BAC
Bank of America Corporation
BAC has the edge over HTB overall, supported by stronger fundamentals and stronger modeled upside.
HTB
HomeTrust Bancshares, Inc.
HTB 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.
HTB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HTB'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 HTB.
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 HTB in the historical PE scenario, which offers more potential upside but is not a forecast.
HTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $37.58 | -20% |
| Forward | 11x | $47.22 | — |
| Fair | 12x | $47.66 | +0.9% |
| Current | 12x | $47.22 | — |
| Expensive | 18x | $73.15 | +55% |
Historical ranges are pointers, not guarantees.
HTB's PE is in its fair range at 12x. 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 HTB on the outlook, with more favorable valuation and profitability expectations.
HTB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for HTB, but weaker profitability. However, they disagree widely on these estimates.
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.
HTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.16 | +4.8% |
| Q3 2026 | $3.97 | +9.7% |
| Q2 2026 | $3.81 | +11% |
| Q1 2026 | $3.87 | +22% |
| Q4 2025 | $3.72 | +16% |
| Q3 2023 | $3.08 | +41% |
| Q2 2023 | $2.80 | +26% |
| Q1 2023 | $2.29 | +66% |
| Q4 2022 | $2.40 | +78% |
HTB has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 HTB 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.
HTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $55.5M | +2.6% |
| Q2 2026 | $54.5M | +0.3% |
| Q1 2026 | $54.3M | +6.7% |
| Q4 2025 | $53.6M | +4.2% |
| Q3 2025 | $54.1M | +7.5% |
| Q2 2025 | $54.4M | +8.2% |
| Q1 2025 | $50.9M | +1.8% |
| Q3 2024 | $50.4M | -0.8% |
HTB's revenue has grown year over year for eight quarters in a row: $56M last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -1.5 points |
| Q2 2026 | 36% | -4.1 points |
| Q1 2026 | 39% | +2.4 points |
| Q4 2025 | 37% | +1.4 points |
| Q3 2025 | 39% | +5.2 points |
| Q2 2025 | 40% | +8.7 points |
| Q1 2025 | 36% | -1.8 points |
| Q4 2024 | 36% | N/A |
HTB 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.
HTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +$21.3M |
| Q2 2026 | $126K | +$10.3M |
| Q1 2026 | $110M | +56% |
| Q4 2025 | -$3.2M | -214% |
| Q2 2025 | -$10.2M | -279% |
| Q1 2025 | $70.7M | +$80.3M |
| Q2 2024 | $5.7M | +$69.2M |
| Q3 2023 | -$33.2M | -543% |
HTB's free cash flow was $116M over the past year, up 127% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HTB.
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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
HTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -424K shares |
| 1 year | -6.6% | -1.1M shares |
| 3 years | +1.4% | +218K shares |
| 5 years | -3% | -496K shares |
| Available history | -8.9% | -1.6M shares |
HTB has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $44.8M |
| Q2 2026 | $7.2M |
| Q1 2026 | $23.1M |
| Q4 2025 | $10.3M |
| Q3 2025 | — |
| Q2 2025 | $2.8M |
| Q1 2025 | $503,000 |
| Q4 2024 | — |
HTB spent $85M buying back its own shares over the past year, more than ten 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.
HTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -2.5x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q4 2022 | -0.7x | Net Cash |
| Q3 2022 | -2.0x | Net Cash |
| Q2 2022 | -2.2x | Net Cash |
HTB 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).
HTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 28.3 | Neutral |
HTB's weekly RSI is 51 (neutral) and its Stochastic is 28 (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.
HTB PE vs Financial Services Sector
| Metric | HTB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.7% below |
| PE % | 47 | 63 | 16 pts below |
HTB 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.
HTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.8 | 1% above |
| 20 week MA | $47.9 | 1.5% below |
| 50 week MA | $45.9 | 2.9% above |
| 100 week MA | $41.6 | 14% above |
| 200 week MA | $34.3 | 38% above |
HTB 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.
HTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.9 | $19.4 | -28% |
| 2021 | $19.4 | $30.9 | +59% |
| 2022 | $30.9 | $24.5 | -21% |
| 2023 | $24.5 | $26.9 | +10% |
| 2024 | $26.9 | $33.9 | +26% |
| 2025 | $33.9 | $43.4 | +28% |
| 2026 YTD | $43.4 | $47.2 | +8.8% |
HTB has the edge over BAC on returns for 2026, with the stronger performance.