BAC
Bank of America Corporation
BAC has the edge over MNSB overall, supported by stronger valuation and stronger modeled upside.
MNSB
MainStreet Bancshares, Inc.
MNSB's outlook is improving, though it still trails on the overall score.
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.
MNSB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
MNSB'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 MNSB.
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 MNSB in the historical PE scenario, which offers more potential upside but is not a forecast.
MNSB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $12.45 | -42% |
| Fair | 9.1x | $17.67 | -18% |
| Forward | 10x | $21.45 | — |
| Current | 11x | $21.45 | — |
| Expensive | 12x | $22.58 | +5.3% |
Historical ranges are pointers, not guarantees.
MNSB's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over MNSB on the outlook, with more favorable profitability expectations.
MNSB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for MNSB, with 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 edge over MNSB on earnings, with more consistent year-over-year improvement.
MNSB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.07 | +6.2% |
| Q3 2026 | $1.95 | +$2.84 |
| Q2 2026 | $2.04 | +$3.49 |
| Q1 2026 | $1.99 | +$3.70 |
| Q4 2025 | $1.76 | +$3.36 |
| Q3 2025 | -$0.89 | -174% |
| Q2 2025 | -$1.45 | -172% |
| Q1 2025 | -$1.71 | -166% |
| Q4 2024 | -$1.60 | -149% |
MNSB has returned to profit: it earned $1.95 per share over the past year, after losing money 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 MNSB 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 has the edge over MNSB on profitability, with a higher operating margin.
MNSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $19.4M | +6.7% |
| Q2 2026 | $19.1M | -3.7% |
| Q1 2026 | $17.9M | +2.6% |
| Q4 2025 | $18M | +7.1% |
| Q3 2025 | $18.2M | +12% |
| Q2 2025 | $19.9M | +23% |
| Q1 2025 | $17.4M | +7.3% |
| Q4 2024 | $16.8M | -5.7% |
MNSB's revenue has held roughly level: $19M last quarter, up 6.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | -5.8 points |
| Q2 2026 | 32% | +3 points |
| Q1 2026 | 30% | +12 points |
| Q4 2025 | 27% | +152 points |
| Q3 2025 | 30% | +29 points |
| Q2 2025 | 28% | +11 points |
| Q1 2025 | 18% | -7.5 points |
| Q4 2024 | -125% | -160 points |
MNSB's operating margin was 24% last quarter, down 5.8 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'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.
MNSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.8M | +6.4% |
| Q2 2026 | $4.8M | +$7.5M |
| Q1 2026 | $6.5M | +366% |
| Q4 2025 | $6.4M | +19% |
| Q3 2025 | $5.5M | +27% |
| Q2 2025 | -$2.6M | -345% |
| Q1 2025 | $1.4M | -54% |
| Q4 2024 | $5.4M | +1.8% |
MNSB 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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
MNSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -57.9K shares |
| 1 year | -7.6% | -585K shares |
| 3 years | -5.4% | -405K shares |
| 5 years | -6% | -452K shares |
| Available history | -14% | -1.1M shares |
MNSB has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5M |
| Q1 2026 | $6.1M |
| Q4 2025 | $3.9M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $446,000 |
| Q4 2024 | $13,000 |
MNSB spent $15M 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.
MNSB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.7x | Healthy |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.5x | Healthy |
| Q4 2025 | 1.9x | Healthy |
| Q3 2024 | 1.9x | Healthy |
| Q2 2024 | 1.3x | Healthy |
| Q1 2024 | 0.8x | Very low |
| Q4 2023 | 0.5x | Very low |
MNSB 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).
MNSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.4 | Neutral |
| Stochastic | 16.6 | Oversold |
MNSB's weekly RSI is 38 (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.
MNSB PE vs Financial Services Sector
| Metric | MNSB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 75 | 63 | 12 pts above |
MNSB 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.
MNSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.5 | 8.5% below |
| 20 week MA | $24.1 | 11% below |
| 50 week MA | $23.0 | 6.8% below |
| 100 week MA | $20.9 | 2.7% above |
| 200 week MA | $20.8 | 3.2% above |
MNSB 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.
MNSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.0 | $16.8 | -27% |
| 2021 | $16.8 | $23.8 | +42% |
| 2022 | $23.8 | $27.4 | +15% |
| 2023 | $27.4 | $24.8 | -9.3% |
| 2024 | $24.8 | $18.0 | -27% |
| 2025 | $18.0 | $21.0 | +17% |
| 2026 YTD | $21.0 | $21.5 | +2.1% |
MNSB has the edge over BAC on returns for 2026, with the stronger performance.