BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
KRNY
Kearny Financial Corp.
KRNY has a slight edge over BAC overall on the model 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.
KRNY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
KRNY'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 KRNY.
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.
KRNY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $9.15 | — |
| Cheap | 12x | $6.89 | -25% |
| Fair | 15x | $8.97 | -1.9% |
| Current | 16x | $9.15 | — |
| Expensive | 20x | $11.37 | +24% |
Historical ranges are pointers, not guarantees.
KRNY 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
KRNY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for KRNY, with profitability improving.
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 has the edge over KRNY on earnings, with more consistent year-over-year improvement.
KRNY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +41% |
| Q3 2026 | $0.58 | +23% |
| Q2 2026 | $0.57 | +36% |
| Q1 2026 | $0.57 | +$1.71 |
| Q4 2025 | $0.52 | +$1.65 |
| Q3 2025 | $0.47 | +$1.92 |
| Q2 2025 | $0.42 | +$1.81 |
| Q1 2025 | -$1.14 | -556% |
| Q4 2024 | -$1.13 | -490% |
KRNY's earnings per share have fallen from their peak: $0.58 over the past year, against $1.01 in early 2022.
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 KRNY on profitability, with a higher operating margin.
KRNY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $45.3M | +4% |
| Q2 2026 | $45.7M | +12% |
| Q1 2026 | $45.3M | +17% |
| Q4 2025 | $43.5M | +16% |
| Q3 2025 | $43.6M | +17% |
| Q2 2025 | $40.8M | +4.5% |
| Q1 2025 | $38.6M | +0.2% |
| Q4 2024 | $37.5M | +89% |
KRNY has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 28% | +0.5 points |
| Q2 2026 | 24% | +4.1 points |
| Q1 2026 | 28% | +7.6 points |
| Q4 2025 | 27% | +6.2 points |
| Q3 2025 | 27% | +8.1 points |
| Q2 2025 | 20% | +253 points |
| Q1 2025 | 20% | -3.3 points |
| Q4 2024 | 21% | +82 points |
KRNY's operating margin was 28% last quarter, about level with 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 stronger cash trend. Its trailing FCF is up 119% versus its history, compared with KRNY at down 37%.
KRNY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +520% |
| Q1 2026 | $7.9M | -53% |
| Q4 2025 | $14.3M | +$17M |
| Q3 2025 | $1.5M | -41% |
| Q1 2025 | $16.8M | -4.4% |
| Q4 2024 | -$2.7M | -139% |
| Q3 2024 | $2.5M | -79% |
| Q1 2024 | $17.6M | -17% |
KRNY's free cash flow was $33M over the past year, down 3.4% from the year before. Free cash flow isn't a meaningful measure for financial services companies like KRNY.
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 KRNY 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.
KRNY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +343K shares |
| 1 year | +1% | +612K shares |
| 3 years | +0.8% | +502K shares |
| 5 years | -15% | -11M shares |
| Available history | -23% | -19.3M shares |
KRNY has 64M diluted shares, up 1% from a year ago.
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.
KRNY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | 14.7x | High |
| Q3 2025 | 21.6x | High |
| Q2 2025 | 26.2x | High |
| Q1 2024 | 44.6x | High |
| Q4 2023 | 85.3x | High |
| Q3 2023 | 60.8x | High |
| Q2 2023 | 46.3x | High |
| Q1 2023 | 43.6x | High |
KRNY's net debt is about 15 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KRNY.
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).
KRNY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.2 | Neutral |
| Stochastic | 19.3 | Oversold |
KRNY's weekly RSI is 52 (neutral) and its Stochastic is 19 (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 KRNY on valuation relative to its sector.
KRNY PE vs Financial Services Sector
| Metric | KRNY | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 21% above |
| PE % | 55 | 63 | 8 pts below |
KRNY is trading at 16x earnings, a 21% 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.
KRNY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.16 | 0.1% below |
| 20 week MA | $9.43 | 3% below |
| 50 week MA | $8.52 | 7.4% above |
| 100 week MA | $7.51 | 22% above |
| 200 week MA | $7.43 | 23% above |
KRNY 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.
KRNY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $10.6 | -23% |
| 2021 | $10.6 | $13.1 | +24% |
| 2022 | $13.1 | $10.3 | -21% |
| 2023 | $10.3 | $8.97 | -13% |
| 2024 | $8.97 | $7.07 | -21% |
| 2025 | $7.07 | $7.58 | +7.2% |
| 2026 YTD | $7.58 | $9.15 | +21% |
KRNY has the edge over BAC on returns for 2026, with the stronger performance.