BAC
Bank of America Corporation
BAC has the edge over HBT overall, supported by stronger valuation and stronger fundamentals.
HBT
HBT Financial, Inc.
HBT trails on the overall score without a compensating advantage in the available component scores.
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.
HBT Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
HBT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HBT.
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 HBT in the historical PE scenario, which offers more potential upside but is not a forecast.
HBT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $23.32 | -38% |
| Fair | 10x | $25.73 | -31% |
| Expensive | 11x | $28.51 | -24% |
| Forward | 11x | $37.49 | — |
| Current | 15x | $37.49 | — |
Historical ranges are pointers, not guarantees.
HBT's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over HBT on the outlook, with more favorable profitability expectations.
HBT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for HBT, but weaker profitability.
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 HBT on earnings, with more consistent year-over-year improvement.
HBT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.45 | +35% |
| Q3 2026 | $2.56 | +3.2% |
| Q2 2026 | $2.33 | -3.7% |
| Q1 2026 | $2.18 | -8.4% |
| Q4 2025 | $2.44 | +8% |
| Q3 2025 | $2.48 | +13% |
| Q2 2025 | $2.42 | +8% |
| Q1 2025 | $2.38 | +5.8% |
| Q4 2024 | $2.26 | +9.2% |
HBT earned $2.56 per share over the past year, up 3.2% 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 has the edge over HBT on sales, with stronger typical year-over-year growth.
| 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.
HBT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $84.6M | +41% |
| Q2 2026 | $80.9M | +38% |
| Q1 2026 | $67.3M | +16% |
| Q4 2025 | $60.4M | +2.4% |
| Q3 2025 | $59.8M | +6% |
| Q2 2025 | $58.8M | +3.8% |
| Q1 2025 | $58M | +11% |
| Q4 2024 | $59M | +4.9% |
HBT's revenue has grown year over year for eight quarters in a row: $85M last quarter, up 41% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +5.5 points |
| Q2 2026 | 47% | +1.9 points |
| Q1 2026 | 22% | -22 points |
| Q4 2025 | 43% | -3.5 points |
| Q3 2025 | 45% | +1.2 points |
| Q2 2025 | 45% | +0.8 points |
| Q1 2025 | 44% | +4.7 points |
| Q4 2024 | 46% | +2.4 points |
HBT 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.
HBT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $34.5M | +101% |
| Q2 2026 | $17.2M | +27% |
| Q1 2026 | $28.5M | -6.3% |
| Q4 2025 | $23.9M | +38% |
| Q3 2025 | $17.2M | -33% |
| Q2 2025 | $13.6M | -32% |
| Q1 2025 | $30.4M | +14% |
| Q4 2024 | $17.3M | +33% |
HBT 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 HBT 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.
HBT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +22.7K shares |
| 1 year | +16% | +4.9M shares |
| 3 years | +14% | +4.5M shares |
| 5 years | +33% | +9.1M shares |
| Available history | +33% | +9M shares |
HBT has 36M diluted shares, up 16% from a year ago, despite $17M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $426,000 |
| Q1 2026 | $15.7M |
| Q4 2025 | $587,000 |
| Q3 2025 | $1M |
| Q2 2025 | $2.9M |
| Q1 2025 | — |
| Q4 2024 | — |
HBT spent $17M buying back its own shares over the past year, about four times what it spent 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.
HBT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -2.1x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2025 | -1.4x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.0x | Net Cash |
HBT 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).
HBT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.3 | Overbought |
| Stochastic | 65.9 | Neutral |
HBT's weekly RSI is 70 (overbought) 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 HBT on valuation relative to its sector.
HBT PE vs Financial Services Sector
| Metric | HBT | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 12% above |
| PE % | 95 | 63 | 32 pts above |
HBT is trading at 15x earnings, a 12% 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.
HBT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $36.3 | 3.3% above |
| 20 week MA | $35.5 | 5.5% above |
| 50 week MA | $30.9 | 22% above |
| 100 week MA | $27.4 | 37% above |
| 200 week MA | $23.8 | 58% above |
HBT 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.
HBT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.8 | $15.1 | -19% |
| 2021 | $15.1 | $18.7 | +24% |
| 2022 | $18.7 | $19.6 | +4.9% |
| 2023 | $19.6 | $21.1 | +7.9% |
| 2024 | $21.1 | $21.7 | +2.7% |
| 2025 | $21.7 | $26.0 | +20% |
| 2026 YTD | $26.0 | $37.5 | +44% |
HBT has the edge over BAC on returns for 2026, with the stronger performance.