BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
HIFS
Hingham Institution for Savings
HIFS has the edge over BAC overall, supported by stronger valuation and 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.
HIFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HIFS'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 HIFS.
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.
HIFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 10x | $301 | — |
| Cheap | 11x | $322 | +7% |
| Fair | 13x | $380 | +26% |
| Expensive | 19x | $570 | +90% |
Historical ranges are pointers, not guarantees.
HIFS 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.
HIFS Forward outlook
There aren't enough analyst estimates for HIFS to show an outlook.
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.
HIFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $30.02 | +95% |
| Q1 2026 | $22.81 | +76% |
| Q4 2025 | $24.76 | +93% |
| Q3 2025 | $20.55 | +95% |
| Q2 2025 | $15.36 | +63% |
| Q1 2025 | $12.96 | +15% |
| Q4 2024 | $12.85 | +6.9% |
| Q3 2024 | $10.56 | -28% |
HIFS earned $30.02 per share over the past year, up 95% 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.
HIFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $72M | +33% |
| Q1 2026 | $42.1M | -18% |
| Q4 2025 | $66.8M | +14% |
| Q3 2025 | $64.5M | +21% |
| Q2 2025 | $54.1M | +4.5% |
| Q1 2025 | $51.4M | -4.3% |
| Q4 2024 | $58.7M | +12% |
| Q3 2024 | $53.2M | +16% |
HIFS's revenue is growing: $72M last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 46% | +23 points |
| Q1 2026 | 10% | -9.2 points |
| Q4 2025 | 40% | +15 points |
| Q3 2025 | 36% | +21 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 19% | +4.2 points |
| Q4 2024 | 26% | +10 points |
| Q3 2024 | 15% | +4.9 points |
HIFS 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.
HIFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $3.6M | -34% |
| Q1 2026 | $13.1M | +15% |
| Q4 2025 | $7.5M | +385% |
| Q3 2025 | $11.1M | +208% |
| Q2 2025 | $5.4M | +89% |
| Q1 2025 | $11.5M | +208% |
| Q4 2024 | $1.6M | -63% |
| Q3 2024 | $3.6M | -33% |
HIFS 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 HIFS 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.
HIFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +4K shares |
| 1 year | +0.6% | +13K shares |
| 3 years | +1% | +22K shares |
| 5 years | +0.6% | +12.4K shares |
| Available history | +1.4% | +30K shares |
HIFS has 2M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
HIFS 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 has the edge over HIFS on leverage, with a lower net debt burden relative to earnings.
HIFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 15.8x | High |
| Q1 2026 | 20.7x | High |
| Q4 2025 | 19.8x | High |
| Q3 2025 | 18.9x | High |
| Q2 2025 | 26.2x | High |
| Q1 2025 | 28.4x | High |
| Q4 2024 | 30.7x | High |
| Q3 2024 | 38.2x | High |
HIFS's net debt is about 16 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HIFS.
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).
HIFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.3 | Neutral |
| Stochastic | 44.0 | Neutral |
HIFS's weekly RSI is 52 (neutral) and its Stochastic is 44 (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.
HIFS PE vs Financial Services Sector
| Metric | HIFS | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 10 | 63 | 53 pts below |
HIFS 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.
HIFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $296.3 | 1.5% above |
| 20 week MA | $298.3 | 0.8% above |
| 50 week MA | $293.2 | 2.5% above |
| 100 week MA | $275.4 | 9.2% above |
| 200 week MA | $242.8 | 24% above |
HIFS 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.
HIFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $209.9 | $216.2 | +3% |
| 2021 | $216.2 | $391.5 | +81% |
| 2022 | $391.5 | $276.3 | -29% |
| 2023 | $276.3 | $194.4 | -30% |
| 2024 | $194.4 | $253.1 | +30% |
| 2025 | $253.1 | $291.2 | +15% |
| 2026 YTD | $291.2 | $300.6 | +3.2% |
HIFS has the edge over BAC on returns for 2026, with the stronger performance.