BAC
Bank of America Corporation
BAC has the edge over ITIC overall, supported by stronger fundamentals and stronger modeled upside.
ITIC
Investors Title Company
ITIC 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.
ITIC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
ITIC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ITIC.
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 ITIC in the historical PE scenario, which offers more potential upside but is not a forecast.
ITIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6x | $120 | -52% |
| Fair | 12x | $242 | -3.8% |
| Current | 13x | $252 | — |
| Expensive | 15x | $290 | +15% |
Historical ranges are pointers, not guarantees.
ITIC's PE is in its fair range at 13x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
ITIC Forward outlook
There aren't enough analyst estimates for ITIC 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.
ITIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $19.87 | +4.5% |
| Q2 2026 | $21.35 | +22% |
| Q1 2026 | $20.10 | +28% |
| Q4 2025 | $18.57 | +13% |
| Q3 2025 | $19.01 | +26% |
| Q2 2025 | $17.48 | +25% |
| Q1 2025 | $15.70 | +19% |
| Q4 2024 | $16.43 | +43% |
ITIC 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'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 has the edge over ITIC on profitability, with a higher operating margin.
ITIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $81.9M | +12% |
| Q2 2026 | $86.5M | +17% |
| Q1 2026 | $64M | +13% |
| Q4 2025 | $69.5M | -1.6% |
| Q3 2025 | $73M | +6.1% |
| Q2 2025 | $73.6M | +13% |
| Q1 2025 | $56.6M | +5.8% |
| Q4 2024 | $70.6M | +32% |
ITIC's revenue is growing: $82M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 14% | -6.7 points |
| Q2 2026 | 22% | +1 points |
| Q1 2026 | 12% | +4.9 points |
| Q4 2025 | 14% | -1.5 points |
| Q3 2025 | 21% | +3.8 points |
| Q2 2025 | 21% | +4.2 points |
| Q1 2025 | 7.2% | -3.7 points |
| Q4 2024 | 15% | +3.7 points |
ITIC's operating margin was 14% last quarter, down 6.7 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 ITIC on cash flow, with more consistent year-over-year improvement.
ITIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $12.8M | -19% |
| Q2 2026 | $6.3M | -14% |
| Q1 2026 | $569K | +$2M |
| Q4 2025 | $3.7M | -66% |
| Q3 2025 | $15.8M | +160% |
| Q2 2025 | $7.3M | +16% |
| Q1 2025 | -$1.4M | -$613K |
| Q4 2024 | $10.8M | -6.8% |
ITIC's free cash flow was $23M over the past year, down 28% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ITIC.
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 ITIC 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.
ITIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +3K shares |
| 1 year | +0.2% | +3K shares |
| 3 years | +0.3% | +6K shares |
| 5 years | -0.2% | -3K shares |
| Available history | +0.1% | +1K shares |
ITIC has 2M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $1,000 |
| Q3 2024 | — |
| Q2 2024 | $45,000 |
| Q1 2024 | $1.1M |
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.
ITIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -0.4x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.6x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -0.6x | Net Cash |
ITIC 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).
ITIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.3 | Neutral |
| Stochastic | 5.3 | Oversold |
ITIC's weekly RSI is 38 (neutral) and its Stochastic is 5 (oversold).
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 ITIC on valuation relative to its sector.
ITIC PE vs Financial Services Sector
| Metric | ITIC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.8% below |
| PE % | 55 | 63 | 8 pts below |
ITIC is trading at 13x earnings, in line with 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.
ITIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $277.7 | 9.4% below |
| 20 week MA | $284.5 | 12% below |
| 50 week MA | $259.6 | 3.1% below |
| 100 week MA | $248.1 | 1.4% above |
| 200 week MA | $210.1 | 20% above |
ITIC 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.
ITIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $156.5 | $154.6 | -1.2% |
| 2021 | $154.6 | $194.2 | +26% |
| 2022 | $194.2 | $148.0 | -24% |
| 2023 | $148.0 | $162.1 | +9.6% |
| 2024 | $162.1 | $238.0 | +47% |
| 2025 | $238.0 | $250.3 | +5.2% |
| 2026 YTD | $250.3 | $251.6 | +0.5% |
ITIC has the edge over BAC on returns for 2026, with the stronger performance.