BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
EBMT
Eagle Bancorp Montana, Inc.
EBMT 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.
EBMT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
EBMT's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like EBMT.
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.
EBMT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $15.45 | -25% |
| Forward | 9x | $20.61 | — |
| Fair | 10x | $20.77 | +0.8% |
| Current | 10x | $20.61 | — |
| Expensive | 13x | $24.90 | +21% |
Historical ranges are pointers, not guarantees.
EBMT 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
EBMT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for EBMT, with profitability improving. However, they disagree widely on these estimates.
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.
EBMT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.30 | +16% |
| Q3 2026 | $1.98 | +15% |
| Q2 2026 | $2.06 | +29% |
| Q1 2026 | $2.00 | +42% |
| Q4 2025 | $1.90 | +53% |
| Q3 2025 | $1.72 | +61% |
| Q2 2025 | $1.60 | +50% |
| Q1 2025 | $1.41 | +27% |
| Q4 2024 | $1.24 | -3.9% |
EBMT's earnings per share have fallen from their peak: $1.98 over the past year, against $3.32 in early 2021.
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 EBMT on profitability, with a higher operating margin.
EBMT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25.1M | +7.2% |
| Q2 2026 | $24.2M | +5.2% |
| Q1 2026 | $23.6M | +13% |
| Q4 2025 | $24.3M | +14% |
| Q3 2025 | $23.4M | +13% |
| Q2 2025 | $23M | +15% |
| Q1 2025 | $20.9M | +9.1% |
| Q4 2024 | $21.4M | +1.7% |
EBMT has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -5.8 points |
| Q2 2026 | 20% | +2.6 points |
| Q1 2026 | 22% | +3.1 points |
| Q4 2025 | 25% | +7.7 points |
| Q3 2025 | 21% | +5.6 points |
| Q2 2025 | 17% | +6.4 points |
| Q1 2025 | 19% | +6.7 points |
| Q4 2024 | 17% | +8.5 points |
EBMT's operating margin was 15% last quarter, down 5.8 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.
EBMT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.5M | +34% |
| Q2 2026 | -$2.8M | -301% |
| Q1 2026 | -$5.2M | -2079% |
| Q4 2025 | $19.6M | +60% |
| Q3 2025 | $7.1M | +$7.8M |
| Q2 2025 | $1.4M | +121% |
| Q1 2025 | $262K | -89% |
| Q4 2024 | $12.2M | +27% |
EBMT 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 EBMT 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.
EBMT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +11.5K shares |
| 1 year | +0.6% | +45.4K shares |
| 3 years | +1.1% | +82K shares |
| 5 years | +20% | +1.3M shares |
| Available history | +22% | +1.4M shares |
EBMT has 8M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $410,000 |
| Q3 2025 | — |
| Q2 2025 | $408,000 |
| Q1 2025 | $755,000 |
| Q4 2024 | $419,000 |
EBMT spent $410,000 buying back its own shares over the past year, down 74% 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.
EBMT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.8x | Very low |
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | 1.3x | Healthy |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.9x | Healthy |
| Q4 2024 | 1.5x | Healthy |
EBMT 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).
EBMT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.8 | Neutral |
| Stochastic | 18.6 | Oversold |
EBMT's weekly RSI is 39 (neutral) and its Stochastic is 19 (oversold).
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.
EBMT PE vs Financial Services Sector
| Metric | EBMT | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 48 | 63 | 15 pts below |
EBMT 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.
EBMT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.0 | 1.9% below |
| 20 week MA | $22.3 | 7.4% below |
| 50 week MA | $21.8 | 5.4% below |
| 100 week MA | $19.2 | 7.5% above |
| 200 week MA | $16.6 | 24% above |
EBMT 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.
EBMT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.1 | $21.9 | +3.8% |
| 2021 | $21.9 | $22.9 | +4.7% |
| 2022 | $22.9 | $16.2 | -29% |
| 2023 | $16.2 | $15.8 | -2.4% |
| 2024 | $15.8 | $15.3 | -3.4% |
| 2025 | $15.3 | $19.8 | +30% |
| 2026 YTD | $19.8 | $20.6 | +4.2% |
EBMT has the edge over BAC on returns for 2026, with the stronger performance.