BAC
Bank of America Corporation
BAC has the edge over ESQ overall, supported by stronger valuation and stronger fundamentals.
ESQ
Esquire Financial Holdings, Inc.
ESQ trails on the overall score without a compensating advantage in the available component scores.
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.
ESQ Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ESQ's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ESQ.
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 ESQ in the historical PE scenario, which offers more potential upside but is not a forecast.
ESQ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $60.68 | -54% |
| Fair | 14x | $83.73 | -36% |
| Forward | 15x | $132 | — |
| Expensive | 18x | $108 | -18% |
| Current | 22x | $132 | — |
Historical ranges are pointers, not guarantees.
ESQ's PE is in its expensive range at 22x. If earnings grow as analysts expect, today's price would be 15x next year's earnings, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over ESQ on the outlook, with more favorable profitability expectations.
ESQ Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for ESQ, 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 has the edge over ESQ on earnings, with stronger typical year-over-year growth.
ESQ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.80 | +47% |
| Q3 2026 | $6.00 | +5.6% |
| Q2 2026 | $6.05 | +12% |
| Q1 2026 | $5.94 | +13% |
| Q4 2025 | $5.87 | +14% |
| Q3 2025 | $5.68 | +15% |
| Q2 2025 | $5.40 | +13% |
| Q1 2025 | $5.27 | +14% |
| Q4 2024 | $5.14 | +4.7% |
ESQ's earnings per share have climbed steadily: $6.00 over the past year, up 5.6% from the year before, and higher year over year for 23 quarters in a row.
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.
ESQ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $61.4M | +63% |
| Q2 2026 | $42.1M | +18% |
| Q1 2026 | $40.5M | +20% |
| Q4 2025 | $39.4M | +19% |
| Q3 2025 | $37.6M | +18% |
| Q2 2025 | $35.8M | +17% |
| Q1 2025 | $33.8M | +15% |
| Q4 2024 | $33.1M | +14% |
ESQ has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -8 points |
| Q2 2026 | 43% | +0.5 points |
| Q1 2026 | 42% | -3.7 points |
| Q4 2025 | 44% | -3.2 points |
| Q3 2025 | 46% | -2.3 points |
| Q2 2025 | 43% | -4.4 points |
| Q1 2025 | 46% | -0.8 points |
| Q4 2024 | 47% | +0.6 points |
ESQ 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.
ESQ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13M | -20% |
| Q2 2026 | $14.4M | +54% |
| Q1 2026 | $19.3M | +32% |
| Q4 2025 | $16.5M | +42% |
| Q3 2025 | $16.2M | +55% |
| Q2 2025 | $9.3M | +36% |
| Q1 2025 | $14.7M | +17% |
| Q4 2024 | $11.6M | -29% |
ESQ 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 ESQ 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.
ESQ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +28% | +2.4M shares |
| 1 year | +28% | +2.5M shares |
| 3 years | +33% | +2.8M shares |
| 5 years | +40% | +3.2M shares |
| Available history | +43% | +3.4M shares |
ESQ has 11M diluted shares, up 28% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q1 2023 | $268,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | $82,000 |
| Q1 2020 | $485,000 |
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.
ESQ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.8x | Net Cash |
| Q2 2026 | -3.4x | Net Cash |
| Q1 2026 | -3.2x | Net Cash |
| Q4 2025 | -3.5x | Net Cash |
| Q3 2025 | -3.7x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -2.8x | Net Cash |
| Q4 2024 | -2.1x | Net Cash |
ESQ 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).
ESQ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.7 | Neutral |
| Stochastic | 75.2 | Neutral |
ESQ's weekly RSI is 64 (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 has the edge over ESQ on valuation relative to its sector.
ESQ PE vs Financial Services Sector
| Metric | ESQ | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 13x | 69% above |
| PE % | 100 | 63 | 37 pts above |
ESQ is trading at 22x earnings, a 69% 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.
ESQ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $123.6 | 6.5% above |
| 20 week MA | $122.4 | 7.6% above |
| 50 week MA | $113.9 | 16% above |
| 100 week MA | $101.8 | 29% above |
| 200 week MA | $76.0 | 73% above |
ESQ 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.
ESQ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.7 | $19.3 | -28% |
| 2021 | $19.3 | $31.3 | +63% |
| 2022 | $31.3 | $42.8 | +37% |
| 2023 | $42.8 | $50.0 | +17% |
| 2024 | $50.0 | $78.8 | +58% |
| 2025 | $78.8 | $105.0 | +33% |
| 2026 YTD | $105.0 | $131.7 | +25% |
ESQ has the edge over BAC on returns for 2026, with the stronger performance.