BAC
Bank of America Corporation
BAC has the edge over FSUN overall, supported by stronger valuation and stronger fundamentals.
FSUN
FirstSun Capital Bancorp
FSUN's outlook is improving despite an expensive valuation.
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.
FSUN Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Stable | |
| N/A | |
| N/A |
FSUN's revenue is currently strong, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FSUN.
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 FSUN in the historical PE scenario, which offers more potential upside but is not a forecast.
FSUN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.4x | $16.66 | -57% |
| Forward | 8.9x | $39.05 | — |
| Fair | 11x | $22.51 | -42% |
| Expensive | 14x | $26.87 | -31% |
| Current | 20x | $39.05 | — |
Historical ranges are pointers, not guarantees.
FSUN's PE is in its expensive range at 20x. 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.
FSUN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for FSUN, 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 FSUN on earnings, with more consistent year-over-year improvement.
FSUN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.39 | +122% |
| Q3 2026 | $1.98 | -37% |
| Q2 2026 | $1.98 | -37% |
| Q1 2026 | $3.40 | +11% |
| Q4 2025 | $3.47 | +29% |
| Q3 2025 | $3.15 | +2.9% |
| Q2 2025 | $3.12 | -4.6% |
| Q1 2025 | $3.07 | -12% |
| Q4 2024 | $2.69 | -34% |
FSUN's earnings per share have fallen from their peak: $1.98 over the past year, against $4.19 in mid-2023.
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 FSUN on profitability, with a higher operating margin.
FSUN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $179.7M | +67% |
| Q2 2026 | $184.1M | +74% |
| Q1 2026 | $110M | +14% |
| Q4 2025 | $110.2M | +12% |
| Q3 2025 | $107.3M | +9.2% |
| Q2 2025 | $105.6M | +9.8% |
| Q1 2025 | $96.2M | +2.8% |
| Q4 2024 | $98.7M | +11% |
FSUN has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +0.8 points |
| Q2 2026 | -15% | -46 points |
| Q1 2026 | 24% | -6.9 points |
| Q4 2025 | 29% | +8.6 points |
| Q3 2025 | 26% | -2.7 points |
| Q2 2025 | 31% | -1.1 points |
| Q1 2025 | 31% | +15 points |
| Q4 2024 | 20% | -14 points |
FSUN's operating margin was 27% last quarter, up 0.8 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.
FSUN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $48.4M | +1.5% |
| Q2 2026 | $1.1B | +8384% |
| Q1 2026 | -$14.1M | -158% |
| Q4 2025 | $19M | +603% |
| Q3 2025 | $47.6M | +1.2% |
| Q2 2025 | $13M | -34% |
| Q1 2025 | $24.3M | -6.7% |
| Q4 2024 | $2.7M | -93% |
FSUN's free cash flow was $1.2B over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like FSUN.
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 FSUN 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.
FSUN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +150K shares |
| 1 year | +66% | +18.6M shares |
| 3 years | +85% | +21.5M shares |
| 5 years | +150% | +28.1M shares |
FSUN has 47M diluted shares, up 66% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
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.
FSUN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.9x | Net Cash |
| Q2 2026 | -11.6x | Net Cash |
| Q1 2026 | -2.4x | Net Cash |
| Q4 2025 | -4.7x | Net Cash |
| Q3 2025 | -4.9x | Net Cash |
| Q2 2025 | -6.0x | Net Cash |
| Q1 2025 | -4.4x | Net Cash |
| Q4 2024 | -4.0x | Net Cash |
FSUN 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).
FSUN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.0 | Neutral |
| Stochastic | 45.1 | Neutral |
FSUN's weekly RSI is 52 (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 has the edge over FSUN on valuation relative to its sector.
FSUN PE vs Financial Services Sector
| Metric | FSUN | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 51% above |
| PE % | 95 | 58 | 37 pts above |
FSUN is trading at 20x earnings, a 51% premium to 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 |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
FSUN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $39.1 | 0.1% below |
| 20 week MA | $38.8 | 0.6% above |
| 50 week MA | $37.9 | 3% above |
| 100 week MA | $37.6 | 3.8% above |
| 200 week MA | $35.5 | 10% above |
FSUN 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.
FSUN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $30.0 | $35.9 | +20% |
| 2023 | $35.9 | $34.0 | -5.2% |
| 2024 | $34.0 | $39.7 | +17% |
| 2025 | $39.7 | $38.4 | -3.4% |
| 2026 YTD | $38.4 | $39.1 | +1.8% |
FSUN has the edge over BAC on returns for 2026, with the stronger performance.