BAC
Bank of America Corporation
BAC has the edge over LCNB overall, supported by stronger fundamentals and stronger valuation.
LCNB
LCNB Corp.
LCNB'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.
LCNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LCNB'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 LCNB.
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.
LCNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $15.99 | -18% |
| Forward | 10x | $19.58 | — |
| Fair | 11x | $18.44 | -5.8% |
| Current | 11x | $19.58 | — |
| Expensive | 13x | $23.10 | +18% |
Historical ranges are pointers, not guarantees.
LCNB 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 LCNB on the outlook, with more favorable revenue expectations.
LCNB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect LCNB's earnings to grow and its profitability to improve, with its revenue holding steady.
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.
LCNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.90 | +8.4% |
| Q3 2026 | $1.75 | +4.8% |
| Q2 2026 | $1.73 | +16% |
| Q1 2026 | $1.61 | +40% |
| Q4 2025 | $1.63 | +68% |
| Q3 2025 | $1.67 | +255% |
| Q2 2025 | $1.49 | +181% |
| Q1 2025 | $1.15 | +31% |
| Q4 2024 | $0.97 | -12% |
LCNB earned $1.75 per share over the past year, up 4.8% from the year before.
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.
LCNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25M | +5% |
| Q2 2026 | $25.1M | +10% |
| Q1 2026 | $23.5M | +9.4% |
| Q4 2025 | $23.9M | +5.1% |
| Q3 2025 | $23.8M | +11% |
| Q2 2025 | $22.8M | +18% |
| Q1 2025 | $21.5M | +21% |
| Q4 2024 | $22.7M | +18% |
LCNB has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +0.3 points |
| Q2 2026 | 37% | +5 points |
| Q1 2026 | 23% | -3 points |
| Q4 2025 | 29% | -3.7 points |
| Q3 2025 | 36% | +11 points |
| Q2 2025 | 32% | +27 points |
| Q1 2025 | 26% | +13 points |
| Q4 2024 | 33% | +36 points |
LCNB 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.
LCNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.2M | -25% |
| Q2 2026 | $7.4M | +42% |
| Q1 2026 | $2.8M | +29% |
| Q4 2025 | $12.4M | -69% |
| Q3 2025 | $13.7M | +40% |
| Q2 2025 | $5.2M | -90% |
| Q1 2025 | $2.1M | +$15.5M |
| Q4 2024 | $39.7M | +425% |
LCNB 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 LCNB 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.
LCNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +8.5K shares |
| 1 year | +0.5% | +69K shares |
| 3 years | +28% | +3.1M shares |
| 5 years | +14% | +1.7M shares |
| Available history | +8.3% | +1.1M shares |
LCNB has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $1.5M |
| Q1 2023 | $1.8M |
| Q4 2022 | $680,000 |
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.
LCNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 2.9x | Moderate |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.3x | Moderate |
| Q1 2025 | 3.4x | Elevated |
| Q4 2024 | 7.2x | High |
LCNB 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).
LCNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.4 | Neutral |
| Stochastic | 58.9 | Neutral |
LCNB's weekly RSI is 60 (neutral) and its Stochastic is 59 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
LCNB PE vs Financial Services Sector
| Metric | LCNB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 64 | 63 | 1 pt above |
LCNB 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.
LCNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $19.2 | 1.9% above |
| 20 week MA | $19.2 | 1.9% above |
| 50 week MA | $17.7 | 11% above |
| 100 week MA | $16.4 | 20% above |
| 200 week MA | $15.9 | 23% above |
LCNB 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.
LCNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.5 | $14.6 | -25% |
| 2021 | $14.6 | $19.4 | +33% |
| 2022 | $19.4 | $17.7 | -8.9% |
| 2023 | $17.7 | $15.8 | -11% |
| 2024 | $15.8 | $14.9 | -5.3% |
| 2025 | $14.9 | $16.5 | +10% |
| 2026 YTD | $16.5 | $19.6 | +19% |
LCNB has the edge over BAC on returns for 2026, with the stronger performance.