BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
GBCI
Glacier Bancorp, Inc.
GBCI has the edge over BAC overall, supported by stronger fundamentals and stronger modeled upside.
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.
GBCI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
GBCI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like GBCI.
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 GBCI in the historical PE scenario, which offers more potential upside but is not a forecast.
GBCI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 14x | $48.14 | — |
| Cheap | 15x | $41.07 | -15% |
| Current | 18x | $48.14 | — |
| Fair | 19x | $50.20 | +4.3% |
| Expensive | 24x | $63.13 | +31% |
Historical ranges are pointers, not guarantees.
GBCI's PE is in its fair range at 18x. If earnings grow as analysts expect, today's price would be 14x 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.
GBCI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for GBCI, 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 GBCI on earnings, with more consistent year-over-year improvement.
GBCI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.48 | +30% |
| Q3 2026 | $2.67 | +31% |
| Q2 2026 | $2.44 | +27% |
| Q1 2026 | $2.14 | +15% |
| Q4 2025 | $1.99 | +19% |
| Q3 2025 | $2.04 | +26% |
| Q2 2025 | $1.92 | +17% |
| Q1 2025 | $1.86 | +6.3% |
| Q4 2024 | $1.67 | -17% |
GBCI earned $2.67 per share over the past year, up 31% 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.
GBCI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $329.8M | +27% |
| Q2 2026 | $317.5M | +32% |
| Q1 2026 | $306.8M | +38% |
| Q4 2025 | $306.5M | +37% |
| Q3 2025 | $260.7M | +21% |
| Q2 2025 | $240.6M | +21% |
| Q1 2025 | $222.6M | +13% |
| Q4 2024 | $223M | +13% |
GBCI has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +7.6 points |
| Q2 2026 | 39% | +12 points |
| Q1 2026 | 33% | +4.1 points |
| Q4 2025 | 25% | -8.1 points |
| Q3 2025 | 33% | +3.8 points |
| Q2 2025 | 27% | -0.2 points |
| Q1 2025 | 29% | +10 points |
| Q4 2024 | 33% | +1.5 points |
GBCI 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.
GBCI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $149.8M | +43% |
| Q2 2026 | $111.7M | +40% |
| Q1 2026 | $74.4M | +59% |
| Q3 2025 | $104.8M | -30% |
| Q2 2025 | $79.5M | +27% |
| Q1 2025 | $46.8M | +$103.5M |
| Q3 2024 | $150.1M | +15% |
| Q2 2024 | $62.7M | -48% |
GBCI 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 GBCI 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.
GBCI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +86.3K shares |
| 1 year | +10% | +11.8M shares |
| 3 years | +18% | +19.5M shares |
| 5 years | +36% | +34.8M shares |
| Available history | +48% | +42M shares |
GBCI has 130M diluted shares, up 10% from a year ago.
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.
GBCI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | 1.1x | Healthy |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 3.6x | Elevated |
| Q1 2025 | 4.7x | High |
| Q4 2024 | 6.5x | High |
GBCI 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).
GBCI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.0 | Neutral |
| Stochastic | 66.4 | Neutral |
GBCI's weekly RSI is 53 (neutral) and its Stochastic is 66 (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 GBCI on valuation relative to its sector.
GBCI PE vs Financial Services Sector
| Metric | GBCI | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 38% above |
| PE % | 39 | 63 | 24 pts below |
GBCI is trading at 18x earnings, a 38% 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.
GBCI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.0 | 4.7% above |
| 20 week MA | $47.7 | 0.9% above |
| 50 week MA | $47.4 | 1.5% above |
| 100 week MA | $46.4 | 3.8% above |
| 200 week MA | $42.7 | 13% above |
GBCI 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.
GBCI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $45.9 | $45.9 | -0.1% |
| 2021 | $45.9 | $56.0 | +22% |
| 2022 | $56.0 | $49.3 | -12% |
| 2023 | $49.3 | $41.3 | -16% |
| 2024 | $41.3 | $50.3 | +22% |
| 2025 | $50.3 | $45.5 | -9.5% |
| 2026 YTD | $45.5 | $48.1 | +5.8% |
GBCI has the edge over BAC on returns for 2026, with the stronger performance.