BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
FUTU
Futu Holdings Limited
FUTU has a slight edge over BAC overall, supported by stronger fundamentals.
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.
FUTU Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FUTU's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FUTU.
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.
FUTU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 9.5x | $95.62 | — |
| Cheap | 15x | $155 | +63% |
| Fair | 22x | $222 | +132% |
| Expensive | 73x | $731 | +664% |
Historical ranges are pointers, not guarantees.
FUTU 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.
FUTU Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FUTU, 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.
FUTU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $10.07 | +40% |
| Q1 2026 | $9.06 | +52% |
| Q4 2025 | $10.24 | +107% |
| Q3 2025 | $8.89 | +119% |
| Q2 2025 | $7.18 | +86% |
| Q1 2025 | $5.95 | +58% |
| Q4 2024 | $4.95 | +27% |
| Q3 2022 | $2.14 | -13% |
FUTU's earnings per share have climbed steadily: $10.07 over the past year, up 40% from the year before, and higher year over year for 11 quarters in a row.
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.
FUTU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $918.1M | +36% |
| Q1 2026 | $745.9M | +25% |
| Q4 2025 | $820.7M | +45% |
| Q3 2025 | $815.6M | +86% |
| Q2 2025 | $676.5M | +70% |
| Q1 2025 | $598M | +81% |
| Q4 2024 | $564.6M | +87% |
| Q3 2024 | $437.7M | +30% |
FUTU has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 69% | +6.1 points |
| Q1 2026 | 60% | +3.1 points |
| Q4 2025 | 64% | +14 points |
| Q3 2025 | 61% | +11 points |
| Q2 2025 | 63% | +16 points |
| Q1 2025 | 57% | +11 points |
| Q4 2024 | 50% | +6.9 points |
| Q3 2024 | 50% | +0.6 points |
FUTU 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 has the edge over FUTU on cash flow, with more consistent year-over-year improvement.
FUTU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
FUTU's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like FUTU.
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 FUTU 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.
FUTU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -1.6M shares |
| 1 year | -0.6% | -777K shares |
| 3 years | -0.1% | -75.5K shares |
| 5 years | -3.6% | -5.3M shares |
| Available history | +7.4% | +9.7M shares |
FUTU has 140M diluted shares, down 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
FUTU hasn't bought back shares in the past year.
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.
FUTU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | -7.6x | Net Cash |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | 0.4x | Very low |
| Q1 2025 | 0.6x | Very low |
| Q4 2024 | -0.5x | Net Cash |
| Q3 2024 | -0.9x | Net Cash |
FUTU 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).
FUTU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.9 | Neutral |
| Stochastic | 17.6 | Oversold |
FUTU's weekly RSI is 39 (neutral) and its Stochastic is 18 (oversold).
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.
FUTU PE vs Financial Services Sector
| Metric | FUTU | Sector median | Relative |
|---|---|---|---|
| PE | 9.5x | 13x | 27% below |
| PE % | 0 | 63 | 63 pts below |
FUTU 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.
FUTU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $103.1 | 7.2% below |
| 20 week MA | $106.2 | 10% below |
| 50 week MA | $128.8 | 26% below |
| 100 week MA | $129.7 | 26% below |
| 200 week MA | $94.6 | 1.1% above |
FUTU has fallen below most of its moving averages, though it's still 1.1% above its 200-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 the edge over FUTU on returns for 2026, with the stronger performance.
FUTU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.93 | $37.9 | +281% |
| 2021 | $37.9 | $40.9 | +8% |
| 2022 | $40.9 | $62.1 | +52% |
| 2023 | $62.1 | $54.6 | -12% |
| 2024 | $54.6 | $82.8 | +52% |
| 2025 | $82.8 | $165.2 | +99% |
| 2026 YTD | $165.2 | $95.6 | -42% |
FUTU is down 42% so far in 2026, after finishing higher in five of the previous six years.