BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
MCHB
Mechanics Bank
There isn't enough reported data to score MCHB yet.
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.
MCHB Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Stable | |
| N/A | |
| N/A |
MCHB's profitability is currently stable. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like MCHB.
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.
MCHB PE Valuation
MCHB has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
MCHB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Growth | |
| -- | |
| Limited | |
| Moderate |
Analysts expect MCHB's revenue to grow, with its earnings and profitability 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 has the stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus MCHB down 259%.
MCHB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.07 | — |
| Q3 2024 | -$1.30 | -$0.48 |
| Q2 2024 | -$0.79 | -664% |
| Q1 2024 | -$2.13 | -177% |
| Q4 2023 | -$1.46 | -142% |
| Q3 2023 | -$0.82 | -118% |
| Q2 2023 | $0.14 | -97% |
| Q1 2023 | $2.75 | -46% |
| Q4 2022 | $3.49 | -36% |
MCHB lost $1.30 per share over the past year, a bigger loss than 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 MCHB 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.
MCHB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $161.5M | -37% |
| Q2 2026 | $201M | +310% |
| Q1 2026 | $200.1M | +341% |
| Q3 2025 | $255.4M | +544% |
| Q2 2025 | $49M | +14% |
| Q1 2025 | $45.4M | +9% |
| Q3 2024 | $39.7M | -20% |
| Q2 2024 | $42.9M | -20% |
MCHB's revenue is growing: $161M last quarter, down 37% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +21 points |
| Q2 2026 | 39% | +49 points |
| Q1 2026 | 31% | +41 points |
| Q4 2025 | 59% | N/A |
| Q3 2025 | 18% | +42 points |
| Q2 2025 | -9.8% | +8.9 points |
| Q1 2025 | -10% | +15 points |
| Q3 2024 | -24% | -27 points |
MCHB 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.
MCHB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.4M | -76% |
| Q2 2026 | $49.6M | +$59.5M |
| Q1 2026 | $8.8M | +$31.3M |
| Q3 2025 | $109.1M | +$126.6M |
| Q2 2025 | -$9.9M | +$12.2M |
| Q1 2025 | -$22.6M | -$8.7M |
| Q3 2024 | -$17.5M | -161% |
| Q2 2024 | -$22M | -213% |
MCHB's free cash flow was $195M over the past year, about three times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like MCHB.
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 MCHB 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.
MCHB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | +0.3% | +63.9K shares |
| 3 years | -4.4% | -871K shares |
| 5 years | -21% | -4.9M shares |
MCHB has 19M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | $75M |
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.
MCHB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2023 | 128.7x | High |
| Q1 2023 | 22.9x | High |
| Q4 2022 | 12.4x | High |
| Q3 2022 | 14.3x | High |
| Q2 2022 | 12.4x | High |
| Q1 2022 | 2.9x | Moderate |
| Q4 2021 | 0.7x | Very low |
MCHB 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).
MCHB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.5 | Neutral |
| Stochastic | 16.7 | Oversold |
MCHB's weekly RSI is 42 (neutral) and its Stochastic is 17 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
MCHB PE vs Financial Services Sector
| Metric | MCHB | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
MCHB has no meaningful PE right now: it lost money over the past year.
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.
MCHB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.7 | 2.2% below |
| 20 week MA | $15.6 | 7.5% below |
| 50 week MA | $15.2 | 5.1% below |
| 100 week MA | $13.6 | 5.7% above |
| 200 week MA | $13.0 | 11% above |
MCHB 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.
MCHB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $33.9 | $33.5 | -0.9% |
| 2021 | $33.5 | $51.4 | +53% |
| 2022 | $51.4 | $27.0 | -47% |
| 2023 | $27.0 | $10.3 | -62% |
| 2024 | $10.3 | $11.2 | +8.3% |
| 2025 | $11.2 | $14.7 | +31% |
| 2026 YTD | $14.7 | $14.4 | -2% |
MCHB has the edge over BAC on returns for 2026, with the stronger performance.