BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
GABC
German American Bancorp, Inc.
GABC has the 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.
GABC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
GABC'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 GABC.
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.
GABC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $44.81 | -9.8% |
| Forward | 12x | $49.70 | — |
| Current | 13x | $49.70 | — |
| Fair | 14x | $52.85 | +6.3% |
| Expensive | 15x | $58.58 | +18% |
Historical ranges are pointers, not guarantees.
GABC 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 |
BAC has the edge over GABC on the outlook, with more favorable valuation expectations.
GABC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for GABC, 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 GABC on earnings, with more consistent year-over-year improvement.
GABC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.10 | +4.9% |
| Q3 2026 | $3.91 | +36% |
| Q2 2026 | $3.82 | +45% |
| Q1 2026 | $3.64 | +46% |
| Q4 2025 | $3.06 | +8.1% |
| Q3 2025 | $2.87 | +4% |
| Q2 2025 | $2.64 | -5% |
| Q1 2025 | $2.49 | -12% |
| Q4 2024 | $2.83 | -2.7% |
GABC earned $3.91 per share over the past year, up 36% 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'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.
GABC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $102.2M | +8.6% |
| Q2 2026 | $100M | +11% |
| Q1 2026 | $96.1M | +18% |
| Q4 2025 | $96M | +47% |
| Q3 2025 | $94.2M | +51% |
| Q2 2025 | $89.9M | +39% |
| Q1 2025 | $81.4M | +34% |
| Q4 2024 | $65.1M | +6.4% |
GABC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +1.1 points |
| Q2 2026 | 48% | +4.5 points |
| Q1 2026 | 43% | +27 points |
| Q4 2025 | 46% | +1.6 points |
| Q3 2025 | 46% | +5.4 points |
| Q2 2025 | 44% | +2.6 points |
| Q1 2025 | 16% | -22 points |
| Q4 2024 | 44% | +2.4 points |
GABC 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.
GABC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $31.4M | -37% |
| Q2 2026 | $55.3M | +111% |
| Q1 2026 | $36M | -1.9% |
| Q4 2025 | $41M | +46% |
| Q3 2025 | $50.1M | +118% |
| Q2 2025 | $26.2M | +54% |
| Q1 2025 | $36.7M | +62% |
| Q4 2024 | $28M | -4.4% |
GABC 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 GABC 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.
GABC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +14.1K shares |
| 1 year | +0.2% | +85.4K shares |
| 3 years | +27% | +8M shares |
| 5 years | +42% | +11M shares |
| Available history | +46% | +11.8M shares |
GABC has 38M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2020 | $1.2M |
| Q1 2020 | $4.5M |
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.
GABC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.7x | Very low |
| Q2 2025 | 0.9x | Very low |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 0.4x | Very low |
GABC 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).
GABC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 41.5 | Neutral |
GABC's weekly RSI is 57 (neutral) and its Stochastic is 41 (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 GABC on valuation relative to its sector.
GABC PE vs Financial Services Sector
| Metric | GABC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.4% below |
| PE % | 32 | 63 | 31 pts below |
GABC 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 |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
GABC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.6 | 0.3% above |
| 20 week MA | $49.5 | 0.4% above |
| 50 week MA | $45.2 | 10% above |
| 100 week MA | $42.1 | 18% above |
| 200 week MA | $37.9 | 31% above |
GABC 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.
GABC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.7 | $32.4 | -9.1% |
| 2021 | $32.4 | $39.2 | +21% |
| 2022 | $39.2 | $37.3 | -4.8% |
| 2023 | $37.3 | $32.4 | -13% |
| 2024 | $32.4 | $40.6 | +25% |
| 2025 | $40.6 | $40.1 | -1.1% |
| 2026 YTD | $40.1 | $49.7 | +24% |
GABC has the edge over BAC on returns for 2026, with the stronger performance.