BAC
Bank of America Corporation
BAC has the edge over CWBC overall, supported by stronger valuation and stronger fundamentals.
CWBC
Community West Bancshares
CWBC's outlook is improving, though it still trails on the overall score.
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.
CWBC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CWBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CWBC.
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 CWBC in the historical PE scenario, which offers more potential upside but is not a forecast.
CWBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $12.74 | -50% |
| Forward | 8.9x | $25.64 | — |
| Fair | 10x | $16.28 | -37% |
| Expensive | 16x | $24.83 | -3.2% |
| Current | 16x | $25.64 | — |
Historical ranges are pointers, not guarantees.
CWBC's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 8.9x 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.
CWBC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for CWBC, 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'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.
CWBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.88 | +82% |
| Q3 2026 | $1.58 | -7.6% |
| Q2 2026 | $1.85 | +40% |
| Q1 2026 | $2.16 | +272% |
| Q4 2025 | $2.00 | +344% |
| Q3 2025 | $1.71 | +159% |
| Q2 2025 | $1.32 | +29% |
| Q1 2025 | $0.58 | -69% |
| Q4 2024 | $0.45 | -79% |
CWBC's earnings per share have fallen from their peak: $1.58 over the past year, against $2.35 in early 2023.
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 CWBC on profitability, with a higher operating margin.
CWBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $58M | +53% |
| Q2 2026 | $48.9M | +37% |
| Q1 2026 | $38.8M | +11% |
| Q4 2025 | $38.3M | +12% |
| Q3 2025 | $37.9M | +21% |
| Q2 2025 | $35.7M | +17% |
| Q1 2025 | $34.8M | +68% |
| Q4 2024 | $34.3M | +53% |
CWBC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 19% | -20 points |
| Q2 2026 | 8.5% | -22 points |
| Q1 2026 | 41% | +7.9 points |
| Q4 2025 | 40% | +11 points |
| Q3 2025 | 40% | +27 points |
| Q2 2025 | 30% | +56 points |
| Q1 2025 | 33% | +9.5 points |
| Q4 2024 | 29% | -5.5 points |
CWBC's operating margin was 19% last quarter, down 20 points from the same quarter a year ago.
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.
CWBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $17.9M | +40% |
| Q2 2026 | $17.5M | +65% |
| Q1 2026 | $8.2M | -24% |
| Q4 2025 | $9.5M | +$10.2M |
| Q3 2025 | $12.8M | +51% |
| Q2 2025 | $10.6M | +80% |
| Q1 2025 | $10.8M | +204% |
| Q4 2024 | -$701K | +$81K |
CWBC 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 CWBC 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.
CWBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +35.7K shares |
| 1 year | +42% | +8.1M shares |
| 3 years | +131% | +15.4M shares |
| 5 years | +125% | +15.1M shares |
| Available history | +101% | +13.6M shares |
CWBC has 27M diluted shares, up 42% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $170,000 |
| Q1 2026 | $57,000 |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $71,000 |
| Q1 2025 | $80,000 |
| Q4 2024 | — |
CWBC has spent almost nothing on buybacks 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.
CWBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.5x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | -2.0x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -3.6x | Net Cash |
CWBC 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).
CWBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 44.2 | Neutral |
CWBC's weekly RSI is 51 (neutral) and its Stochastic is 44 (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 CWBC on valuation relative to its sector.
CWBC PE vs Financial Services Sector
| Metric | CWBC | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 25% above |
| PE % | 85 | 63 | 22 pts above |
CWBC is trading at 16x earnings, a 25% 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.
CWBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.0 | 1.5% below |
| 20 week MA | $26.1 | 1.6% below |
| 50 week MA | $24.7 | 3.9% above |
| 100 week MA | $22.1 | 16% above |
| 200 week MA | $20.3 | 27% above |
CWBC 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.
CWBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.7 | $15.1 | -31% |
| 2021 | $15.1 | $20.9 | +39% |
| 2022 | $20.9 | $20.8 | -0.1% |
| 2023 | $20.8 | $22.4 | +7.3% |
| 2024 | $22.4 | $19.4 | -13% |
| 2025 | $19.4 | $22.7 | +17% |
| 2026 YTD | $22.7 | $25.6 | +13% |
CWBC has the edge over BAC on returns for 2026, with the stronger performance.