BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
OPBK
OP Bancorp
OPBK 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.
OPBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
OPBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPBK.
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 OPBK in the historical PE scenario, which offers more potential upside but is not a forecast.
OPBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.2x | $10.47 | -30% |
| Forward | 7.3x | $14.96 | — |
| Current | 7.4x | $14.96 | — |
| Fair | 7.9x | $15.97 | +6.8% |
| Expensive | 9.6x | $19.38 | +30% |
Historical ranges are pointers, not guarantees.
OPBK's PE is in its fair range at 7.4x. On analysts' estimates for next year's earnings, today's price would be 7.3x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over OPBK on the outlook, with more favorable valuation expectations.
OPBK Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for OPBK, 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 OPBK on earnings, with more consistent year-over-year improvement.
OPBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.05 | +2% |
| Q3 2026 | $2.01 | +28% |
| Q2 2026 | $1.94 | +31% |
| Q1 2026 | $1.83 | +29% |
| Q4 2025 | $1.72 | +24% |
| Q3 2025 | $1.57 | +11% |
| Q2 2025 | $1.48 | +7.2% |
| Q1 2025 | $1.42 | +0.7% |
| Q4 2024 | $1.39 | -10% |
OPBK earned $2.01 per share over the past year, up 28% 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.
OPBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $27.5M | +12% |
| Q2 2026 | $25.7M | +8.6% |
| Q1 2026 | $24.6M | +10% |
| Q4 2025 | $24.3M | +14% |
| Q3 2025 | $24.5M | +18% |
| Q2 2025 | $23.7M | +16% |
| Q1 2025 | $22.2M | +14% |
| Q4 2024 | $21.3M | +7.2% |
OPBK has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -1.7 points |
| Q2 2026 | 43% | +7.3 points |
| Q1 2026 | 40% | +5.8 points |
| Q4 2025 | 39% | +8 points |
| Q3 2025 | 40% | +3 points |
| Q2 2025 | 36% | -1.5 points |
| Q1 2025 | 35% | -2.6 points |
| Q4 2024 | 31% | -5.4 points |
OPBK 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.
OPBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.2M | +7.6% |
| Q2 2026 | -$7.4M | +$266K |
| Q1 2026 | $7.6M | +80% |
| Q4 2025 | $3.5M | -23% |
| Q3 2025 | $23.4M | +83% |
| Q2 2025 | -$7.7M | -149% |
| Q1 2025 | $4.2M | +$7.5M |
| Q4 2024 | $4.5M | +$6M |
OPBK 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 OPBK 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.
OPBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +13.9K shares |
| 1 year | +0.2% | +36.5K shares |
| 3 years | -1.2% | -185K shares |
| 5 years | -1.6% | -245K shares |
| Available history | -6.1% | -979K shares |
OPBK has 15M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $7,000 |
| Q3 2025 | — |
| Q2 2025 | $713,000 |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $52,000 |
| Q2 2024 | $2.2M |
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.
OPBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.0x | Net Cash |
| Q2 2026 | -1.5x | Net Cash |
| Q1 2026 | -1.3x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -2.4x | Net Cash |
| Q2 2025 | -4.9x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -1.3x | Net Cash |
OPBK 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).
OPBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.1 | Neutral |
| Stochastic | 26.6 | Neutral |
OPBK's weekly RSI is 51 (neutral) and its Stochastic is 27 (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.
OPBK PE vs Financial Services Sector
| Metric | OPBK | Sector median | Relative |
|---|---|---|---|
| PE | 7.4x | 13x | 43% below |
| PE % | 42 | 63 | 21 pts below |
OPBK 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.
OPBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.0 | 0.1% below |
| 20 week MA | $15.2 | 1.6% below |
| 50 week MA | $14.5 | 3.1% above |
| 100 week MA | $13.9 | 7.3% above |
| 200 week MA | $12.3 | 22% above |
OPBK 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.
OPBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.2 | $7.38 | -28% |
| 2021 | $7.38 | $12.5 | +70% |
| 2022 | $12.5 | $11.3 | -9.7% |
| 2023 | $11.3 | $11.0 | -3.1% |
| 2024 | $11.0 | $15.6 | +42% |
| 2025 | $15.6 | $14.3 | -8.4% |
| 2026 YTD | $14.3 | $15.0 | +4.9% |
OPBK has the edge over BAC on returns for 2026, with the stronger performance.