BAC
Bank of America Corporation
BAC has a slight edge over FMBH overall, supported by stronger valuation and stronger modeled upside.
FMBH
First Mid Bancshares, Inc.
FMBH's outlook is improving, though it still trails on the overall 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.
FMBH Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FMBH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FMBH.
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 FMBH in the historical PE scenario, which offers more potential upside but is not a forecast.
FMBH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.2x | $39.79 | -22% |
| Fair | 11x | $46.53 | -9.1% |
| Forward | 11x | $51.19 | — |
| Current | 12x | $51.19 | — |
| Expensive | 13x | $56.93 | +11% |
Historical ranges are pointers, not guarantees.
FMBH's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x 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 FMBH on the outlook, with more favorable profitability expectations.
FMBH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FMBH, with profitability 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 FMBH on earnings, with stronger typical year-over-year growth.
FMBH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.75 | +9.6% |
| Q3 2026 | $4.33 | +18% |
| Q2 2026 | $4.02 | +14% |
| Q1 2026 | $3.96 | +18% |
| Q4 2025 | $3.83 | +16% |
| Q3 2025 | $3.66 | +13% |
| Q2 2025 | $3.53 | +14% |
| Q1 2025 | $3.37 | +9.4% |
| Q4 2024 | $3.30 | +4.8% |
FMBH's earnings per share have climbed steadily: $4.33 over the past year, up 18% from the year before, and higher year over year for eight 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 has the edge over FMBH on sales, with stronger typical year-over-year growth.
| 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.
FMBH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $106.6M | +19% |
| Q2 2026 | $108.5M | +24% |
| Q1 2026 | $97.2M | +15% |
| Q4 2025 | $88.2M | +3.4% |
| Q3 2025 | $89.3M | +11% |
| Q2 2025 | $87.5M | +10% |
| Q1 2025 | $84.3M | +5.4% |
| Q4 2024 | $85.3M | +7.7% |
FMBH's revenue has grown year over year for 13 quarters in a row: $107M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.1 points |
| Q2 2026 | 33% | -1 points |
| Q1 2026 | 35% | +1.5 points |
| Q4 2025 | 34% | +4.3 points |
| Q3 2025 | 32% | +0.7 points |
| Q2 2025 | 34% | +0.7 points |
| Q1 2025 | 33% | -0.3 points |
| Q4 2024 | 30% | +2.4 points |
FMBH 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.
FMBH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.8M | +43% |
| Q2 2026 | $24.2M | +305% |
| Q1 2026 | $23.1M | -50% |
| Q4 2025 | $40.2M | +8.5% |
| Q3 2025 | $31.9M | -0.3% |
| Q2 2025 | $6M | -74% |
| Q1 2025 | $46M | +67% |
| Q4 2024 | $37M | +31% |
FMBH 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 FMBH 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.
FMBH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -3K shares |
| 1 year | +11% | +2.6M shares |
| 3 years | +19% | +4.3M shares |
| 5 years | +47% | +8.5M shares |
| Available history | +59% | +9.9M shares |
FMBH has 27M diluted shares, up 11% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $921,000 |
| Q1 2026 | $500,000 |
| Q4 2024 | $659,000 |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $460,000 |
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.
FMBH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2020 | -0.8x | Net Cash |
| Q4 2019 | -1.2x | Net Cash |
FMBH has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FMBH.
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).
FMBH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.6 | Neutral |
| Stochastic | 53.0 | Neutral |
FMBH's weekly RSI is 62 (neutral) and its Stochastic is 53 (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.
FMBH PE vs Financial Services Sector
| Metric | FMBH | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.2% below |
| PE % | 66 | 63 | 3 pts above |
FMBH 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.
FMBH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $50.1 | 2.2% above |
| 20 week MA | $50.3 | 1.8% above |
| 50 week MA | $45.6 | 12% above |
| 100 week MA | $41.2 | 24% above |
| 200 week MA | $36.5 | 40% above |
FMBH 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.
FMBH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.3 | $33.5 | -5.1% |
| 2021 | $33.5 | $42.6 | +27% |
| 2022 | $42.6 | $32.2 | -24% |
| 2023 | $32.2 | $34.7 | +7.7% |
| 2024 | $34.7 | $37.0 | +6.7% |
| 2025 | $37.0 | $40.0 | +8.1% |
| 2026 YTD | $40.0 | $51.2 | +28% |
FMBH has the edge over BAC on returns for 2026, with the stronger performance.