BAC
Bank of America Corporation
BAC has the edge over HTH overall, supported by stronger fundamentals and stronger modeled upside.
HTH
Hilltop Holdings Inc.
HTH'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.
HTH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
HTH's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HTH.
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 HTH in the historical PE scenario, which offers more potential upside but is not a forecast.
HTH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.5x | $15.72 | -56% |
| Fair | 14x | $34.01 | -5.8% |
| Current | 15x | $36.10 | — |
| Forward | 16x | $36.10 | — |
| Expensive | 18x | $43.63 | +21% |
Historical ranges are pointers, not guarantees.
HTH's PE is in its fair range at 15x. On analysts' estimates for next year's earnings, today's price would be 16x, in its expensive range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over HTH on the outlook, with more favorable valuation and revenue expectations.
HTH Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Low |
Analysts expect HTH's earnings to grow and its profitability to improve, with its revenue holding steady. 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.
HTH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.23 | -7% |
| Q3 2026 | $2.40 | -4.4% |
| Q2 2026 | $2.70 | +21% |
| Q1 2026 | $2.64 | +34% |
| Q4 2025 | $2.65 | +52% |
| Q3 2025 | $2.51 | +54% |
| Q2 2025 | $2.23 | +28% |
| Q1 2025 | $1.97 | +15% |
| Q4 2024 | $1.74 | +3% |
HTH's earnings per share have fallen from their peak: $2.40 over the past year, against $5.93 in early 2021.
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 HTH on sales, with more consistent year-over-year improvement.
| 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 has the edge over HTH on profitability, with a higher operating margin.
HTH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $309.5M | -6.3% |
| Q2 2026 | $315.8M | +4.1% |
| Q1 2026 | $300.5M | -5.6% |
| Q4 2025 | $329.9M | +9.6% |
| Q3 2025 | $330.2M | +8.1% |
| Q2 2025 | $303.3M | +2.1% |
| Q1 2025 | $318.5M | +12% |
| Q4 2024 | $301.1M | +3.7% |
HTH's revenue fell from its 2020 peak and has held roughly level since: $310M last quarter, down 6.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -7 points |
| Q2 2026 | 16% | -0.5 points |
| Q1 2026 | 17% | -1.3 points |
| Q4 2025 | 16% | +1.4 points |
| Q3 2025 | 18% | +4.5 points |
| Q2 2025 | 16% | +6.4 points |
| Q1 2025 | 18% | +4.8 points |
| Q4 2024 | 15% | +1.5 points |
HTH's operating margin was 11% last quarter, down 7 points from the same quarter a year ago.
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 has the edge over HTH on cash flow, with more consistent year-over-year improvement.
HTH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $503.6M | +86% |
| Q2 2026 | -$162.8M | +$71.7M |
| Q1 2026 | -$133.9M | -2757% |
| Q4 2025 | -$97M | -180% |
| Q3 2025 | $271M | -47% |
| Q2 2025 | -$234.6M | +$202.7M |
| Q1 2025 | $5M | -93% |
| Q4 2024 | $121.9M | -53% |
HTH's free cash flow was $110M over the past year, down 33% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HTH.
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.
HTH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.4% | -808K shares |
| 1 year | -8.1% | -5M shares |
| 3 years | -12% | -8M shares |
| 5 years | -29% | -23.4M shares |
| Available history | -38% | -35.3M shares |
HTH has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $20M |
| Q2 2026 | $47M |
| Q1 2026 | $47.5M |
| Q4 2025 | $60.8M |
| Q3 2025 | $55.1M |
| Q2 2025 | $34.9M |
| Q1 2025 | $33.3M |
| Q4 2024 | — |
HTH spent $175M buying back its own shares over the past year, up 42% 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.
HTH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.9x | Net Cash |
| Q2 2026 | 2.2x | Moderate |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 2.7x | Moderate |
| Q3 2025 | -2.6x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -5.2x | Net Cash |
| Q4 2024 | 4.6x | High |
HTH 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).
HTH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.6 | Neutral |
| Stochastic | 22.6 | Neutral |
HTH's weekly RSI is 42 (neutral) and its Stochastic is 23 (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 HTH on valuation relative to its sector.
HTH PE vs Financial Services Sector
| Metric | HTH | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 16% above |
| PE % | 61 | 63 | 2 pts below |
HTH is trading at 15x earnings, a 16% 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.
HTH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.0 | 2.5% below |
| 20 week MA | $38.2 | 5.4% below |
| 50 week MA | $37.3 | 3.2% below |
| 100 week MA | $34.2 | 5.5% above |
| 200 week MA | $32.7 | 10% above |
HTH 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.
HTH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.6 | $27.3 | +11% |
| 2021 | $27.3 | $34.7 | +27% |
| 2022 | $34.7 | $29.7 | -14% |
| 2023 | $29.7 | $35.2 | +19% |
| 2024 | $35.2 | $28.9 | -18% |
| 2025 | $28.9 | $34.6 | +20% |
| 2026 YTD | $34.6 | $36.1 | +4.3% |
HTH has the edge over BAC on returns for 2026, with the stronger performance.