BAC
Bank of America Corporation
BAC has a slight edge over ORRF overall, supported by stronger modeled upside and stronger valuation.
ORRF
Orrstown Financial Services, Inc.
ORRF's outlook is improving, though it still trails on the overall 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.
ORRF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ORRF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ORRF.
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 ORRF in the historical PE scenario, which offers more potential upside but is not a forecast.
ORRF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $34.06 | -23% |
| Fair | 9.1x | $40.84 | -7.4% |
| Forward | 9.6x | $44.10 | — |
| Current | 9.8x | $44.10 | — |
| Expensive | 15x | $69.33 | +57% |
Historical ranges are pointers, not guarantees.
ORRF's PE is in its fair range at 9.8x. On analysts' estimates for next year's earnings, today's price would be 9.6x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over ORRF on the outlook, with more favorable valuation expectations.
ORRF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ORRF, 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.
ORRF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.58 | +2% |
| Q3 2026 | $4.49 | +31% |
| Q2 2026 | $4.45 | +137% |
| Q1 2026 | $4.37 | +173% |
| Q4 2025 | $4.18 | +182% |
| Q3 2025 | $3.42 | +83% |
| Q2 2025 | $1.88 | -40% |
| Q1 2025 | $1.60 | -52% |
| Q4 2024 | $1.48 | -57% |
ORRF earned $4.49 per share over the past year, up 31% 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 has the edge over ORRF 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
ORRF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $66.7M | +3.6% |
| Q2 2026 | $62.7M | +0.4% |
| Q1 2026 | $64.6M | +7% |
| Q4 2025 | $64.9M | +5% |
| Q3 2025 | $64.4M | +0.4% |
| Q2 2025 | $62.4M | +88% |
| Q1 2025 | $60.4M | +80% |
| Q4 2024 | $61.8M | +90% |
ORRF's revenue has grown year over year for nine quarters in a row: $67M last quarter, up 3.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -0.5 points |
| Q2 2026 | 39% | -0.2 points |
| Q1 2026 | 43% | +4.9 points |
| Q4 2025 | 42% | +15 points |
| Q3 2025 | 43% | +58 points |
| Q2 2025 | 40% | +10 points |
| Q1 2025 | 38% | +5.6 points |
| Q4 2024 | 28% | -2.1 points |
ORRF 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.
ORRF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.9M | -118% |
| Q2 2026 | $22.4M | -5.4% |
| Q1 2026 | $25.1M | +191% |
| Q4 2025 | $15.9M | +119% |
| Q3 2025 | $22.3M | +213% |
| Q2 2025 | $23.7M | +270% |
| Q1 2025 | $8.6M | -31% |
| Q4 2024 | $7.2M | -45% |
ORRF's free cash flow was $59M over the past year, down 3.9% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ORRF.
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 ORRF 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.
ORRF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +72K shares |
| 1 year | +0.7% | +140K shares |
| 3 years | +87% | +9.1M shares |
| 5 years | +76% | +8.4M shares |
| Available history | +86% | +9M shares |
ORRF has 20M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $429,000 |
| Q4 2025 | $169,000 |
| Q3 2025 | $29,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
ORRF 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.
ORRF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.1x | Very low |
| Q4 2024 | 1.5x | Healthy |
ORRF 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).
ORRF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.5 | Neutral |
| Stochastic | 66.2 | Neutral |
ORRF's weekly RSI is 63 (neutral) and its Stochastic is 66 (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.
ORRF PE vs Financial Services Sector
| Metric | ORRF | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 65 | 63 | 2 pts above |
ORRF 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.
ORRF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $42.8 | 3.1% above |
| 20 week MA | $42.4 | 4.1% above |
| 50 week MA | $39.1 | 13% above |
| 100 week MA | $36.0 | 23% above |
| 200 week MA | $31.1 | 42% above |
ORRF 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.
ORRF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.8 | $16.9 | -26% |
| 2021 | $16.9 | $24.4 | +45% |
| 2022 | $24.4 | $23.8 | -2.8% |
| 2023 | $23.8 | $29.5 | +24% |
| 2024 | $29.5 | $36.5 | +24% |
| 2025 | $36.5 | $35.9 | -1.5% |
| 2026 YTD | $35.9 | $44.1 | +23% |
ORRF has the edge over BAC on returns for 2026, with the stronger performance.