BAC
Bank of America Corporation
BAC has the edge over FUNC overall, supported by stronger valuation and stronger fundamentals.
FUNC
First United Corporation
FUNC'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.
FUNC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
FUNC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FUNC.
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 FUNC in the historical PE scenario, which offers more potential upside but is not a forecast.
FUNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.3x | $20.60 | -56% |
| Fair | 8.6x | $33.56 | -28% |
| Forward | 9.6x | $46.40 | — |
| Expensive | 11x | $44.55 | -4% |
| Current | 12x | $46.40 | — |
Historical ranges are pointers, not guarantees.
FUNC's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 9.6x next year's earnings, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
FUNC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FUNC, 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.
FUNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.83 | +23% |
| Q3 2026 | $3.91 | +2.1% |
| Q2 2026 | $3.87 | +6% |
| Q1 2026 | $3.91 | +12% |
| Q4 2025 | $3.77 | +20% |
| Q3 2025 | $3.83 | +55% |
| Q2 2025 | $3.65 | +62% |
| Q1 2025 | $3.48 | +61% |
| Q4 2024 | $3.15 | +40% |
FUNC has the edge over BAC on earnings, with stronger typical year-over-year growth.
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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
FUNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25.2M | +11% |
| Q2 2026 | $23.9M | +9.9% |
| Q1 2026 | $23.4M | +12% |
| Q4 2025 | $23.2M | +12% |
| Q3 2025 | $22.7M | +12% |
| Q2 2025 | $21.8M | +8.5% |
| Q1 2025 | $20.9M | +12% |
| Q4 2024 | $20.8M | +40% |
FUNC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -3.1 points |
| Q2 2026 | 31% | -5.6 points |
| Q1 2026 | 38% | +1 points |
| Q4 2025 | 33% | -6.4 points |
| Q3 2025 | 41% | +2.7 points |
| Q2 2025 | 37% | +4 points |
| Q1 2025 | 37% | +11 points |
| Q4 2024 | 39% | +25 points |
FUNC 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.
FUNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.6M | +2621% |
| Q2 2026 | $4.7M | +560% |
| Q1 2026 | $13M | +104% |
| Q4 2025 | $8.2M | -11% |
| Q3 2025 | $168K | -71% |
| Q2 2025 | $706K | -90% |
| Q1 2025 | $6.4M | +81% |
| Q4 2024 | $9.2M | +61% |
FUNC 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 FUNC 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.
FUNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +3K shares |
| 1 year | -0.7% | -44K shares |
| 3 years | -3.9% | -264K shares |
| 5 years | -2.4% | -160K shares |
| Available history | -9% | -637K shares |
FUNC has 6M diluted shares, down 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $371,000 |
| Q1 2026 | $2.2M |
| Q4 2024 | $1,000 |
| Q3 2024 | $1,000 |
| Q4 2023 | $1.5M |
| 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.
FUNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | 3.5x | Elevated |
FUNC 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).
FUNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.5 | Neutral |
| Stochastic | 75.8 | Neutral |
FUNC's weekly RSI is 65 (neutral) and its Stochastic is 76 (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.
FUNC PE vs Financial Services Sector
| Metric | FUNC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.8% below |
| PE % | 87 | 63 | 24 pts above |
FUNC 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.
FUNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $44.8 | 3.6% above |
| 20 week MA | $44.5 | 4.2% above |
| 50 week MA | $40.8 | 14% above |
| 100 week MA | $37.1 | 25% above |
| 200 week MA | $29.3 | 59% above |
FUNC 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.
FUNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.0 | $16.0 | -33% |
| 2021 | $16.0 | $18.7 | +17% |
| 2022 | $18.7 | $19.2 | +2.9% |
| 2023 | $19.2 | $23.5 | +22% |
| 2024 | $23.5 | $33.9 | +44% |
| 2025 | $33.9 | $38.7 | +14% |
| 2026 YTD | $38.7 | $46.4 | +20% |
FUNC has the edge over BAC on returns for 2026, with the stronger performance.