BAC
Bank of America Corporation
BAC has the edge over MCBS overall, supported by stronger valuation and stronger modeled upside.
MCBS
MetroCity Bankshares, Inc.
MCBS trails on the overall score without a compensating advantage in the available component scores.
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.
MCBS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MCBS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MCBS.
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 has the edge over MCBS in the historical PE scenario, which offers more potential upside but is not a forecast.
MCBS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8x | $24.63 | -32% |
| Fair | 11x | $33.20 | -8.4% |
| Current | 12x | $36.26 | — |
| Forward | 12x | $36.26 | — |
| Expensive | 13x | $38.33 | +5.7% |
Historical ranges are pointers, not guarantees.
MCBS's PE is in its expensive range at 11.8x. On analysts' estimates for next year's earnings, today's price would be 11.6x, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over MCBS on the outlook, with more favorable valuation and earnings expectations.
MCBS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect MCBS's earnings, revenue and profitability to hold roughly 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 has the edge over MCBS on earnings, with stronger typical year-over-year growth.
MCBS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.13 | +2.3% |
| Q3 2026 | $3.06 | +18% |
| Q2 2026 | $2.89 | +12% |
| Q1 2026 | $2.78 | +7.8% |
| Q4 2025 | $2.64 | +4.8% |
| Q3 2025 | $2.59 | +12% |
| Q2 2025 | $2.57 | +21% |
| Q1 2025 | $2.58 | +31% |
| Q4 2024 | $2.52 | +25% |
MCBS's earnings per share have climbed steadily: $3.06 over the past year, up 18% from the year before, and higher year over year for nine 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.
MCBS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $47.9M | +26% |
| Q2 2026 | $49.8M | +31% |
| Q1 2026 | $50.8M | +41% |
| Q4 2025 | $43.7M | +24% |
| Q3 2025 | $38M | +2.9% |
| Q2 2025 | $37.9M | +4.5% |
| Q1 2025 | $36M | +10% |
| Q4 2024 | $35.4M | +15% |
MCBS has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 58% | -4.4 points |
| Q2 2026 | 62% | -0.9 points |
| Q1 2026 | 59% | -1.9 points |
| Q4 2025 | 53% | -6.1 points |
| Q3 2025 | 63% | +1.4 points |
| Q2 2025 | 62% | -2 points |
| Q1 2025 | 61% | -1.3 points |
| Q4 2024 | 59% | +6.3 points |
MCBS 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.
MCBS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$16.6M | -203% |
| Q2 2026 | $24.9M | +74% |
| Q1 2026 | $45.8M | +287% |
| Q4 2025 | -$5.4M | -128% |
| Q3 2025 | $16.2M | +$28M |
| Q2 2025 | $14.3M | -25% |
| Q1 2025 | $11.8M | -67% |
| Q4 2024 | $18.9M | +$28.1M |
MCBS's free cash flow was $49M over the past year, down 20% from the year before. Free cash flow isn't a meaningful measure for financial services companies like MCBS.
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 MCBS 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.
MCBS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +88K shares |
| 1 year | +12% | +3.2M shares |
| 3 years | +13% | +3.4M shares |
| 5 years | +13% | +3.3M shares |
| Available history | +17% | +4.3M shares |
MCBS has 29M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $4.4M |
| Q4 2025 | $2.7M |
| Q3 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $706,000 |
MCBS spent $7M buying back its own shares over the past year.
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.
MCBS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 1.0x | Healthy |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 2.1x | Moderate |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.5x | Healthy |
| Q4 2024 | 1.4x | Healthy |
MCBS 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).
MCBS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.8 | Neutral |
| Stochastic | 72.1 | Neutral |
MCBS's weekly RSI is 62 (neutral) and its Stochastic is 72 (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.
MCBS PE vs Financial Services Sector
| Metric | MCBS | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9% below |
| PE % | 69 | 63 | 6 pts above |
MCBS 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.
MCBS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.4 | 2.3% above |
| 20 week MA | $35.6 | 1.8% above |
| 50 week MA | $32.3 | 12% above |
| 100 week MA | $30.4 | 19% above |
| 200 week MA | $26.9 | 35% above |
MCBS 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.
MCBS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.5 | $14.3 | -18% |
| 2021 | $14.3 | $27.6 | +93% |
| 2022 | $27.6 | $21.6 | -22% |
| 2023 | $21.6 | $24.0 | +11% |
| 2024 | $24.0 | $32.0 | +33% |
| 2025 | $32.0 | $26.8 | -16% |
| 2026 YTD | $26.8 | $36.3 | +35% |
MCBS has the edge over BAC on returns for 2026, with the stronger performance.