BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
OCCI
OFS Credit Company, Inc.
There isn't enough reported data to score OCCI yet.
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.
OCCI Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
OCCI's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like OCCI.
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.
OCCI PE Valuation
OCCI has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over OCCI on the outlook, with more favorable earnings and revenue expectations.
OCCI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Strong decline | |
| Improving | |
| Limited | |
| High |
Analysts expect OCCI's earnings and revenue to decline, though 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 stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus OCCI down 863%.
OCCI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.85 | — |
| Q2 2026 | -$1.22 | -863% |
| Q1 2026 | -$1.31 | -311% |
| Q4 2025 | -$0.37 | -142% |
| Q3 2025 | $0.24 | -68% |
| Q2 2025 | $0.16 | -72% |
| Q1 2025 | $0.62 | +$1.08 |
| Q4 2024 | $0.89 | +$1.07 |
| Q3 2024 | $0.74 | +$1.04 |
OCCI has swung to a loss: it lost $1.22 per share over the past year, after a profit 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 stronger quarterly revenue trend. Revenue is up 6.7% for BAC versus down 83% for OCCI.
| 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.
OCCI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1.7M | -83% |
| Q1 2026 | $10.4M | +3.1% |
| Q4 2025 | $11.1M | +30% |
| Q3 2025 | $11.9M | +59% |
| Q2 2025 | $10.2M | +27% |
| Q1 2025 | $10.1M | +53% |
| Q4 2024 | $8.6M | -5.4% |
| Q3 2024 | $7.5M | +3.1% |
OCCI's revenue has held roughly level: $2M last quarter, down 83% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -584% | -652 points |
| Q1 2026 | -188% | -256 points |
| Q4 2025 | -62% | -137 points |
| Q3 2025 | 71% | +12 points |
| Q2 2025 | 68% | -0.2 points |
| Q1 2025 | 67% | -53 points |
| Q4 2024 | 75% | +42 points |
| Q3 2024 | 59% | +38 points |
OCCI's operating margin was −584% last quarter, down 652 points from the same quarter a year ago, near the bottom of its range since 2019.
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% |
OCCI has the stronger cash trend. Its trailing FCF is up 22,168% versus its history, compared with BAC at up 119%.
OCCI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $34.5M | +$34.5M |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
| Q2 2024 | $0 | -100% |
| Q1 2024 | $0 | -100% |
OCCI's free cash flow was $35M over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like OCCI.
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 OCCI 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.
OCCI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.5% | +974K shares |
| 1 year | +16% | +4.1M shares |
| 3 years | +170% | +18.4M shares |
| 5 years | +432% | +23.7M shares |
| Available history | +854% | +26.1M shares |
OCCI has 29M diluted shares, up 16% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 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.
OCCI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | 3.9x | Elevated |
| Q2 2025 | 3.7x | Elevated |
| Q1 2025 | 3.2x | Elevated |
| Q4 2024 | -1.0x | Net Cash |
| Q3 2024 | 1.8x | Healthy |
| Q2 2024 | -0.9x | Net Cash |
| Q1 2024 | 27.3x | High |
OCCI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OCCI.
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).
OCCI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 22.0 | Oversold |
| Stochastic | 5.5 | Oversold |
OCCI's weekly RSI is 22 (oversold) and its Stochastic is 5 (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.
OCCI PE vs Financial Services Sector
| Metric | OCCI | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OCCI has no meaningful PE right now: it lost money over the past year.
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 the edge over OCCI on trend strength, trading above more of its moving averages.
OCCI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.77 | 25% below |
| 20 week MA | $2.22 | 40% below |
| 50 week MA | $3.07 | 57% below |
| 100 week MA | $4.62 | 71% below |
| 200 week MA | $6.16 | 78% below |
OCCI is in a downtrend: it's below all five of its weekly moving averages, and 78% below its 200-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 the edge over OCCI on returns for 2026, with the stronger performance.
OCCI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.7 | $12.3 | -22% |
| 2021 | $12.3 | $12.5 | +1.5% |
| 2022 | $12.5 | $8.36 | -33% |
| 2023 | $8.36 | $6.46 | -23% |
| 2024 | $6.46 | $7.07 | +9.4% |
| 2025 | $7.07 | $4.82 | -32% |
| 2026 YTD | $4.82 | $1.33 | -72% |
OCCI has finished lower in four of the last six years. It's down 72% so far in 2026.