BAC
Bank of America Corporation
BAC has the edge over MPB overall, supported by stronger valuation and stronger modeled upside.
MPB
Mid Penn Bancorp, Inc.
MPB offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
MPB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MPB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MPB.
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 MPB in the historical PE scenario, which offers more potential upside but is not a forecast.
MPB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $23.92 | -32% |
| Fair | 9.5x | $27.50 | -22% |
| Forward | 10x | $35.30 | — |
| Current | 12x | $35.30 | — |
| Expensive | 13x | $36.77 | +4.2% |
Historical ranges are pointers, not guarantees.
MPB's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over MPB on the outlook, with more favorable profitability expectations.
MPB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MPB, but weaker profitability.
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 MPB on earnings, with more consistent year-over-year improvement.
MPB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.52 | +22% |
| Q3 2026 | $2.88 | +18% |
| Q2 2026 | $2.83 | +18% |
| Q1 2026 | $2.20 | -24% |
| Q4 2025 | $2.55 | -12% |
| Q3 2025 | $2.44 | -16% |
| Q2 2025 | $2.39 | -13% |
| Q1 2025 | $2.88 | +24% |
| Q4 2024 | $2.90 | +27% |
MPB earned $2.88 per share over the past year, up 18% from 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'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.
MPB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $74.7M | +21% |
| Q2 2026 | $75.9M | +40% |
| Q1 2026 | $64.9M | +36% |
| Q4 2025 | $62M | +31% |
| Q3 2025 | $61.8M | +36% |
| Q2 2025 | $54.3M | +23% |
| Q1 2025 | $47.7M | +13% |
| Q4 2024 | $47.4M | +13% |
MPB has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -2.2 points |
| Q2 2026 | 36% | +29 points |
| Q1 2026 | 17% | -18 points |
| Q4 2025 | 44% | +9.4 points |
| Q3 2025 | 39% | +6.5 points |
| Q2 2025 | 7.9% | -25 points |
| Q1 2025 | 35% | +0.4 points |
| Q4 2024 | 34% | -0.1 points |
MPB 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.
MPB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $15.9M | -35% |
| Q2 2026 | $31.2M | +15% |
| Q1 2026 | $13M | +48% |
| Q4 2025 | $11.5M | +$13.6M |
| Q3 2025 | $24.3M | +45% |
| Q2 2025 | $27.2M | +53% |
| Q1 2025 | $8.8M | -27% |
| Q4 2024 | -$2.2M | -114% |
MPB 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 MPB 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.
MPB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +20K shares |
| 1 year | +10% | +2.4M shares |
| 3 years | +55% | +9M shares |
| 5 years | +148% | +15.3M shares |
| Available history | +202% | +17.2M shares |
MPB has 26M diluted shares, up 10% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $246,000 |
| Q3 2025 | $226,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
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.
MPB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 0.5x | Very low |
MPB 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).
MPB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.8 | Neutral |
| Stochastic | 20.2 | Neutral |
MPB's weekly RSI is 51 (neutral) and its Stochastic is 20 (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 has the edge over MPB on valuation relative to its sector.
MPB PE vs Financial Services Sector
| Metric | MPB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.8% below |
| PE % | 78 | 63 | 15 pts above |
MPB is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
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.
MPB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.3 | 0% above |
| 20 week MA | $36.2 | 2.6% below |
| 50 week MA | $34.0 | 3.7% above |
| 100 week MA | $31.1 | 14% above |
| 200 week MA | $27.7 | 27% above |
MPB 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.
MPB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.4 | $24.9 | -15% |
| 2021 | $24.9 | $31.6 | +27% |
| 2022 | $31.6 | $31.1 | -1.5% |
| 2023 | $31.1 | $24.3 | -22% |
| 2024 | $24.3 | $28.9 | +19% |
| 2025 | $28.9 | $31.7 | +9.7% |
| 2026 YTD | $31.7 | $35.3 | +11% |
MPB has the edge over BAC on returns for 2026, with the stronger performance.