BAC
Bank of America Corporation
BAC has a slight edge over OSBC overall, supported by stronger valuation and stronger modeled upside.
OSBC
Old Second Bancorp, Inc.
OSBC offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
OSBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
OSBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OSBC.
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 OSBC in the historical PE scenario, which offers more potential upside but is not a forecast.
OSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.4x | $15.56 | -38% |
| Fair | 9.8x | $20.78 | -17% |
| Forward | 11x | $25.11 | — |
| Current | 12x | $25.11 | — |
| Expensive | 14x | $30.07 | +20% |
Historical ranges are pointers, not guarantees.
OSBC's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its fair range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over OSBC on the outlook, with more favorable revenue expectations.
OSBC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect OSBC's earnings to grow and its profitability to improve, with its revenue 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 OSBC on earnings, with more consistent year-over-year improvement.
OSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.32 | +10% |
| Q3 2026 | $2.11 | +40% |
| Q2 2026 | $1.73 | -5.5% |
| Q1 2026 | $1.67 | -8.7% |
| Q4 2025 | $1.62 | -13% |
| Q3 2025 | $1.51 | -18% |
| Q2 2025 | $1.83 | -3.2% |
| Q1 2025 | $1.83 | -7.1% |
| Q4 2024 | $1.87 | -7.4% |
OSBC earned $2.11 per share over the past year, up 40% 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.
OSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $97.1M | +1.3% |
| Q2 2026 | $96.6M | +29% |
| Q1 2026 | $93.8M | +28% |
| Q4 2025 | $95.2M | +30% |
| Q3 2025 | $95.9M | +35% |
| Q2 2025 | $75.1M | +6.1% |
| Q1 2025 | $73.1M | +4% |
| Q4 2024 | $73.2M | +4.6% |
OSBC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +26 points |
| Q2 2026 | 39% | +0.3 points |
| Q1 2026 | 36% | +0.5 points |
| Q4 2025 | 41% | +6.6 points |
| Q3 2025 | 14% | -28 points |
| Q2 2025 | 39% | -2.3 points |
| Q1 2025 | 36% | -4.8 points |
| Q4 2024 | 35% | -1 points |
OSBC 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.
OSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.2M | +85% |
| Q2 2026 | $27.9M | +19% |
| Q1 2026 | $36.2M | +123% |
| Q4 2025 | $43.4M | +98% |
| Q3 2025 | $34.7M | -25% |
| Q2 2025 | $23.5M | +167% |
| Q1 2025 | $16.2M | -63% |
| Q4 2024 | $21.8M | -12% |
OSBC 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 OSBC 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.
OSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.9% | -975K shares |
| 1 year | -4.4% | -2.4M shares |
| 3 years | +13% | +5.7M shares |
| 5 years | +74% | +21.8M shares |
| Available history | +68% | +20.7M shares |
OSBC has 51M diluted shares, down 4.4% from a year ago, with $80M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $39.5M |
| Q2 2026 | $15.8M |
| Q1 2026 | $24.5M |
| Q4 2025 | $36,000 |
| Q3 2025 | $5.9M |
| Q2 2025 | $62,000 |
| Q1 2025 | $1.4M |
| Q4 2024 | $257,000 |
OSBC spent $80M buying back its own shares over the past year, more than ten times what it spent the year before.
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.
OSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Moderate |
| Q2 2026 | 2.0x | Moderate |
| Q1 2026 | 1.2x | Healthy |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
OSBC 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).
OSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.4 | Neutral |
| Stochastic | 38.5 | Neutral |
OSBC's weekly RSI is 61 (neutral) and its Stochastic is 39 (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.
OSBC PE vs Financial Services Sector
| Metric | OSBC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.6% below |
| PE % | 71 | 63 | 8 pts above |
OSBC 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.
OSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.7 | 1.7% above |
| 20 week MA | $24.8 | 1.5% above |
| 50 week MA | $22.3 | 13% above |
| 100 week MA | $19.9 | 26% above |
| 200 week MA | $17.4 | 45% above |
OSBC 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.
OSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.5 | $9.97 | -26% |
| 2021 | $9.97 | $12.6 | +27% |
| 2022 | $12.6 | $16.6 | +31% |
| 2023 | $16.6 | $15.4 | -7% |
| 2024 | $15.4 | $17.8 | +16% |
| 2025 | $17.8 | $19.9 | +12% |
| 2026 YTD | $19.9 | $25.1 | +26% |
OSBC has the edge over BAC on returns for 2026, with the stronger performance.