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.
PBFS
Pioneer Bancorp, Inc.
There isn't enough reported data to score PBFS 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.
PBFS Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
PBFS's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBFS.
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 PBFS in the historical PE scenario, which offers more potential upside but is not a forecast.
PBFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $7.06 | -61% |
| Fair | 20x | $10.45 | -42% |
| Current | 35x | $18.15 | — |
| Expensive | 52x | $27.26 | +50% |
Historical ranges are pointers, not guarantees.
PBFS's PE is 35x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
PBFS Forward outlook
There aren't enough analyst estimates for PBFS to show an outlook.
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 stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus PBFS down 28%.
PBFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2024 | $0.72 | -10% |
| Q2 2024 | $0.61 | -30% |
| Q1 2024 | $0.63 | -21% |
| Q4 2023 | $0.68 | +19% |
| Q3 2023 | $0.80 | +40% |
| Q2 2023 | $0.87 | +112% |
| Q1 2023 | $0.80 | +400% |
| Q4 2022 | $0.57 | +185% |
PBFS's earnings per share have fallen from their peak: $0.52 over the past year, against $0.87 in mid-2023.
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 PBFS 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 has the edge over PBFS on profitability, with a higher operating margin.
PBFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $29.1M | +21% |
| Q2 2026 | $28.3M | +16% |
| Q1 2026 | $24.6M | +7.9% |
| Q3 2025 | $24M | +9.1% |
| Q2 2025 | $24.4M | +17% |
| Q1 2025 | $22.8M | +5.8% |
| Q3 2024 | $22M | +13% |
| Q2 2024 | $20.9M | +7.9% |
PBFS's revenue has grown year over year for 10 quarters in a row: $29M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -23 points |
| Q2 2026 | 17% | -16 points |
| Q1 2026 | 23% | -9.3 points |
| Q4 2025 | 21% | N/A |
| Q3 2025 | 23% | -14 points |
| Q2 2025 | 33% | +9.3 points |
| Q1 2025 | 33% | +4.4 points |
| Q3 2024 | 37% | +15 points |
PBFS's operating margin was 0.2% last quarter, down 23 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'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.
PBFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $16.8M | +330% |
| Q2 2026 | $14.7M | +189% |
| Q1 2026 | -$161K | +$3.4M |
| Q3 2025 | $3.9M | +104% |
| Q2 2025 | $5.1M | -44% |
| Q1 2025 | -$3.5M | -207% |
| Q3 2024 | $1.9M | -85% |
| Q1 2024 | $3.3M | +42% |
PBFS 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 PBFS 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.
PBFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +7.3K shares |
| 1 year | -1% | -255K shares |
| 3 years | -3.3% | -831K shares |
| 5 years | -2.9% | -729K shares |
| Available history | -2.6% | -659K shares |
PBFS has 24M diluted shares, down 1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $417,000 |
| Q3 2025 | $6M |
| Q2 2025 | $3.3M |
| Q1 2025 | $1.6M |
| Q3 2024 | $1.2M |
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.
PBFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.1x | Net Cash |
| Q3 2024 | -3.0x | Net Cash |
| Q2 2024 | -1.7x | Net Cash |
| Q1 2024 | -1.7x | Net Cash |
| Q4 2023 | -1.3x | Net Cash |
PBFS 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).
PBFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.4 | Neutral |
| Stochastic | 45.8 | Neutral |
PBFS's weekly RSI is 62 (neutral) and its Stochastic is 46 (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 PBFS on valuation relative to its sector.
PBFS PE vs Financial Services Sector
| Metric | PBFS | Sector median | Relative |
|---|---|---|---|
| PE | 35x | 13x | 166% above |
| PE % | 67 | 63 | 4 pts above |
PBFS is trading at 35x earnings, a 166% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
PBFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.9 | 1.4% above |
| 20 week MA | $17.7 | 2.5% above |
| 50 week MA | $15.8 | 15% above |
| 100 week MA | $14.0 | 30% above |
| 200 week MA | $11.9 | 53% above |
PBFS 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.
PBFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $15.2 | $10.5 | -31% |
| 2021 | $10.5 | $11.9 | +14% |
| 2022 | $11.9 | $11.5 | -3.1% |
| 2023 | $11.5 | $10.0 | -13% |
| 2024 | $10.0 | $11.4 | +14% |
| 2025 | $11.4 | $13.9 | +22% |
| 2026 YTD | $13.9 | $18.2 | +31% |
PBFS has the edge over BAC on returns for 2026, with the stronger performance.