BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
JMSB
John Marshall Bancorp, Inc.
JMSB has the edge over BAC overall, supported by stronger fundamentals and stronger valuation.
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.
JMSB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JMSB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JMSB.
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.
JMSB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.9x | $18.46 | -20% |
| Forward | 11x | $23.07 | — |
| Current | 12x | $23.07 | — |
| Fair | 13x | $24.76 | +7.3% |
| Expensive | 15x | $27.86 | +21% |
Historical ranges are pointers, not guarantees.
JMSB 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 |
BAC has the edge over JMSB on the outlook, with more favorable profitability expectations.
JMSB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for JMSB, 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'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.
JMSB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.09 | +12% |
| Q3 2026 | $1.87 | +33% |
| Q2 2026 | $1.72 | +29% |
| Q1 2026 | $1.58 | +27% |
| Q4 2025 | $1.49 | +24% |
| Q3 2025 | $1.41 | +18% |
JMSB 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
JMSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.1M | +11% |
| Q2 2026 | $18.8M | +22% |
| Q1 2026 | $16.8M | +15% |
| Q4 2025 | $16.4M | +14% |
| Q3 2025 | $16.3M | +18% |
| Q2 2025 | $15.4M | +22% |
| Q1 2025 | $14.6M | +16% |
| Q4 2024 | $14.3M | +13% |
JMSB has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 54% | +12 points |
| Q2 2026 | 48% | +5.4 points |
| Q1 2026 | 47% | +4.4 points |
| Q4 2025 | 47% | +4.9 points |
| Q3 2025 | 42% | +3.4 points |
| Q2 2025 | 43% | +2.9 points |
| Q1 2025 | 42% | -0.8 points |
| Q4 2024 | 43% | -3.9 points |
JMSB 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.
JMSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.4M | +522% |
| Q2 2026 | $5M | -32% |
| Q1 2026 | $8.5M | +29% |
| Q4 2025 | $6.9M | +31% |
| Q3 2025 | $1.2M | -9.6% |
| Q2 2025 | $7.4M | -27% |
| Q1 2025 | $6.6M | +6517% |
| Q4 2024 | $5.2M | -1.1% |
JMSB's free cash flow was $28M over the past year, up 36% from the year before. Free cash flow isn't a meaningful measure for financial services companies like JMSB.
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 JMSB 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.
JMSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +248 shares |
| 1 year | -0.9% | -128K shares |
| 3 years | -0.7% | -98.7K shares |
JMSB has 14M diluted shares, down 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $2M |
| Q4 2025 | $768,000 |
| Q3 2025 | $294,000 |
| Q2 2025 | $1.3M |
| Q1 2025 | $46,000 |
| Q4 2024 | — |
JMSB spent $3M buying back its own shares over the past year, up 70% 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.
JMSB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.2x | Net Cash |
| Q2 2026 | -2.4x | Net Cash |
| Q1 2026 | -2.3x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -3.2x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -3.8x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
JMSB 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).
JMSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.2 | Neutral |
| Stochastic | 39.7 | Neutral |
JMSB's weekly RSI is 57 (neutral) and its Stochastic is 40 (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 JMSB on valuation relative to its sector.
JMSB PE vs Financial Services Sector
| Metric | JMSB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.2% below |
| PE % | 32 | 63 | 31 pts below |
JMSB is trading at 12x 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.
JMSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.1 | 0% below |
| 20 week MA | $22.9 | 0.6% above |
| 50 week MA | $21.5 | 7.3% above |
| 100 week MA | $20.0 | 15% above |
| 200 week MA | $20.0 | 16% above |
JMSB 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.
JMSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.5 | $14.2 | -14% |
| 2021 | $14.2 | $19.6 | +38% |
| 2022 | $19.6 | $29.1 | +49% |
| 2023 | $29.1 | $22.6 | -23% |
| 2024 | $22.6 | $20.1 | -11% |
| 2025 | $20.1 | $20.4 | +1.8% |
| 2026 YTD | $20.4 | $23.1 | +13% |
JMSB has the edge over BAC on returns for 2026, with the stronger performance.