BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
NWFL
Norwood Financial Corp.
NWFL has the edge over BAC overall, supported by stronger fundamentals.
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.
NWFL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
NWFL's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NWFL.
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.
NWFL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $27.39 | -24% |
| Forward | 9.3x | $35.99 | — |
| Fair | 11x | $35.46 | -1.5% |
| Current | 12x | $35.99 | — |
| Expensive | 17x | $54.03 | +50% |
Historical ranges are pointers, not guarantees.
NWFL 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 |
BAC has the edge over NWFL on the outlook, with more favorable profitability expectations.
NWFL Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for NWFL, 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 NWFL on earnings, with more consistent year-over-year improvement.
NWFL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.87 | +24% |
| Q3 2026 | $3.11 | +402% |
| Q2 2026 | $2.92 | +1290% |
| Q1 2026 | $2.73 | +4450% |
| Q4 2025 | $3.01 | +$3.03 |
| Q3 2025 | $0.62 | -61% |
| Q2 2025 | $0.21 | -87% |
| Q1 2025 | $0.06 | -97% |
| Q4 2024 | -$0.02 | -101% |
NWFL earned $3.11 per share over the past year, about five times what it earned 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.
NWFL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30.9M | +35% |
| Q2 2026 | $29.4M | +38% |
| Q1 2026 | $27.3M | +35% |
| Q4 2025 | $23.5M | +1113% |
| Q3 2025 | $23M | +26% |
| Q2 2025 | $21.3M | +24% |
| Q1 2025 | $20.2M | +21% |
| Q4 2024 | $1.9M | -89% |
NWFL's revenue has grown year over year for seven quarters in a row: $31M last quarter, up 35% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +3.5 points |
| Q2 2026 | 40% | +2.9 points |
| Q1 2026 | 18% | -18 points |
| Q4 2025 | 40% | +871 points |
| Q3 2025 | 46% | +19 points |
| Q2 2025 | 37% | +5.6 points |
| Q1 2025 | 36% | +2.5 points |
| Q4 2024 | -831% | -833 points |
NWFL 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.
NWFL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.2M | +119% |
| Q2 2026 | $8.4M | +66% |
| Q1 2026 | $5.5M | -32% |
| Q4 2025 | $7.7M | +131% |
| Q3 2025 | $8.3M | +104% |
| Q2 2025 | $5.1M | -41% |
| Q1 2025 | $8.2M | +121% |
| Q4 2024 | $3.3M | -42% |
NWFL 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 NWFL 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.
NWFL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +66.3K shares |
| 1 year | +17% | +1.6M shares |
| 3 years | +36% | +2.9M shares |
| 5 years | +33% | +2.7M shares |
| Available history | +72% | +4.6M shares |
NWFL has 11M diluted shares, up 17% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $12,000 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $349,000 |
| Q4 2024 | $27,000 |
| Q3 2024 | $96,000 |
| Q4 2023 | $23,000 |
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.
NWFL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.8x | Very low |
| Q4 2025 | -0.5x | Net Cash |
| Q2 2025 | -1.1x | Net Cash |
| Q4 2024 | 76.4x | High |
| Q3 2024 | 0.3x | Very low |
| Q2 2024 | 1.8x | Healthy |
| Q1 2024 | 1.9x | Healthy |
| Q4 2023 | 2.0x | Moderate |
NWFL 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).
NWFL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.8 | Neutral |
| Stochastic | 65.5 | Neutral |
NWFL's weekly RSI is 68 (neutral) and its Stochastic is 65 (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.
NWFL PE vs Financial Services Sector
| Metric | NWFL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 52 | 63 | 11 pts below |
NWFL 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.
NWFL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.6 | 4.1% above |
| 20 week MA | $33.9 | 6.2% above |
| 50 week MA | $31.5 | 14% above |
| 100 week MA | $28.6 | 26% above |
| 200 week MA | $28.4 | 27% above |
NWFL 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.
NWFL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $39.3 | $26.4 | -33% |
| 2021 | $26.4 | $26.0 | -1.4% |
| 2022 | $26.0 | $33.1 | +27% |
| 2023 | $33.1 | $32.9 | -0.6% |
| 2024 | $32.9 | $26.8 | -19% |
| 2025 | $26.8 | $28.4 | +6.1% |
| 2026 YTD | $28.4 | $36.0 | +27% |
NWFL has the edge over BAC on returns for 2026, with the stronger performance.