| Q2 2025 | -$128.3K | +$241.9K |
| Q1 2025 | -$193.3K | -$171.4K |
| Q1 2021 | -$49.8M | -$9.9M |
| Q4 2020 | -$28.8M | +$30.6M |
CUB's free cash flow was −$651,785 over the past year, against −$570,651 the year before. Free cash flow isn't a meaningful measure for financial services companies like CUB.
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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
CUB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.6% | +379K shares |
| 1 year | -24% | -7.3M shares |
| 3 years | -25% | -7.9M shares |
| 5 years | -15% | -4.1M shares |
| Available history | -14% | -3.7M shares |
CUB has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
CUB hasn't bought back shares in 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.
CUB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2021 | 4.3x | High |
| Q4 2020 | 5.5x | High |
| Q3 2020 | 6.1x | High |
| Q2 2020 | 8.6x | High |
| Q1 2020 | 8.5x | High |
| Q4 2019 | 3.2x | Elevated |
| Q3 2019 | 2.8x | Moderate |
| Q2 2019 | 4.0x | High |
CUB's net debt is about 4.3 years of its operating earnings (EBITDA), down from 8.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CUB.
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).
CUB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.1 | Overbought |
| Stochastic | 35.5 | Neutral |
CUB's weekly RSI is 73 (overbought) and its Stochastic is 36 (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 CUB on valuation relative to its sector.
CUB PE vs Financial Services Sector
| Metric | CUB | Sector median | Relative |
|---|---|---|---|
| PE | 199x | 13x | 1,430% above |
| PE % | 100 | 21 | 79 pts above |
CUB is trading at 199x earnings, a 1430% 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 |
CUB has stronger trend alignment. BAC is above 1 of 5 weekly averages versus CUB above 4 of 4.
CUB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.9 | 0.4% above |
| 20 week MA | $10.9 | 0.8% above |
| 50 week MA | $10.8 | 1.6% above |
| 100 week MA | $10.6 | 3.5% above |
CUB is in an uptrend: it's above all four of its weekly moving averages, and 3.5% 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.
CUB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $9.98 | $10.1 | +1.2% |
| 2025 | $10.1 | $10.7 | +5.4% |
| 2026 YTD | $10.7 | $11.0 | +2.9% |
CUB has the edge over BAC on returns for 2026, with the stronger performance.