BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
CUBI
Customers Bancorp, Inc.
CUBI 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.
CUBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CUBI'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 CUBI.
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 CUBI in the historical PE scenario, which offers more potential upside but is not a forecast.
CUBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.1x | $34.22 | -60% |
| Fair | 7.7x | $64.40 | -24% |
| Forward | 9x | $85.20 | — |
| Current | 10x | $85.20 | — |
| Expensive | 13x | $105 | +23% |
Historical ranges are pointers, not guarantees.
CUBI's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.0x next year's earnings, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
CUBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CUBI, with profitability improving.
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 CUBI on earnings, with more consistent year-over-year improvement.
CUBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.51 | +14% |
| Q3 2026 | $8.31 | +68% |
| Q2 2026 | $8.26 | +104% |
| Q1 2026 | $7.94 | +99% |
| Q4 2025 | $6.26 | +23% |
| Q3 2025 | $4.94 | -20% |
| Q2 2025 | $4.05 | -46% |
| Q1 2025 | $3.98 | -44% |
| Q4 2024 | $5.09 | -30% |
CUBI earned $8.31 per share over the past year, up 68% 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 CUBI 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.
CUBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $239.4M | +3.2% |
| Q2 2026 | $227.4M | +10% |
| Q1 2026 | $225.7M | +58% |
| Q4 2025 | $236.9M | +42% |
| Q3 2025 | $232.1M | +39% |
| Q2 2025 | $206.3M | +3.8% |
| Q1 2025 | $143M | -21% |
| Q4 2024 | $167.4M | -12% |
CUBI's revenue has grown year over year for six quarters in a row: $239M last quarter, up 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -1.2 points |
| Q2 2026 | 39% | +1.1 points |
| Q1 2026 | 40% | +32 points |
| Q4 2025 | 41% | +20 points |
| Q3 2025 | 43% | +16 points |
| Q2 2025 | 38% | -0.6 points |
| Q1 2025 | 8.3% | -28 points |
| Q4 2024 | 21% | -23 points |
CUBI 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.
CUBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.1M | -47% |
| Q2 2026 | $106.1M | -35% |
| Q1 2026 | $35M | -63% |
| Q4 2025 | $119.1M | -10% |
| Q3 2025 | $106.4M | +341% |
| Q2 2025 | $162.1M | +2715% |
| Q1 2025 | $93.4M | +$112.7M |
| Q4 2024 | $132.9M | +$251.3M |
CUBI's free cash flow was $316M over the past year, down 36% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CUBI.
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 CUBI 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.
CUBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -113K shares |
| 1 year | +4% | +1.3M shares |
| 3 years | +8.1% | +2.6M shares |
| 5 years | +2.7% | +925K shares |
| Available history | +9.9% | +3.1M shares |
CUBI has 35M diluted shares, up 4% from a year ago, despite $88M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $38.3M |
| Q2 2026 | $6.7M |
| Q1 2026 | $42.7M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $5.6M |
| Q4 2024 | $1M |
CUBI spent $88M buying back its own shares over the past year, more than ten 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.
CUBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.8x | Net Cash |
| Q2 2026 | -4.4x | Net Cash |
| Q1 2026 | -7.1x | Net Cash |
| Q4 2025 | -12.2x | Net Cash |
| Q3 2025 | -10.2x | Net Cash |
| Q2 2025 | -9.3x | Net Cash |
| Q1 2025 | -9.5x | Net Cash |
| Q4 2024 | -9.2x | Net Cash |
CUBI 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).
CUBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.9 | Neutral |
| Stochastic | 75.0 | Neutral |
CUBI's weekly RSI is 62 (neutral) and its Stochastic is 75 (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.
CUBI PE vs Financial Services Sector
| Metric | CUBI | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 79 | 63 | 16 pts above |
CUBI 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.
CUBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $80.0 | 6.5% above |
| 20 week MA | $79.5 | 7.2% above |
| 50 week MA | $76.2 | 12% above |
| 100 week MA | $66.9 | 27% above |
| 200 week MA | $54.4 | 57% above |
CUBI 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.
CUBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.7 | $17.9 | -24% |
| 2021 | $17.9 | $63.0 | +251% |
| 2022 | $63.0 | $28.3 | -55% |
| 2023 | $28.3 | $57.6 | +104% |
| 2024 | $57.6 | $48.3 | -16% |
| 2025 | $48.3 | $75.7 | +57% |
| 2026 YTD | $75.7 | $85.2 | +13% |
CUBI has the edge over BAC on returns for 2026, with the stronger performance.