BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
NBBK
NB Bancorp, Inc. Common Stock
NBBK has a slight edge over BAC overall, supported by stronger valuation.
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.
NBBK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
NBBK's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like NBBK.
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.
NBBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.1x | $21.91 | — |
| Cheap | 13x | $22.08 | +0.8% |
| Current | 13x | $21.91 | — |
| Fair | 15x | $24.73 | +13% |
| Expensive | 17x | $28.92 | +32% |
Historical ranges are pointers, not guarantees.
NBBK 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.
NBBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for NBBK, 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 has the edge over NBBK on earnings, with stronger typical year-over-year growth.
NBBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.41 | +45% |
| Q3 2026 | $1.66 | +7.1% |
| Q2 2026 | $1.51 | +14% |
| Q1 2026 | $1.37 | +16% |
| Q4 2025 | $1.34 | +25% |
| Q3 2025 | $1.55 | +343% |
NBBK's earnings per share have climbed steadily: $1.66 over the past year, up 7.1% from the year before, and higher year over year every quarter since late 2025.
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.
NBBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.5M | +48% |
| Q2 2026 | $74.7M | +46% |
| Q1 2026 | $69.4M | +46% |
| Q4 2025 | $63.4M | +37% |
| Q3 2025 | $51.7M | +21% |
| Q2 2025 | $51.2M | +23% |
| Q1 2025 | $47.4M | +12% |
| Q4 2024 | $46.3M | +21% |
NBBK has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -0.7 points |
| Q2 2026 | 37% | +0.2 points |
| Q1 2026 | 29% | -7.8 points |
| Q4 2025 | 23% | -18 points |
| Q3 2025 | 39% | +2.5 points |
| Q2 2025 | 37% | +8.2 points |
| Q1 2025 | 37% | +8.3 points |
| Q4 2024 | 42% | +95 points |
NBBK 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.
NBBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $67.2M | +181% |
| Q2 2026 | $31.3M | +20% |
| Q1 2026 | $25.3M | +157% |
| Q4 2025 | -$2.5M | -113% |
| Q3 2025 | $23.9M | +155% |
| Q2 2025 | $26.1M | +9.4% |
| Q1 2025 | $9.8M | +$21.7M |
| Q4 2024 | $19.9M | +52% |
NBBK 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 NBBK 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.
NBBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -166K shares |
| 1 year | +12% | +4.3M shares |
NBBK has 40M diluted shares, up 12% from a year ago, despite $46M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $18.5M |
| Q1 2026 | $27.8M |
| Q4 2025 | — |
| Q3 2025 | $17.5M |
| Q2 2025 | $18.9M |
| Q1 2025 | $40.7M |
NBBK spent $46M buying back its own shares over 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.
NBBK Net Leverage
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).
NBBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.2 | Neutral |
| Stochastic | 36.6 | Neutral |
NBBK's weekly RSI is 50 (neutral) and its Stochastic is 37 (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 NBBK on valuation relative to its sector.
NBBK PE vs Financial Services Sector
| Metric | NBBK | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 1.4% above |
| PE % | 14 | 37 | 23 pts below |
NBBK is trading at 13x 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 |
NBBK has stronger trend alignment. BAC is above 1 of 5 weekly averages versus NBBK above 2 of 4.
NBBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.3 | 1.7% below |
| 20 week MA | $22.3 | 1.7% below |
| 50 week MA | $21.4 | 2.6% above |
| 100 week MA | $19.7 | 11% above |
NBBK has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 11% above its 100-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 finished higher in four of the last six years. It's down 10% so far in 2026.
NBBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $13.5 | $13.5 | 0% |
| 2024 | $13.5 | $18.4 | +36% |
| 2025 | $18.4 | $20.6 | +12% |
| 2026 YTD | $20.6 | $21.9 | +6.4% |
NBBK has the edge over BAC on returns for 2026, with the stronger performance.