BAC
Bank of America Corporation
BAC has the edge over FMNB overall, supported by stronger valuation and stronger fundamentals.
FMNB
Farmers National Banc Corp.
FMNB'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.
FMNB Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
FMNB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FMNB.
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 FMNB in the historical PE scenario, which offers more potential upside but is not a forecast.
FMNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.4x | $11.73 | -24% |
| Forward | 8.9x | $15.46 | — |
| Fair | 9.4x | $13.07 | -15% |
| Expensive | 11x | $15.07 | -2.5% |
| Current | 11x | $15.46 | — |
Historical ranges are pointers, not guarantees.
FMNB's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 8.9x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
FMNB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FMNB, with profitability improving.
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 FMNB on earnings, with more consistent year-over-year improvement.
FMNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.75 | +26% |
| Q3 2026 | $1.39 | -3.5% |
| Q2 2026 | $1.47 | +9.7% |
| Q1 2026 | $1.45 | +13% |
| Q4 2025 | $1.45 | +19% |
| Q3 2025 | $1.44 | +18% |
| Q2 2025 | $1.34 | -0.7% |
| Q1 2025 | $1.28 | -11% |
| Q4 2024 | $1.22 | -8.3% |
FMNB's earnings per share have fallen from their peak: $1.39 over the past year, against $2.02 in late 2021.
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 has the edge over FMNB on profitability, with a higher operating margin.
FMNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65.9M | +38% |
| Q2 2026 | $70.4M | +50% |
| Q1 2026 | $56.3M | +26% |
| Q4 2025 | $49.1M | +11% |
| Q3 2025 | $47.7M | +8% |
| Q2 2025 | $47M | +13% |
| Q1 2025 | $44.7M | +12% |
| Q4 2024 | $44.2M | -1.9% |
FMNB's revenue has grown year over year for seven quarters in a row: $66M last quarter, up 38% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | -5.7 points |
| Q2 2026 | 39% | +3.8 points |
| Q1 2026 | 36% | -1.1 points |
| Q4 2025 | 36% | -3.9 points |
| Q3 2025 | 31% | +7.8 points |
| Q2 2025 | 35% | +0.7 points |
| Q1 2025 | 37% | +3 points |
| Q4 2024 | 40% | +0.6 points |
FMNB's operating margin was 25% last quarter, down 5.7 points from the same quarter a year ago.
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.
FMNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.1M | +211% |
| Q2 2026 | $26M | +109% |
| Q1 2026 | $7.1M | -42% |
| Q3 2025 | $9M | -62% |
| Q2 2025 | $12.4M | -25% |
| Q1 2025 | $12.2M | -7.5% |
| Q3 2024 | $23.7M | +21% |
| Q2 2024 | $16.5M | +8.6% |
FMNB 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 FMNB 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.
FMNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +78.4K shares |
| 1 year | +57% | +21.6M shares |
| 3 years | +59% | +21.9M shares |
| 5 years | +109% | +30.9M shares |
| Available history | +113% | +31.4M shares |
FMNB has 59M diluted shares, up 57% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | $11.5M |
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.
FMNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.4x | High |
| Q2 2026 | 4.7x | High |
| Q1 2026 | 5.2x | High |
| Q4 2025 | 4.8x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 4.0x | High |
| Q1 2025 | 2.6x | Moderate |
| Q4 2024 | 6.0x | High |
FMNB 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).
FMNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.0 | Neutral |
| Stochastic | 43.3 | Neutral |
FMNB's weekly RSI is 55 (neutral) and its Stochastic is 43 (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.
FMNB PE vs Financial Services Sector
| Metric | FMNB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 87 | 63 | 24 pts above |
FMNB 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.
FMNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.4 | 0.3% above |
| 20 week MA | $15.4 | 0.2% above |
| 50 week MA | $14.4 | 7.5% above |
| 100 week MA | $14.0 | 10% above |
| 200 week MA | $13.6 | 14% above |
FMNB 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.
FMNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.4 | $13.2 | -19% |
| 2021 | $13.2 | $18.3 | +39% |
| 2022 | $18.3 | $14.2 | -22% |
| 2023 | $14.2 | $14.5 | +1.5% |
| 2024 | $14.5 | $14.0 | -3.1% |
| 2025 | $14.0 | $13.7 | -2.4% |
| 2026 YTD | $13.7 | $15.5 | +13% |
FMNB has the edge over BAC on returns for 2026, with the stronger performance.