BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
FNB
F.N.B. Corporation
FNB 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.
FNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FNB'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 FNB.
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 FNB in the historical PE scenario, which offers more potential upside but is not a forecast.
FNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $13.76 | -24% |
| Forward | 9.7x | $18.10 | — |
| Fair | 11x | $18.38 | +1.6% |
| Current | 11x | $18.10 | — |
| Expensive | 12x | $21.08 | +16% |
Historical ranges are pointers, not guarantees.
FNB's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.7x 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.
FNB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FNB, 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's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
FNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.86 | +9.3% |
| Q3 2026 | $1.70 | +21% |
| Q2 2026 | $1.68 | +30% |
| Q1 2026 | $1.62 | +28% |
| Q4 2025 | $1.56 | +23% |
| Q3 2025 | $1.40 | +30% |
| Q2 2025 | $1.29 | +9.3% |
| Q1 2025 | $1.27 | +3.3% |
| Q4 2024 | $1.27 | -3.1% |
FNB earned $1.70 per share over the past year, up 21% 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 FNB 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.
FNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $469M | +2.6% |
| Q2 2026 | $463M | +5.5% |
| Q1 2026 | $450M | +9.5% |
| Q4 2025 | $458M | +23% |
| Q3 2025 | $457M | +11% |
| Q2 2025 | $439M | +8.7% |
| Q1 2025 | $411M | +1% |
| Q4 2024 | $373M | +10% |
FNB's revenue has grown year over year for nine quarters in a row: $469M last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | -0.4 points |
| Q2 2026 | 41% | +2.8 points |
| Q1 2026 | 39% | +2.7 points |
| Q4 2025 | 36% | +8.7 points |
| Q3 2025 | 42% | +7.6 points |
| Q2 2025 | 38% | -1 points |
| Q1 2025 | 36% | -2.3 points |
| Q4 2024 | 27% | +9.9 points |
FNB 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.
FNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $250M | +68% |
| Q2 2026 | $241M | +184% |
| Q1 2026 | $133M | +209% |
| Q4 2025 | $99M | -64% |
| Q3 2025 | $149M | +$195M |
| Q2 2025 | $85M | +55% |
| Q1 2025 | $43M | -80% |
| Q4 2024 | $278M | +$315M |
FNB 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 FNB 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.
FNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -2.4M shares |
| 1 year | -1.9% | -6.7M shares |
| 3 years | -1.9% | -6.8M shares |
| 5 years | +9.9% | +32.1M shares |
| Available history | +8.9% | +28.9M shares |
FNB has 355M diluted shares, down 1.9% from a year ago, with $152M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $52M |
| Q2 2026 | $47M |
| Q1 2026 | $35M |
| Q4 2025 | $18M |
| Q3 2025 | $12M |
| Q2 2025 | $10M |
| Q1 2025 | $10M |
| Q4 2024 | — |
FNB spent $152M buying back its own shares over the past year, about five 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.
FNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.8x | Moderate |
| Q2 2026 | 2.9x | Moderate |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 1.9x | Healthy |
| Q3 2025 | 2.3x | Moderate |
| Q2 2025 | 3.4x | Elevated |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | 3.0x | Moderate |
FNB 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).
FNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 45.2 | Neutral |
FNB's weekly RSI is 51 (neutral) and its Stochastic is 45 (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.
FNB PE vs Financial Services Sector
| Metric | FNB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 44 | 63 | 19 pts below |
FNB 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.
FNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.7 | 2.3% above |
| 20 week MA | $18.3 | 1.3% below |
| 50 week MA | $17.8 | 1.5% above |
| 100 week MA | $16.4 | 11% above |
| 200 week MA | $14.7 | 23% above |
FNB 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.
FNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.6 | $9.41 | -25% |
| 2021 | $9.41 | $12.0 | +27% |
| 2022 | $12.0 | $12.9 | +7.5% |
| 2023 | $12.9 | $13.8 | +6.9% |
| 2024 | $13.8 | $14.7 | +7% |
| 2025 | $14.7 | $17.6 | +19% |
| 2026 YTD | $17.6 | $18.1 | +3.1% |
FNB has the edge over BAC on returns for 2026, with the stronger performance.