BAC
Bank of America Corporation
BAC has the edge over FNRN overall, supported by stronger modeled upside and stronger valuation.
FNRN
First Northern Community Bancorp
FNRN 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.
FNRN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FNRN'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 FNRN.
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.
FNRN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $13.75 | -19% |
| Fair | 12x | $15.50 | -8.8% |
| Expensive | 13x | $17.50 | +2.9% |
| Current | 13x | $17.00 | — |
Historical ranges are pointers, not guarantees.
FNRN 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
FNRN Forward outlook
There aren't enough analyst estimates for FNRN to show an outlook.
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 FNRN on earnings, with more consistent year-over-year improvement.
FNRN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.34 | +11% |
| Q2 2026 | $1.32 | +13% |
| Q1 2026 | $1.37 | +25% |
| Q4 2025 | $1.22 | +7% |
| Q3 2025 | $1.21 | 0% |
| Q2 2025 | $1.17 | +0.9% |
| Q1 2025 | $1.10 | -5.2% |
| Q4 2024 | $1.14 | -8.1% |
FNRN earned $1.34 per share over the past year, up 11% 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 FNRN 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.
FNRN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $21M | +13% |
| Q2 2026 | $18.8M | +1.5% |
| Q1 2026 | $18.9M | +8.9% |
| Q4 2025 | $19.2M | +6.5% |
| Q3 2025 | $18.5M | +2.6% |
| Q2 2025 | $18.5M | +5.9% |
| Q1 2025 | $17.4M | +3.1% |
| Q4 2024 | $18M | -3.1% |
FNRN's revenue has grown year over year for seven quarters in a row: $21M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +3.9 points |
| Q2 2026 | 33% | -8 points |
| Q1 2026 | 40% | +12 points |
| Q4 2025 | 43% | -2 points |
| Q3 2025 | 36% | -6.9 points |
| Q2 2025 | 41% | +6.1 points |
| Q1 2025 | 28% | -6.7 points |
| Q4 2024 | 45% | -5.9 points |
FNRN 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.
FNRN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.9M | +$11.4M |
| Q2 2026 | $2.9M | +32% |
| Q1 2026 | $3.8M | +13% |
| Q4 2025 | $7.1M | +15% |
| Q3 2025 | -$7.5M | -195% |
| Q2 2025 | $2.2M | -9% |
| Q1 2025 | $3.3M | +25% |
| Q4 2024 | $6.2M | +192% |
FNRN 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 FNRN 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.
FNRN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -31.4K shares |
| 1 year | -0.5% | -90.3K shares |
| 3 years | -2.7% | -453K shares |
| 5 years | -4.7% | -807K shares |
| Available history | -4.9% | -850K shares |
FNRN has 16M diluted shares, down 0.5% from a year ago, with $5M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.8M |
| Q2 2026 | $244,000 |
| Q1 2026 | $1.2M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | $876,000 |
| Q1 2025 | $1.3M |
| Q4 2024 | $969,000 |
FNRN spent $5M buying back its own shares over the past year, up 11% from 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.
FNRN Net Leverage
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).
FNRN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.4 | Neutral |
| Stochastic | 39.7 | Neutral |
FNRN's weekly RSI is 51 (neutral) and its Stochastic is 40 (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 FNRN on valuation relative to its sector.
FNRN PE vs Financial Services Sector
| Metric | FNRN | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.5% below |
| PE % | 64 | 25 | 39 pts above |
FNRN is trading at 13x 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 |
FNRN has stronger trend alignment. BAC is above 1 of 5 weekly averages versus FNRN above 2 of 3.
FNRN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 0.2% above |
| 20 week MA | $17.4 | 2.1% below |
| 50 week MA | $16.1 | 5.9% above |
FNRN's trend is mixed: it's above two of its three weekly moving averages, and 5.9% above its 50-week average.
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.
FNRN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $9.34 | $13.4 | +44% |
| 2026 YTD | $13.4 | $17.0 | +27% |
FNRN has the edge over BAC on returns for 2026, with the stronger performance.