BAC
Bank of America Corporation
BAC has a slight edge over FCBC overall, supported by stronger valuation and stronger modeled upside.
FCBC
First Community Bankshares, Inc.
FCBC 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.
FCBC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
FCBC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCBC.
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 FCBC in the historical PE scenario, which offers more potential upside but is not a forecast.
FCBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $33.53 | -27% |
| Fair | 12x | $40.79 | -11% |
| Current | 14x | $45.89 | — |
| Forward | 14x | $45.89 | — |
| Expensive | 15x | $48.87 | +6.5% |
Historical ranges are pointers, not guarantees.
FCBC's PE is in its expensive range at 13.9x. On analysts' estimates for next year's earnings, today's price would be 14.1x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over FCBC on the outlook, with more favorable valuation and profitability expectations.
FCBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FCBC, 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 FCBC on earnings, with more consistent year-over-year improvement.
FCBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.25 | -1.7% |
| Q3 2026 | $3.31 | +23% |
| Q2 2026 | $3.17 | +16% |
| Q1 2026 | $2.65 | -4.3% |
| Q4 2025 | $2.66 | -6.3% |
| Q3 2025 | $2.69 | -3.6% |
| Q2 2025 | $2.73 | -4.9% |
| Q1 2025 | $2.77 | +2.2% |
| Q4 2024 | $2.84 | +4.4% |
FCBC earned $3.31 per share over the past year, up 23% 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 has the edge over FCBC on sales, with more consistent year-over-year improvement.
| 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.
FCBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $48.5M | +15% |
| Q2 2026 | $57.2M | +40% |
| Q1 2026 | $44.8M | +10% |
| Q4 2025 | $43.8M | +5.1% |
| Q3 2025 | $42.2M | +0.3% |
| Q2 2025 | $41M | -0.6% |
| Q1 2025 | $40.5M | -0.9% |
| Q4 2024 | $41.7M | -2% |
FCBC's revenue has grown year over year for five quarters in a row: $49M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +3.3 points |
| Q2 2026 | 51% | +12 points |
| Q1 2026 | 35% | -2.7 points |
| Q4 2025 | 37% | -2.7 points |
| Q3 2025 | 38% | -1.5 points |
| Q2 2025 | 39% | -0.7 points |
| Q1 2025 | 38% | -2.7 points |
| Q4 2024 | 40% | +4.9 points |
FCBC 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.
FCBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.5M | +11% |
| Q2 2026 | $17.8M | +79% |
| Q1 2026 | -$12.5M | -203% |
| Q4 2025 | $19.4M | +32% |
| Q3 2025 | $18.5M | +69% |
| Q2 2025 | $10M | -29% |
| Q1 2025 | $12.1M | -20% |
| Q4 2024 | $14.8M | +2% |
FCBC 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 FCBC 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.
FCBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +13.9K shares |
| 1 year | +3.2% | +593K shares |
| 3 years | +0.9% | +161K shares |
| 5 years | +9.9% | +1.7M shares |
| Available history | +21% | +3.3M shares |
FCBC has 19M diluted shares, up 3.2% from a year ago, despite $20M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $20.3M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.9M |
| Q1 2025 | — |
| Q4 2024 | — |
FCBC spent $20M buying back its own shares over the past year, more than ten times what it spent 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.
FCBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.2x | Net Cash |
| Q4 2024 | -1.1x | Net Cash |
FCBC 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).
FCBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 25.1 | Neutral |
FCBC's weekly RSI is 50 (neutral) and its Stochastic is 25 (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 FCBC on valuation relative to its sector.
FCBC PE vs Financial Services Sector
| Metric | FCBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.5% above |
| PE % | 73 | 63 | 10 pts above |
FCBC 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.
FCBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.3 | 3% below |
| 20 week MA | $47.4 | 3.2% below |
| 50 week MA | $42.7 | 7.5% above |
| 100 week MA | $40.3 | 14% above |
| 200 week MA | $37.4 | 23% above |
FCBC 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.
FCBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.0 | $21.8 | -30% |
| 2021 | $21.8 | $33.5 | +53% |
| 2022 | $33.5 | $34.8 | +4% |
| 2023 | $34.8 | $37.1 | +6.5% |
| 2024 | $37.1 | $41.7 | +12% |
| 2025 | $41.7 | $33.8 | -19% |
| 2026 YTD | $33.8 | $45.9 | +36% |
FCBC has the edge over BAC on returns for 2026, with the stronger performance.