BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
CZFS
Citizens Financial Services, Inc.
CZFS has a slight edge over BAC overall on the model 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.
CZFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZFS'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 CZFS.
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's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.
CZFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $70.82 | -17% |
| Fair | 9.3x | $82.98 | -2.9% |
| Forward | 9.3x | $85.48 | — |
| Current | 9.6x | $85.48 | — |
| Expensive | 11x | $97.78 | +14% |
Historical ranges are pointers, not guarantees.
CZFS has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over CZFS on the outlook, with more favorable valuation and profitability expectations.
CZFS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CZFS, but weaker profitability.
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.
CZFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.22 | +3.2% |
| Q3 2026 | $8.93 | +26% |
| Q2 2026 | $8.54 | +29% |
| Q1 2026 | $8.18 | +37% |
| Q4 2025 | $7.62 | +30% |
| Q3 2025 | $7.11 | +20% |
| Q2 2025 | $6.61 | +11% |
| Q1 2025 | $5.96 | +56% |
| Q4 2024 | $5.85 | +44% |
CZFS has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 CZFS on sales, with stronger typical year-over-year growth.
| 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.
CZFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $31.6M | +8.9% |
| Q2 2026 | $29.7M | +8.8% |
| Q1 2026 | $29.8M | +13% |
| Q4 2025 | $29.6M | +13% |
| Q3 2025 | $29M | +16% |
| Q2 2025 | $27.3M | +11% |
| Q1 2025 | $26.4M | +1.9% |
| Q4 2024 | $26.2M | +3.4% |
CZFS's revenue has grown year over year for eight quarters in a row: $32M last quarter, up 8.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +3.4 points |
| Q2 2026 | 42% | +3.4 points |
| Q1 2026 | 43% | +7.1 points |
| Q4 2025 | 44% | +7.8 points |
| Q3 2025 | 43% | +5.8 points |
| Q2 2025 | 38% | +12 points |
| Q1 2025 | 35% | +2.7 points |
| Q4 2024 | 36% | 0 points |
CZFS 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.
CZFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5M | +84% |
| Q2 2026 | -$376K | -107% |
| Q1 2026 | $17.9M | +73% |
| Q4 2025 | $16.7M | +66% |
| Q3 2025 | $2.7M | -51% |
| Q2 2025 | $5.5M | +90% |
| Q1 2025 | $10.4M | -22% |
| Q4 2024 | $10M | -37% |
CZFS's free cash flow was $39M over the past year, up 37% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZFS.
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 CZFS 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.
CZFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +214 shares |
| 1 year | +0.1% | +4.4K shares |
| 3 years | +2.2% | +102K shares |
| 5 years | +22% | +853K shares |
| Available history | +36% | +1.3M shares |
CZFS has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13,000 |
| Q2 2026 | $147,000 |
| Q1 2026 | $158,000 |
| Q4 2025 | $15,000 |
| Q3 2025 | $77,000 |
| Q2 2025 | $239,000 |
| Q1 2025 | $57,000 |
| Q4 2024 | $2,000 |
CZFS 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.
CZFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
CZFS 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).
CZFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.3 | Neutral |
| Stochastic | 74.7 | Neutral |
CZFS's weekly RSI is 67 (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.
CZFS PE vs Financial Services Sector
| Metric | CZFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 57 | 63 | 6 pts below |
CZFS 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.
CZFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $82.4 | 3.8% above |
| 20 week MA | $80.0 | 6.9% above |
| 50 week MA | $69.9 | 22% above |
| 100 week MA | $64.2 | 33% above |
| 200 week MA | $62.0 | 38% above |
CZFS 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.
CZFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $57.5 | $47.3 | -18% |
| 2021 | $47.3 | $58.0 | +22% |
| 2022 | $58.0 | $76.2 | +31% |
| 2023 | $76.2 | $63.4 | -17% |
| 2024 | $63.4 | $63.4 | -0.1% |
| 2025 | $63.4 | $58.1 | -8.3% |
| 2026 YTD | $58.1 | $85.5 | +47% |
CZFS has the edge over BAC on returns for 2026, with the stronger performance.