BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
MYFW
First Western Financial, Inc.
MYFW has the edge over BAC overall on the model 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.
MYFW Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MYFW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MYFW.
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 MYFW in the historical PE scenario, which offers more potential upside but is not a forecast.
MYFW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $17.67 | -44% |
| Forward | 12x | $31.48 | — |
| Fair | 14x | $29.42 | -6.6% |
| Current | 15x | $31.48 | — |
| Expensive | 22x | $45.94 | +46% |
Historical ranges are pointers, not guarantees.
MYFW's PE is 15x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
MYFW Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for MYFW, with profitability improving.
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.
MYFW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.59 | +21% |
| Q3 2026 | $2.13 | +65% |
| Q2 2026 | $1.85 | +55% |
| Q1 2026 | $1.54 | +48% |
| Q4 2025 | $1.34 | +54% |
| Q3 2025 | $1.29 | +396% |
| Q2 2025 | $1.19 | +231% |
| Q1 2025 | $1.04 | +154% |
| Q4 2024 | $0.87 | +61% |
MYFW has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 MYFW on sales, with stronger typical year-over-year growth.
| 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 MYFW on profitability, with a higher operating margin.
MYFW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $28.8M | +9.4% |
| Q2 2026 | $28.1M | +16% |
| Q1 2026 | $27.5M | +11% |
| Q4 2025 | $26.7M | +14% |
| Q3 2025 | $26.3M | +17% |
| Q2 2025 | $24.2M | +6.3% |
| Q1 2025 | $24.8M | +6.2% |
| Q4 2024 | $23.4M | +4.3% |
MYFW's revenue has grown year over year for eight quarters in a row: $29M last quarter, up 9.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | +10 points |
| Q2 2026 | 26% | +13 points |
| Q1 2026 | 29% | +7.8 points |
| Q4 2025 | 17% | -0.1 points |
| Q3 2025 | 15% | +3.2 points |
| Q2 2025 | 14% | +7.5 points |
| Q1 2025 | 22% | +6.3 points |
| Q4 2024 | 17% | +36 points |
MYFW's operating margin was 25% last quarter, up 10 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.
MYFW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.9M | -12% |
| Q2 2026 | $11.2M | +$20.9M |
| Q1 2026 | $14.6M | +110% |
| Q4 2025 | -$12M | -$7.2M |
| Q3 2025 | $9M | -49% |
| Q2 2025 | -$9.7M | +$2.2M |
| Q1 2025 | $7M | +$9.5M |
| Q4 2024 | -$4.8M | -142% |
MYFW's free cash flow was $22M over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like MYFW.
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 MYFW 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.
MYFW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +32.6K shares |
| 1 year | +1.1% | +113K shares |
| 3 years | +2.4% | +239K shares |
| 5 years | +21% | +1.7M shares |
| Available history | +26% | +2.1M shares |
MYFW has 10M diluted shares, up 1.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $146,000 |
| Q4 2025 | — |
| Q3 2025 | $301,000 |
| Q2 2025 | $481,000 |
| Q1 2025 | $2,000 |
| Q4 2024 | — |
MYFW has spent almost nothing on buybacks in the past year.
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.
MYFW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -0.7x | Net Cash |
MYFW 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).
MYFW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.9 | Neutral |
| Stochastic | 50.7 | Neutral |
MYFW's weekly RSI is 60 (neutral) and its Stochastic is 51 (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 MYFW on valuation relative to its sector.
MYFW PE vs Financial Services Sector
| Metric | MYFW | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 58 | 63 | 5 pts below |
MYFW is trading at 15x earnings, a 14% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
MYFW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.4 | 3.6% above |
| 20 week MA | $31.1 | 1.1% above |
| 50 week MA | $28.5 | 10% above |
| 100 week MA | $24.9 | 26% above |
| 200 week MA | $21.7 | 45% above |
MYFW 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.
MYFW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.9 | $18.2 | +7.6% |
| 2021 | $18.2 | $30.2 | +66% |
| 2022 | $30.2 | $28.2 | -6.6% |
| 2023 | $28.2 | $19.8 | -30% |
| 2024 | $19.8 | $19.0 | -4% |
| 2025 | $19.0 | $26.3 | +38% |
| 2026 YTD | $26.3 | $31.5 | +20% |
MYFW has the edge over BAC on returns for 2026, with the stronger performance.