BAC
Bank of America Corporation
BAC has the edge over OZK overall, supported by stronger fundamentals and stronger modeled upside.
OZK
Bank OZK
OZK trails on the overall score without a compensating advantage in the available component scores.
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.
OZK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OZK's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OZK.
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 OZK in the historical PE scenario, which offers more potential upside but is not a forecast.
OZK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.3x | $44.10 | -13% |
| Current | 8.3x | $50.45 | — |
| Fair | 8.4x | $50.57 | +0.2% |
| Forward | 8.4x | $50.45 | — |
| Expensive | 11x | $67.55 | +34% |
Historical ranges are pointers, not guarantees.
OZK's PE is in its fair range at 8.3x. On analysts' estimates for next year's earnings, today's price would be 8.4x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over OZK on the outlook, with more favorable valuation and earnings expectations.
OZK Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect OZK's profitability to weaken, with its earnings and 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 OZK on earnings, with more consistent year-over-year improvement.
OZK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.01 | -0.7% |
| Q2 2026 | $6.05 | -1.8% |
| Q1 2026 | $6.14 | +0.7% |
| Q4 2025 | $6.17 | +0.5% |
| Q3 2025 | $6.20 | +2% |
| Q2 2025 | $6.16 | +2.3% |
| Q1 2025 | $6.10 | +2.2% |
| Q4 2024 | $6.14 | +4.6% |
| Q3 2024 | $6.08 | +6.5% |
OZK earned $6.05 per share over the past year, down 1.8% 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 OZK on sales, with more consistent year-over-year improvement.
| 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.
OZK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $672.9M | -3.8% |
| Q1 2026 | $661.5M | -1.3% |
| Q4 2025 | $704.6M | +1.3% |
| Q3 2025 | $731.1M | +2.2% |
| Q2 2025 | $699.6M | +0.4% |
| Q1 2025 | $670.5M | +0.6% |
| Q4 2024 | $695.6M | +7% |
| Q3 2024 | $715.7M | +21% |
OZK's revenue grew through 2024 and has held roughly level since: $673M last quarter, down 3.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 32% | -2.5 points |
| Q1 2026 | 32% | -1.4 points |
| Q4 2025 | 32% | -1.4 points |
| Q3 2025 | 33% | +0.1 points |
| Q2 2025 | 34% | +1.2 points |
| Q1 2025 | 33% | -1.1 points |
| Q4 2024 | 34% | +0.2 points |
| Q3 2024 | 33% | -4.2 points |
OZK 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 has the edge over OZK on cash flow, with more consistent year-over-year improvement.
OZK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $189M | +48% |
| Q1 2026 | $212.1M | -12% |
| Q4 2025 | $175.3M | +45% |
| Q3 2025 | $186M | -28% |
| Q2 2025 | $128.1M | -5.4% |
| Q1 2025 | $242.3M | +8% |
| Q4 2024 | $121M | -35% |
| Q3 2024 | $258M | -3.3% |
OZK's free cash flow was $762M over the past year, up 1.7% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OZK.
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 OZK 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.
OZK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -1.2M shares |
| 1 year | -3.6% | -4.1M shares |
| 3 years | -4% | -4.6M shares |
| 5 years | -16% | -20.6M shares |
| Available history | -15% | -19.3M shares |
OZK has 110M diluted shares, down 3.6% from a year ago, with $169M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | $15.5M |
| Q1 2026 | $60M |
| Q4 2025 | $93.7M |
| Q3 2025 | — |
| Q2 2025 | $50.8M |
| Q1 2025 | $7.1M |
| Q4 2024 | — |
| Q3 2024 | $462,000 |
OZK spent $169M buying back its own shares over the past year, up 190% from 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.
OZK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | -0.9x | Net Cash |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -1.4x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
| Q3 2024 | -2.1x | Net Cash |
OZK 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).
OZK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.2 | Neutral |
| Stochastic | 75.3 | Neutral |
OZK's weekly RSI is 54 (neutral) and its Stochastic is 75 (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.
OZK PE vs Financial Services Sector
| Metric | OZK | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 49 | 63 | 14 pts below |
OZK 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.
OZK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.3 | 4.4% above |
| 20 week MA | $49.5 | 1.8% above |
| 50 week MA | $48.5 | 4% above |
| 100 week MA | $47.8 | 5.6% above |
| 200 week MA | $44.9 | 12% above |
OZK 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.
OZK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.8 | $31.1 | +1% |
| 2021 | $31.1 | $45.4 | +46% |
| 2022 | $45.4 | $40.3 | -11% |
| 2023 | $40.3 | $49.8 | +24% |
| 2024 | $49.8 | $44.6 | -11% |
| 2025 | $44.6 | $47.2 | +5.8% |
| 2026 YTD | $47.2 | $50.5 | +7% |
OZK has the edge over BAC on returns for 2026, with the stronger performance.