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.
OXBR
Oxbridge Re Holdings Limited
There isn't enough reported data to score OXBR 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.
OXBR Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
OXBR's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like OXBR.
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.
OXBR PE Valuation
OXBR 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
OXBR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong decline | |
| -- | |
| Limited | |
| High |
Analysts expect OXBR's losses to grow, with revenue declining.
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 OXBR on earnings quality, reporting a profit while its opponent remains loss making.
OXBR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$0.02 | +$0.34 |
| Q2 2026 | $0.01 | +$0.44 |
| Q1 2026 | -$0.26 | +$0.06 |
| Q2 2022 | $1.35 | +1250% |
| Q1 2022 | $1.42 | +2740% |
OXBR is still losing money, but far less than before: $0.02 per share over the past year, against $0.43 at its worst in mid-2025.
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 has the edge over OXBR on profitability, with a higher operating margin.
OXBR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $261K | -60% |
| Q2 2026 | $940K | +42% |
| Q1 2026 | $623K | -10% |
| Q4 2025 | $576K | +36% |
| Q3 2025 | $645K | +215% |
| Q2 2025 | $664K | +1409% |
| Q2 2024 | $44K | -94% |
| Q2 2023 | $691K | +37% |
OXBR's revenue fell from its 2021 peak and has held roughly level since: $261,000 last quarter, down 60% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -149% | -122 points |
| Q2 2026 | 31% | +333 points |
| Q1 2026 | 6.1% | +24 points |
| Q4 2025 | 39% | +57 points |
| Q3 2025 | -27% | +116 points |
| Q2 2025 | -302% | +1026 points |
| Q1 2025 | -18% | N/A |
| Q4 2024 | -18% | N/A |
OXBR's operating margin was −149% last quarter, down 122 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% |
BAC has the edge over OXBR on cash generation, producing positive trailing cash flow while its opponent burns cash.
OXBR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$317K | -369% |
| Q2 2026 | -$267K | +$1.9M |
| Q1 2026 | $210K | -23% |
| Q2 2023 | -$1.5M | -$1.1M |
| Q1 2023 | -$145K | -$76K |
| Q2 2022 | -$406K | -$265K |
| Q1 2022 | -$69K | -$2K |
| Q4 2021 | -$146K | -1317% |
OXBR's free cash flow was $59,000 over the past year, against −$3M the year before. Free cash flow isn't a meaningful measure for financial services companies like OXBR.
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 OXBR 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.
OXBR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +23.6K shares |
| 1 year | +6% | +461K shares |
| 3 years | +41% | +2.4M shares |
| 5 years | +42% | +2.4M shares |
OXBR has 8M diluted shares, up 6% from a year ago.
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.
OXBR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2022 | -0.6x | Net Cash |
| Q4 2021 | -0.4x | Net Cash |
| Q3 2021 | -0.8x | Net Cash |
| Q2 2021 | -10.9x | Net Cash |
| Q1 2021 | -10.4x | Net Cash |
OXBR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OXBR.
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).
OXBR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.3 | Neutral |
| Stochastic | 17.7 | Oversold |
OXBR's weekly RSI is 40 (neutral) and its Stochastic is 18 (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 has the edge over OXBR on valuation relative to its sector.
OXBR PE vs Financial Services Sector
| Metric | OXBR | Sector median | Relative |
|---|---|---|---|
| PE | 68x | 13x | 424% above |
| PE % | 82 | 63 | 19 pts above |
OXBR 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 OXBR on trend strength, trading above more of its moving averages.
OXBR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.00 | 13% below |
| 20 week MA | $1.27 | 31% below |
| 50 week MA | $1.14 | 24% below |
| 100 week MA | $1.78 | 51% below |
| 200 week MA | $1.77 | 51% below |
OXBR is in a downtrend: it's below all five of its weekly moving averages, and 51% 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 OXBR on returns for 2026, with the stronger performance.
OXBR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $0.74 | $1.68 | +127% |
| 2021 | $1.68 | $6.96 | +314% |
| 2022 | $6.96 | $1.25 | -82% |
| 2023 | $1.25 | $1.10 | -12% |
| 2024 | $1.10 | $4.81 | +337% |
| 2025 | $4.81 | $1.23 | -74% |
| 2026 YTD | $1.23 | $0.87 | -29% |
OXBR's yearly returns have swung widely, from +337% in 2024 to −82% in 2022. It's down 29% so far in 2026.