BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
KINS
Kingstone Companies, Inc.
KINS has the edge over BAC overall, supported by 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.
KINS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
KINS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like KINS.
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.
KINS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7x | $20.56 | -12% |
| Current | 7.9x | $23.23 | — |
| Forward | 8x | $23.23 | — |
| Fair | 11x | $30.94 | +33% |
| Expensive | 26x | $77.02 | +232% |
Historical ranges are pointers, not guarantees.
KINS 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 KINS on the outlook, with more favorable valuation and profitability expectations.
KINS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for KINS, 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.
KINS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.90 | -1% |
| Q3 2026 | $2.93 | +31% |
| Q2 2026 | $2.48 | +22% |
| Q1 2026 | $2.21 | +36% |
| Q4 2025 | $2.88 | +95% |
| Q3 2025 | $2.23 | +69% |
| Q2 2025 | $2.04 | +364% |
| Q1 2025 | $1.63 | +8050% |
| Q4 2024 | $1.48 | +$2.05 |
KINS's earnings per share have climbed steadily: $2.93 over the past year, up 31% from the year before, and higher year over year for 14 quarters in a row.
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.
KINS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $67.5M | +21% |
| Q2 2026 | $65.9M | +26% |
| Q1 2026 | $59.8M | +18% |
| Q4 2025 | $56.4M | +34% |
| Q3 2025 | $55.7M | +36% |
| Q2 2025 | $52.3M | +43% |
| Q1 2025 | $50.5M | +41% |
| Q4 2024 | $42.1M | +15% |
KINS has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 33% | +8.4 points |
| Q2 2026 | 30% | +2.5 points |
| Q1 2026 | -12% | -22 points |
| Q4 2025 | 33% | +17 points |
| Q3 2025 | 25% | +2.3 points |
| Q2 2025 | 27% | +11 points |
| Q1 2025 | 9.3% | +4.3 points |
| Q4 2024 | 16% | +5.2 points |
KINS 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.
KINS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $21M | -17% |
| Q2 2026 | $27.8M | +220% |
| Q1 2026 | $7.9M | -54% |
| Q4 2025 | $22.1M | -1.4% |
| Q3 2025 | $25.3M | +20% |
| Q2 2025 | $8.7M | +31% |
| Q1 2025 | $17M | +206% |
| Q4 2024 | $22.4M | +462% |
KINS 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 KINS 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.
KINS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +44.5K shares |
| 1 year | +0.8% | +115K shares |
| 3 years | +37% | +4M shares |
| 5 years | +40% | +4.2M shares |
| Available history | +37% | +3.9M shares |
KINS has 15M diluted shares, up 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $631,548 |
| Q2 2021 | $974,135 |
| Q1 2021 | $65,915 |
| Q4 2020 | $381,543 |
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.
KINS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.2x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.8x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
KINS 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).
KINS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 74.0 | Overbought |
| Stochastic | 87.0 | Overbought |
KINS's weekly RSI is 74 (overbought) and its Stochastic is 87 (overbought).
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.
KINS PE vs Financial Services Sector
| Metric | KINS | Sector median | Relative |
|---|---|---|---|
| PE | 7.9x | 13x | 39% below |
| PE % | 33 | 63 | 30 pts below |
KINS 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.
KINS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $19.7 | 18% above |
| 20 week MA | $19.8 | 18% above |
| 50 week MA | $17.5 | 33% above |
| 100 week MA | $16.6 | 40% above |
| 200 week MA | $10.4 | 124% above |
KINS 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.
KINS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.36 | $6.52 | -11% |
| 2021 | $6.52 | $4.99 | -23% |
| 2022 | $4.99 | $1.41 | -72% |
| 2023 | $1.41 | $2.13 | +51% |
| 2024 | $2.13 | $15.4 | +624% |
| 2025 | $15.4 | $17.3 | +12% |
| 2026 YTD | $17.3 | $23.2 | +34% |
KINS has the edge over BAC on returns for 2026, with the stronger performance.