BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
CVBF
CVB Financial Corp.
CVBF has a slight edge over BAC overall, supported by stronger modeled upside.
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.
CVBF Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CVBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CVBF.
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 CVBF in the historical PE scenario, which offers more potential upside but is not a forecast.
CVBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $17.13 | -24% |
| Forward | 12x | $22.48 | — |
| Fair | 14x | $20.54 | -8.6% |
| Expensive | 15x | $23.56 | +4.8% |
| Current | 15x | $22.48 | — |
Historical ranges are pointers, not guarantees.
CVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
CVBF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for CVBF, 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 CVBF on earnings, with more consistent year-over-year improvement.
CVBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.92 | +26% |
| Q3 2026 | $1.52 | +3.4% |
| Q2 2026 | $1.46 | 0% |
| Q1 2026 | $1.54 | +6.2% |
| Q4 2025 | $1.52 | +5.6% |
| Q3 2025 | $1.47 | +2.8% |
| Q2 2025 | $1.46 | -1.4% |
| Q1 2025 | $1.45 | -4.6% |
| Q4 2024 | $1.44 | -9.4% |
CVBF earned $1.52 per share over the past year, up 3.4% 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 CVBF 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.
CVBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $195.6M | +52% |
| Q2 2026 | $179.4M | +42% |
| Q1 2026 | $132.1M | +4.3% |
| Q4 2025 | $133.9M | +8.4% |
| Q3 2025 | $128.6M | +1.7% |
| Q2 2025 | $126.4M | +0.9% |
| Q1 2025 | $126.7M | +0.1% |
| Q4 2024 | $123.5M | -11% |
CVBF's revenue has grown year over year for seven quarters in a row: $196M last quarter, up 52% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 54% | +0.6 points |
| Q2 2026 | 36% | -18 points |
| Q1 2026 | 52% | -3 points |
| Q4 2025 | 56% | +0.5 points |
| Q3 2025 | 54% | +0.2 points |
| Q2 2025 | 54% | -0.4 points |
| Q1 2025 | 55% | +2.1 points |
| Q4 2024 | 55% | +1.2 points |
CVBF 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.
CVBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $137.8M | +71% |
| Q2 2026 | $387.4M | +641% |
| Q1 2026 | $61.2M | +49% |
| Q4 2025 | $43.2M | -41% |
| Q3 2025 | $80.7M | +15% |
| Q2 2025 | $52.3M | +114% |
| Q1 2025 | $41.2M | -47% |
| Q4 2024 | $72.8M | +55% |
CVBF 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 CVBF 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.
CVBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.8% | +8M shares |
| 1 year | +28% | +38M shares |
| 3 years | +26% | +36.7M shares |
| 5 years | +29% | +39.8M shares |
| Available history | +25% | +35.2M shares |
CVBF has 175M diluted shares, up 28% from a year ago, despite $56M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $17.6M |
| Q2 2026 | $2.1M |
| Q1 2026 | $3.1M |
| Q4 2025 | $33.8M |
| Q3 2025 | $6.1M |
| Q2 2025 | $22.5M |
| Q1 2025 | $18.7M |
| Q4 2024 | $193,000 |
CVBF spent $56M buying back its own shares over the past year, up 19% from 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.
CVBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 21.0x | High |
| Q2 2025 | 20.7x | High |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | 2.8x | Moderate |
CVBF 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).
CVBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 56.7 | Neutral |
CVBF's weekly RSI is 55 (neutral) and its Stochastic is 57 (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 CVBF on valuation relative to its sector.
CVBF PE vs Financial Services Sector
| Metric | CVBF | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 70 | 63 | 7 pts above |
CVBF is trading at 15x earnings, a 14% premium to the Financial Services sector's median of 13x.
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.
CVBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.4 | 0.5% above |
| 20 week MA | $22.5 | 0.2% below |
| 50 week MA | $21.0 | 7% above |
| 100 week MA | $20.2 | 11% above |
| 200 week MA | $19.1 | 18% above |
CVBF 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.
CVBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.5 | $19.6 | -8.8% |
| 2021 | $19.6 | $21.5 | +9.6% |
| 2022 | $21.5 | $26.2 | +22% |
| 2023 | $26.2 | $20.2 | -23% |
| 2024 | $20.2 | $22.0 | +8.7% |
| 2025 | $22.0 | $19.6 | -11% |
| 2026 YTD | $19.6 | $22.5 | +15% |
CVBF has the edge over BAC on returns for 2026, with the stronger performance.