BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
LKFN
Lakeland Financial Corporation
LKFN has a slight 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.
LKFN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LKFN'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 LKFN.
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.
LKFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $62.71 | +1.4% |
| Current | 14x | $61.84 | — |
| Forward | 14x | $61.84 | — |
| Fair | 17x | $75.20 | +22% |
| Expensive | 19x | $86.18 | +39% |
Historical ranges are pointers, not guarantees.
LKFN 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 LKFN on the outlook, with more favorable valuation expectations.
LKFN Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for LKFN, 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 LKFN on earnings, with more consistent year-over-year improvement.
LKFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.56 | +2% |
| Q3 2026 | $4.47 | +18% |
| Q2 2026 | $4.36 | +19% |
| Q1 2026 | $4.27 | +22% |
| Q4 2025 | $4.01 | +10% |
| Q3 2025 | $3.79 | -1.6% |
| Q2 2025 | $3.67 | -6.4% |
| Q1 2025 | $3.50 | -3.3% |
| Q4 2024 | $3.63 | -0.5% |
LKFN earned $4.47 per share over the past year, up 18% 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 has the edge over LKFN on sales, with more consistent year-over-year improvement.
| 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.
LKFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $73M | +5.7% |
| Q2 2026 | $70.9M | +6.8% |
| Q1 2026 | $69.7M | +9.3% |
| Q4 2025 | $69.8M | +9.8% |
| Q3 2025 | $69M | +13% |
| Q2 2025 | $66.4M | -3.5% |
| Q1 2025 | $63.8M | +6.3% |
| Q4 2024 | $63.6M | -3.4% |
LKFN's revenue has grown year over year for five quarters in a row: $73M last quarter, up 5.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +2.4 points |
| Q2 2026 | 49% | -0.6 points |
| Q1 2026 | 47% | +8.7 points |
| Q4 2025 | 52% | +6.1 points |
| Q3 2025 | 46% | +1.1 points |
| Q2 2025 | 50% | +10 points |
| Q1 2025 | 38% | -8.3 points |
| Q4 2024 | 46% | -8.8 points |
LKFN 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.
LKFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +29% |
| Q2 2026 | $19.1M | +36% |
| Q1 2026 | $30M | +10% |
| Q4 2025 | $31.5M | -14% |
| Q3 2025 | $31.1M | +103% |
| Q2 2025 | $14.1M | -24% |
| Q1 2025 | $27.1M | +17% |
| Q4 2024 | $36.7M | +44% |
LKFN 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 LKFN 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.
LKFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +6.3K shares |
| 1 year | -2.3% | -583K shares |
| 3 years | -1.8% | -456K shares |
| 5 years | -1.6% | -397K shares |
| Available history | -2% | -521K shares |
LKFN has 25M diluted shares, down 2.3% from a year ago, with $45M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.7M |
| Q2 2026 | $4.3M |
| Q1 2026 | $19.6M |
| Q4 2025 | $18.2M |
| Q3 2025 | $224,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | $215,000 |
| Q4 2024 | $86,000 |
LKFN spent $45M buying back its own shares over the past year, more than ten times what it spent 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.
LKFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -2.5x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | -1.4x | Net Cash |
LKFN 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).
LKFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.6 | Neutral |
| Stochastic | 62.6 | Neutral |
LKFN's weekly RSI is 56 (neutral) and its Stochastic is 63 (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 LKFN on valuation relative to its sector.
LKFN PE vs Financial Services Sector
| Metric | LKFN | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.2% above |
| PE % | 14 | 63 | 49 pts below |
LKFN is trading at 14x 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.
LKFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $59.4 | 4.2% above |
| 20 week MA | $60.5 | 2.3% above |
| 50 week MA | $59.8 | 3.4% above |
| 100 week MA | $61.1 | 1.2% above |
| 200 week MA | $61.0 | 1.5% above |
LKFN 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.
LKFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.8 | $52.5 | +7.5% |
| 2021 | $52.5 | $78.0 | +49% |
| 2022 | $78.0 | $73.8 | -5.4% |
| 2023 | $73.8 | $65.2 | -12% |
| 2024 | $65.2 | $68.8 | +5.5% |
| 2025 | $68.8 | $58.8 | -15% |
| 2026 YTD | $58.8 | $61.8 | +5.3% |
LKFN has the edge over BAC on returns for 2026, with the stronger performance.