BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
PACS
PACS Group, Inc.
PACS 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.
PACS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PACS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PACS.
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 PACS in the historical PE scenario, which offers more potential upside but is not a forecast.
PACS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 17x | $30.55 | -36% |
| Forward | 18x | $48.00 | — |
| Fair | 24x | $43.08 | -10% |
| Current | 27x | $48.00 | — |
| Expensive | 34x | $60.12 | +25% |
Historical ranges are pointers, not guarantees.
PACS's PE is in its fair range at 27x. If earnings grow as analysts expect, today's price would be 18x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
PACS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for PACS, 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.
PACS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.64 | +50% |
| Q3 2026 | $1.76 | +73% |
| Q2 2026 | $1.71 | +114% |
| Q1 2026 | $1.55 | +269% |
| Q4 2025 | $1.22 | +94% |
| Q3 2025 | $1.02 | +59% |
| Q2 2025 | $0.80 | +19% |
| Q1 2025 | $0.42 | -52% |
| Q4 2024 | $0.63 | -16% |
PACS earned $1.76 per share over the past year, up 73% 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 has the edge over PACS on profitability, with a higher operating margin.
PACS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.5B | +11% |
| Q2 2026 | $1.4B | +9.1% |
| Q1 2026 | $1.4B | +11% |
| Q4 2025 | $1.4B | +12% |
| Q3 2025 | $1.3B | +31% |
| Q2 2025 | $1.3B | +33% |
| Q1 2025 | $1.3B | +37% |
| Q4 2024 | $1.2B | +42% |
PACS has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.7% | +0.2 points |
| Q2 2026 | 7.7% | +1.5 points |
| Q1 2026 | 8.4% | +4.7 points |
| Q4 2025 | 7% | +1 points |
| Q3 2025 | 6.4% | +4.2 points |
| Q2 2025 | 6.2% | +6.1 points |
| Q1 2025 | 3.8% | -4.8 points |
| Q4 2024 | 6% | -6 points |
PACS's operating margin was 6.7% last quarter, about level with the same quarter a year ago.
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.
PACS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $178.7M | -4.3% |
| Q2 2026 | $109M | +221% |
| Q1 2026 | $214.5M | +62% |
| Q4 2025 | -$54.5M | -236% |
| Q3 2025 | $186.8M | -3.4% |
| Q2 2025 | $34M | +75% |
| Q1 2025 | $132.5M | +176% |
| Q4 2024 | $40M | +$64.9M |
PACS 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 PACS 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.
PACS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +1.9M shares |
| 1 year | -0.5% | -794K shares |
| 3 years | +7.6% | +11.5M shares |
PACS has 164M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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.
PACS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2024 | 0.9x | Very low |
| Q2 2024 | 0.7x | Very low |
| Q1 2024 | 0.6x | Very low |
| Q4 2023 | 10.2x | High |
PACS's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like PACS.
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).
PACS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.3 | Neutral |
| Stochastic | 75.8 | Neutral |
PACS's weekly RSI is 62 (neutral) and its Stochastic is 76 (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 has the edge over PACS on valuation relative to its sector.
PACS PE vs Financial Services Sector
| Metric | PACS | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 13x | 109% above |
| PE % | 63 | 30 | 33 pts above |
PACS is trading at 27x earnings, a 109% premium to the Financial Services sector's median of 13x.
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 |
PACS has stronger trend alignment. BAC is above 1 of 5 weekly averages versus PACS above 4 of 4.
PACS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.9 | 4.5% above |
| 20 week MA | $45.2 | 6.3% above |
| 50 week MA | $39.7 | 21% above |
| 100 week MA | $26.2 | 84% above |
PACS is in an uptrend: it's above all four of its weekly moving averages, and 84% above its 100-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 finished higher in four of the last six years. It's down 10% so far in 2026.
PACS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $24.0 | $13.0 | -46% |
| 2025 | $13.0 | $38.1 | +193% |
| 2026 YTD | $38.1 | $48.0 | +26% |
PACS has the edge over BAC on returns for 2026, with the stronger performance.