BAC
Bank of America Corporation
BAC has a slight edge over HAFC overall, supported by stronger valuation and stronger fundamentals.
HAFC
Hanmi Financial Corporation
HAFC'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.
HAFC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HAFC'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 HAFC.
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 HAFC in the historical PE scenario, which offers more potential upside but is not a forecast.
HAFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.5x | $19.78 | -39% |
| Forward | 9.6x | $32.54 | — |
| Fair | 9.9x | $30.10 | -7.5% |
| Current | 11x | $32.54 | — |
| Expensive | 12x | $36.02 | +11% |
Historical ranges are pointers, not guarantees.
HAFC's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.6x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
HAFC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for HAFC, 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 HAFC on earnings, with more consistent year-over-year improvement.
HAFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.39 | +11% |
| Q3 2026 | $3.04 | +27% |
| Q2 2026 | $2.97 | +38% |
| Q1 2026 | $2.68 | +26% |
| Q4 2025 | $2.51 | +22% |
| Q3 2025 | $2.39 | +15% |
| Q2 2025 | $2.15 | -2.7% |
| Q1 2025 | $2.13 | -11% |
| Q4 2024 | $2.05 | -22% |
HAFC earned $3.04 per share over the past year, up 27% 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.
HAFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.6M | +7.9% |
| Q2 2026 | $72.2M | +11% |
| Q1 2026 | $71.7M | +14% |
| Q4 2025 | $71.2M | +17% |
| Q3 2025 | $71M | +21% |
| Q2 2025 | $65.2M | +15% |
| Q1 2025 | $62.8M | +7.6% |
| Q4 2024 | $60.8M | +1.6% |
HAFC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | -0.2 points |
| Q2 2026 | 33% | +9.4 points |
| Q1 2026 | 31% | +3.3 points |
| Q4 2025 | 30% | -12 points |
| Q3 2025 | 31% | -5 points |
| Q2 2025 | 23% | -13 points |
| Q1 2025 | 28% | -9.1 points |
| Q4 2024 | 42% | -4.3 points |
HAFC 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.
HAFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.7M | -76% |
| Q2 2026 | -$9.9M | +$9.6M |
| Q1 2026 | $23.4M | -8.6% |
| Q4 2025 | $51.3M | +231% |
| Q3 2025 | $146.4M | +2632% |
| Q2 2025 | -$19.6M | -1626% |
| Q1 2025 | $25.6M | -12% |
| Q4 2024 | $15.5M | +154% |
HAFC's free cash flow was $101M over the past year, down 40% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HAFC.
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 HAFC 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.
HAFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -119K shares |
| 1 year | -1% | -311K shares |
| 3 years | -2.4% | -723K shares |
| 5 years | -3.2% | -982K shares |
| Available history | -3.9% | -1.2M shares |
HAFC has 30M diluted shares, down 1% from a year ago, with $16M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.8M |
| Q2 2026 | $4.8M |
| Q1 2026 | $4.8M |
| Q4 2025 | $2M |
| Q3 2025 | $4.7M |
| Q2 2025 | $1.6M |
| Q1 2025 | $1.1M |
| Q4 2024 | $554,000 |
HAFC spent $16M buying back its own shares over the past year, up 105% from the year before.
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.
HAFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | 1.0x | Very low |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | 1.0x | Healthy |
| Q3 2024 | 1.3x | Healthy |
HAFC 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).
HAFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.2 | Neutral |
| Stochastic | 62.8 | Neutral |
HAFC's weekly RSI is 59 (neutral) and its Stochastic is 63 (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.
HAFC PE vs Financial Services Sector
| Metric | HAFC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 60 | 63 | 3 pts below |
HAFC 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.
HAFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.0 | 1.8% above |
| 20 week MA | $32.0 | 1.8% above |
| 50 week MA | $29.8 | 9.1% above |
| 100 week MA | $26.9 | 21% above |
| 200 week MA | $22.5 | 44% above |
HAFC 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.
HAFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.9 | $11.5 | -42% |
| 2021 | $11.5 | $22.8 | +98% |
| 2022 | $22.8 | $24.7 | +8.4% |
| 2023 | $24.7 | $19.4 | -22% |
| 2024 | $19.4 | $23.4 | +21% |
| 2025 | $23.4 | $27.8 | +19% |
| 2026 YTD | $27.8 | $32.5 | +17% |
HAFC has the edge over BAC on returns for 2026, with the stronger performance.