BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
EIC
Eagle Point Income Company Inc.
There isn't enough reported data to score EIC yet.
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.
EIC Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
EIC's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like EIC.
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.
EIC PE Valuation
EIC has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
EIC Forward outlook
There aren't enough analyst estimates for EIC to show an outlook.
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 EIC on earnings quality, reporting a profit while its opponent remains loss making.
EIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | -$0.28 | -130% |
| Q1 2026 | -$0.64 | -166% |
| Q4 2025 | -$0.11 | -104% |
| Q3 2025 | $1.30 | -51% |
| Q2 2025 | $0.92 | -78% |
| Q1 2025 | $0.97 | -75% |
| Q4 2024 | $2.78 | -10% |
| Q3 2024 | $2.68 | -17% |
EIC has swung to a loss: it lost $0.28 per share over the past year, after a profit 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
EIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $12.4M | -12% |
| Q4 2025 | $6.8M | -55% |
| Q3 2025 | $16.2M | +17% |
| Q2 2025 | $16.8M | +54% |
| Q1 2025 | $14.1M | +51% |
| Q4 2024 | $15.2M | +79% |
| Q3 2024 | $13.8M | +98% |
| Q2 2024 | $10.9M | +90% |
EIC's revenue has slid since its 2025 peak: −$3M last quarter, down 119% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2026 | -156% | -239 points |
| Q4 2025 | -160% | -275 points |
| Q3 2025 | 82% | +59 points |
| Q2 2025 | 77% | +4.8 points |
| Q1 2025 | 83% | -111 points |
| Q4 2024 | 114% | +10 points |
| Q3 2024 | 22% | -193 points |
| Q2 2024 | 72% | +11 points |
EIC's operating margin was −156% last quarter, down 239 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
EIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $14.1M | +73% |
| Q1 2026 | $8.7M | +$65.8M |
| Q4 2025 | $9.5M | +11% |
| Q3 2025 | $36.7M | +452% |
| Q2 2025 | $8.2M | +$50.7M |
| Q1 2025 | -$57.1M | -1128% |
| Q4 2024 | $8.6M | +90% |
| Q3 2024 | $6.6M | +211% |
EIC 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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
EIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | -9.3% | -2.4M shares |
| 3 years | +166% | +14.4M shares |
| 5 years | +277% | +16.9M shares |
| Available history | +283% | +17M shares |
EIC has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $104.3M |
| Q1 2026 | $4.3M |
| Q4 2025 | $72.3M |
| Q3 2025 | $20.9M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
EIC spent $202M buying back its own shares over the past year, after none 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 has the edge over EIC on leverage, with a lower net debt burden relative to earnings.
EIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 9.2x | High |
| Q4 2025 | 5.2x | High |
| Q3 2025 | 2.7x | Moderate |
| Q2 2025 | 0.1x | Very low |
| Q1 2025 | 3.2x | Elevated |
| Q4 2024 | 2.8x | Moderate |
| Q3 2024 | 3.2x | Elevated |
| Q2 2024 | 2.0x | Healthy |
EIC's net debt is about 9.2 years of its operating earnings (EBITDA), up from 3.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EIC.
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).
EIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.1 | Neutral |
| Stochastic | 14.2 | Oversold |
EIC's weekly RSI is 33 (neutral) and its Stochastic is 14 (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.
EIC PE vs Financial Services Sector
| Metric | EIC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
EIC has no meaningful PE right now: it lost money over the past year.
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 the edge over EIC on trend strength, trading above more of its moving averages.
EIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.97 | 1% below |
| 20 week MA | $9.59 | 7.4% below |
| 50 week MA | $10.1 | 12% below |
| 100 week MA | $12.0 | 26% below |
| 200 week MA | $13.5 | 34% below |
EIC is in a downtrend: it's below all five of its weekly moving averages, and 34% below its 200-week average.
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 the edge over EIC on returns for 2026, with the stronger performance.
EIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.6 | $15.0 | -19% |
| 2021 | $15.0 | $17.1 | +14% |
| 2022 | $17.1 | $13.9 | -19% |
| 2023 | $13.9 | $14.6 | +5% |
| 2024 | $14.6 | $15.4 | +5.8% |
| 2025 | $15.4 | $11.5 | -25% |
| 2026 YTD | $11.5 | $8.88 | -23% |
EIC has finished lower in three of the last six years. It's down 23% so far in 2026.