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.
MGYR
Magyar Bancorp, Inc.
There isn't enough reported data to score MGYR 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.
MGYR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
MGYR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MGYR.
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.
MGYR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.6x | $17.80 | -19% |
| Fair | 11x | $20.61 | -6.1% |
| Current | 11x | $21.94 | — |
| Expensive | 21x | $38.43 | +75% |
Historical ranges are pointers, not guarantees.
MGYR 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.
MGYR Forward outlook
There aren't enough analyst estimates for MGYR to show an outlook.
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.
MGYR Earnings Per Share
MGYR and BAC do not have enough comparable growth data to identify a winner.
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.
MGYR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $9.4M | +15% |
| Q1 2026 | $9.2M | +17% |
| Q4 2025 | $8.9M | +19% |
| Q3 2025 | $8.4M | +20% |
| Q2 2025 | $8.2M | +14% |
| Q1 2025 | $7.9M | +4.4% |
| Q4 2024 | $7.4M | -5.2% |
| Q3 2024 | $7M | -10% |
MGYR's revenue has grown year over year for six quarters in a row: $9M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 46% | +3.7 points |
| Q1 2026 | 46% | -1.7 points |
| Q4 2025 | 48% | +9.5 points |
| Q3 2025 | 44% | -15 points |
| Q2 2025 | 42% | +12 points |
| Q1 2025 | 48% | +16 points |
| Q4 2024 | 39% | +8.9 points |
| Q3 2024 | 59% | +22 points |
MGYR 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.
MGYR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.8M | +115% |
| Q1 2026 | $2.9M | +27% |
| Q4 2025 | $3.7M | +45% |
| Q3 2025 | $2.8M | +227% |
| Q2 2025 | $2.2M | +31% |
| Q1 2025 | $2.3M | +312% |
| Q4 2024 | $2.5M | -21% |
| Q2 2022 | $3.8M | +186% |
MGYR 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 MGYR 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.
MGYR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -6.3K shares |
| 1 year | +0.9% | +55.3K shares |
| 3 years | -1.9% | -125K shares |
| 5 years | -11% | -808K shares |
| Available history | -12% | -820K shares |
MGYR has 6M diluted shares, up 0.9% 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.
MGYR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 2.2x | Moderate |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 0.9x | Very low |
| Q3 2025 | 2.9x | Moderate |
| Q2 2025 | 1.9x | Healthy |
| Q1 2025 | -2.8x | Net Cash |
| Q4 2024 | -2.2x | Net Cash |
| Q3 2024 | 0.3x | Very low |
MGYR 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).
MGYR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.5 | Overbought |
| Stochastic | 73.3 | Neutral |
MGYR's weekly RSI is 74 (overbought) and its Stochastic is 73 (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.
MGYR PE vs Financial Services Sector
| Metric | MGYR | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 48 | 63 | 15 pts below |
MGYR 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.
MGYR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.4 | 7.3% above |
| 20 week MA | $19.5 | 13% above |
| 50 week MA | $18.3 | 20% above |
| 100 week MA | $17.0 | 29% above |
| 200 week MA | $14.2 | 55% above |
MGYR 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.
MGYR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.3 | $7.88 | -23% |
| 2021 | $7.88 | $12.4 | +57% |
| 2022 | $12.4 | $12.9 | +4.5% |
| 2023 | $12.9 | $11.2 | -13% |
| 2024 | $11.2 | $14.7 | +31% |
| 2025 | $14.7 | $17.5 | +19% |
| 2026 YTD | $17.5 | $21.9 | +26% |
MGYR has the edge over BAC on returns for 2026, with the stronger performance.