BAC
Bank of America Corporation
BAC has the edge over EFSI overall, supported by stronger modeled upside and stronger valuation.
EFSI
Eagle Financial Services, Inc.
EFSI offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
EFSI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
EFSI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EFSI.
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 EFSI in the historical PE scenario, which offers more potential upside but is not a forecast.
EFSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $29.71 | -35% |
| Fair | 10x | $34.48 | -25% |
| Expensive | 13x | $42.55 | -7.5% |
| Forward | 13x | $46.00 | — |
| Current | 14x | $46.00 | — |
Historical ranges are pointers, not guarantees.
EFSI's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 13x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over EFSI on the outlook, with more favorable valuation and earnings expectations.
EFSI Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect EFSI's revenue to grow, but its profitability to weaken.
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 EFSI on earnings, with more consistent year-over-year improvement.
EFSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.42 | +3.8% |
| Q3 2026 | $3.30 | +48% |
| Q2 2026 | $3.46 | +60% |
| Q1 2026 | $3.52 | +70% |
| Q4 2025 | $1.30 | -70% |
| Q3 2025 | $2.23 | -32% |
| Q2 2025 | $2.16 | -27% |
| Q1 2025 | $2.07 | -22% |
| Q4 2024 | $4.32 | +62% |
EFSI earned $3.30 per share over the past year, up 48% 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'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 EFSI on profitability, with a higher operating margin.
EFSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $22.9M | +2.5% |
| Q2 2026 | $25.6M | +24% |
| Q1 2026 | $20.8M | +336% |
| Q4 2025 | $21.7M | -1.3% |
| Q3 2025 | $22.4M | +21% |
| Q2 2025 | $20.6M | +25% |
| Q1 2025 | $4.8M | -70% |
| Q4 2024 | $22M | +38% |
EFSI's revenue has picked up after two years of holding roughly level: $23M last quarter, up 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | -5.8 points |
| Q2 2026 | 26% | -6.2 points |
| Q1 2026 | 22% | +211 points |
| Q4 2025 | 25% | -12 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 32% | +8.9 points |
| Q1 2025 | -189% | -208 points |
| Q4 2024 | 37% | +23 points |
EFSI's operating margin was 25% 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.
EFSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.4M | +225% |
| Q2 2026 | -$12.8M | -656% |
| Q1 2026 | $4.1M | -22% |
| Q4 2025 | $9M | +48% |
| Q3 2025 | $7.8M | +7.5% |
| Q2 2025 | $2.3M | +$4.5M |
| Q1 2025 | $5.3M | -21% |
| Q4 2024 | $6M | +$12M |
EFSI 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 EFSI 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.
EFSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -384 shares |
| 1 year | +0.7% | +35.3K shares |
| 3 years | +53% | +1.9M shares |
| 5 years | +58% | +2M shares |
| Available history | +57% | +2M shares |
EFSI has 5M diluted shares, up 0.7% from a year ago.
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.
EFSI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.6x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 1.2x | Healthy |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | 0.8x | Very low |
EFSI 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).
EFSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.9 | Neutral |
| Stochastic | 70.7 | Neutral |
EFSI's weekly RSI is 63 (neutral) and its Stochastic is 71 (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 EFSI on valuation relative to its sector.
EFSI PE vs Financial Services Sector
| Metric | EFSI | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.1% above |
| PE % | 86 | 63 | 23 pts above |
EFSI is trading at 14x earnings, in line with 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.
EFSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.9 | 0.3% above |
| 20 week MA | $43.7 | 5.2% above |
| 50 week MA | $40.5 | 14% above |
| 100 week MA | $37.3 | 23% above |
| 200 week MA | $34.7 | 33% above |
EFSI 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.
EFSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.1 | $29.5 | -5% |
| 2021 | $29.5 | $34.6 | +17% |
| 2022 | $34.6 | $36.0 | +4.1% |
| 2023 | $36.0 | $30.0 | -17% |
| 2024 | $30.0 | $36.4 | +21% |
| 2025 | $36.4 | $40.3 | +11% |
| 2026 YTD | $40.3 | $46.0 | +14% |
EFSI has the edge over BAC on returns for 2026, with the stronger performance.