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.
MHNC
Maiden Holdings North America, Ltd.
There isn't enough reported data to score MHNC 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.
MHNC Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
MHNC's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like MHNC.
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.
MHNC PE Valuation
MHNC 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.
MHNC Forward outlook
There aren't enough analyst estimates for MHNC 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 has the stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus MHNC down 142%.
MHNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2025 | -$0.11 | +$0.15 |
| Q4 2024 | -$0.01 | +$0.37 |
| Q3 2024 | -$0.65 | +$0.33 |
| Q2 2024 | -$0.33 | +$0.71 |
| Q1 2024 | -$0.26 | +$0.46 |
| Q4 2023 | -$0.38 | +$0.25 |
| Q3 2023 | -$0.98 | -333% |
| Q2 2023 | -$1.04 | -317% |
MHNC is still losing money, but far less than before: $0.11 per share over the past year, against $7.60 at its worst in mid-2019.
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 stronger quarterly revenue trend. Revenue is up 6.7% for BAC versus down 51% for MHNC.
| 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.
MHNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2025 | $14M | -51% |
| Q3 2024 | $14.5M | -33% |
| Q2 2024 | $20.5M | -10% |
| Q1 2024 | $28.9M | +48% |
| Q4 2023 | $25.2M | +160% |
| Q3 2023 | $21.8M | +23% |
| Q2 2023 | $22.8M | +10% |
| Q1 2023 | $19.5M | +94% |
MHNC's revenue has slid since its 2018 peak: $14M last quarter, down 51% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2025 | -42% | -45 points |
| Q3 2024 | -243% | -217 points |
| Q2 2024 | -54% | -19 points |
| Q1 2024 | 3% | +61 points |
| Q4 2023 | -84% | +471 points |
| Q3 2023 | -26% | +18 points |
| Q2 2023 | -35% | -51 points |
| Q1 2023 | -58% | -39 points |
MHNC's operating margin was −42% last quarter, up 42 points from the same quarter a year ago.
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 has the stronger cash trend. Its trailing FCF is up 119% versus its history, compared with MHNC at up 114%.
MHNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2025 | -$21.1M | -362% |
| Q4 2024 | $102M | +1540% |
| Q3 2024 | -$3.8M | -$1.5M |
| Q2 2024 | -$23.4M | +$19.9M |
| Q1 2024 | $8M | +$28.4M |
| Q4 2023 | $6.2M | +$102.3M |
| Q3 2023 | -$2.3M | +$8.7M |
| Q2 2023 | -$43.3M | -$30.6M |
MHNC's free cash flow was $54M over the past year, against −$31M the year before. Free cash flow isn't a meaningful measure for financial services companies like MHNC.
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 MHNC 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.
MHNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -782K shares |
| 1 year | -1.3% | -1.3M shares |
| 3 years | +15% | +12.6M shares |
| 5 years | +19% | +16.1M shares |
| Available history | +19% | +16M shares |
MHNC has 99M diluted shares, down 1.3% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2025 | — |
| Q4 2024 | $1.2M |
| Q3 2024 | $641,000 |
| Q2 2024 | $1.8M |
| Q1 2024 | $673,000 |
| Q4 2023 | $1M |
| Q3 2023 | $1.1M |
| Q2 2023 | $533,000 |
MHNC spent $4M buying back its own shares over the past year, up 10% from 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.
MHNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2022 | 41.8x | High |
| Q2 2022 | 18.0x | High |
| Q1 2022 | 13.8x | High |
| Q4 2021 | 8.4x | High |
| Q3 2021 | 7.9x | High |
| Q2 2021 | 6.2x | High |
| Q1 2021 | 4.5x | High |
| Q4 2020 | 3.6x | Elevated |
MHNC's net debt is more than 20 years of its operating earnings (EBITDA), up from 7.9 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MHNC.
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).
MHNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.9 | Neutral |
| Stochastic | 28.3 | Neutral |
MHNC's weekly RSI is 38 (neutral) and its Stochastic is 28 (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.
MHNC PE vs Financial Services Sector
| Metric | MHNC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
MHNC 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.
MHNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 0% above |
| 20 week MA | $11.3 | 5.9% below |
| 50 week MA | $13.0 | 18% below |
| 100 week MA | $15.0 | 29% below |
| 200 week MA | $16.4 | 35% below |
MHNC is in a downtrend: it's below all five of its weekly moving averages, and 35% below its 200-week average.
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 the edge over MHNC on returns for 2026, with the stronger performance.
MHNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.2 | $22.2 | -0.1% |
| 2021 | $22.2 | $22.6 | +2% |
| 2022 | $22.6 | $18.4 | -19% |
| 2023 | $18.4 | $19.0 | +3.3% |
| 2024 | $19.0 | $17.0 | -11% |
| 2025 | $17.0 | $15.8 | -7.4% |
| 2026 YTD | $15.8 | $10.6 | -33% |
MHNC has finished lower in four of the last six years. It's down 33% so far in 2026.