BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
FIBK
First Interstate BancSystem, Inc.
FIBK 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.
FIBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FIBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FIBK.
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.
FIBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $34.46 | -8.5% |
| Current | 12x | $37.67 | — |
| Fair | 13x | $42.01 | +12% |
| Forward | 13x | $37.67 | — |
| Expensive | 16x | $51.86 | +38% |
Historical ranges are pointers, not guarantees.
FIBK 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 |
BAC has the edge over FIBK on the outlook, with more favorable valuation and revenue expectations.
FIBK Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect FIBK's earnings to grow and its profitability to improve, with its revenue holding steady.
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 FIBK on earnings, with more consistent year-over-year improvement.
FIBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.89 | -9.8% |
| Q3 2026 | $3.20 | +35% |
| Q2 2026 | $3.24 | +46% |
| Q1 2026 | $3.06 | +45% |
| Q4 2025 | $2.94 | +34% |
| Q3 2025 | $2.37 | +3.9% |
| Q2 2025 | $2.22 | -9% |
| Q1 2025 | $2.11 | -16% |
| Q4 2024 | $2.19 | -12% |
FIBK earned $3.20 per share over the past year, up 35% 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 FIBK 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.
FIBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $249.5M | -0.4% |
| Q2 2026 | $263.9M | +6.3% |
| Q1 2026 | $241.8M | -2.1% |
| Q4 2025 | $313M | +20% |
| Q3 2025 | $250.5M | -0.6% |
| Q2 2025 | $248.3M | +1.6% |
| Q1 2025 | $247M | +2% |
| Q4 2024 | $261.3M | +3.6% |
FIBK's revenue has picked up after three years of holding roughly level: $250M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 33% | -4.1 points |
| Q2 2026 | 41% | +3.3 points |
| Q1 2026 | 32% | +5.2 points |
| Q4 2025 | 44% | +19 points |
| Q3 2025 | 37% | +8.1 points |
| Q2 2025 | 38% | +5.6 points |
| Q1 2025 | 27% | -4.8 points |
| Q4 2024 | 26% | -6.5 points |
FIBK 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 has the edge over FIBK on cash flow, with more consistent year-over-year improvement.
FIBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $105.7M | +15% |
| Q2 2026 | $57.9M | -15% |
| Q1 2026 | $55M | -30% |
| Q4 2025 | $67.3M | -29% |
| Q3 2025 | $91.7M | +2% |
| Q2 2025 | $68.1M | -17% |
| Q1 2025 | $78.5M | -10% |
| Q4 2024 | $95.2M | +37% |
FIBK's free cash flow was $286M over the past year, down 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FIBK.
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.
FIBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -1.7M shares |
| 1 year | -8% | -8.3M shares |
| 3 years | -8.4% | -8.7M shares |
| 5 years | +54% | +33.3M shares |
| Available history | +49% | +31.2M shares |
FIBK has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $77.2M |
| Q2 2026 | $69.5M |
| Q1 2026 | $87.7M |
| Q4 2025 | $91.2M |
| Q3 2025 | $27.5M |
| Q2 2025 | — |
| Q1 2025 | $3.2M |
| Q4 2024 | — |
FIBK spent $326M 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.
FIBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.5x | Net Cash |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | -0.7x | Net Cash |
FIBK 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).
FIBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 63.9 | Neutral |
FIBK's weekly RSI is 55 (neutral) and its Stochastic is 64 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
FIBK PE vs Financial Services Sector
| Metric | FIBK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.6% below |
| PE % | 30 | 63 | 33 pts below |
FIBK 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.
FIBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $36.5 | 3.1% above |
| 20 week MA | $37.4 | 0.6% above |
| 50 week MA | $36.3 | 3.8% above |
| 100 week MA | $33.2 | 13% above |
| 200 week MA | $30.7 | 23% above |
FIBK 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.
FIBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $41.8 | $40.7 | -2.8% |
| 2021 | $40.7 | $39.1 | -3.8% |
| 2022 | $39.1 | $38.3 | -2% |
| 2023 | $38.3 | $30.8 | -20% |
| 2024 | $30.8 | $32.4 | +5.3% |
| 2025 | $32.4 | $35.9 | +11% |
| 2026 YTD | $35.9 | $37.7 | +4.8% |
FIBK has the edge over BAC on returns for 2026, with the stronger performance.