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.
PBHC
Pathfinder Bancorp, Inc.
There isn't enough reported data to score PBHC 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.
PBHC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PBHC's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBHC.
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.
PBHC PE Valuation
PBHC 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.
PBHC Forward outlook
There aren't enough analyst estimates for PBHC 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'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.
PBHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2021 | $1.24 | +28% |
| Q4 2020 | $1.17 | +46% |
| Q3 2020 | $1.20 | +71% |
PBHC has the edge over BAC in the latest year-over-year earnings comparison.
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.
PBHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $11.8M | -23% |
| Q4 2024 | $15.3M | +46% |
| Q4 2021 | $11.1M | +16% |
| Q1 2021 | $10.4M | +9.2% |
| Q4 2020 | $9.6M | +5.9% |
| Q3 2020 | $9.8M | +15% |
PBHC has the edge over BAC in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -72% | -110 points |
| Q4 2024 | 38% | +7.4 points |
| Q4 2023 | 30% | N/A |
| Q4 2021 | 45% | +24 points |
| Q1 2021 | 26% | +3.1 points |
| Q4 2020 | 20% | -4.6 points |
| Q3 2020 | 19% | +0.3 points |
| Q2 2020 | 25% | N/A |
PBHC's operating margin was −72% last quarter, down 98 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.
PBHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $2.4M | +$5.5M |
| Q4 2024 | -$3.1M | -138% |
| Q4 2021 | $4.3M | +172% |
| Q1 2021 | $2.9M | -92% |
| Q4 2020 | $1.6M | +78% |
| Q3 2020 | $3.8M | +31% |
PBHC has the edge over BAC in the latest year-over-year cash flow comparison.
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 PBHC 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.
PBHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +26.1K shares |
| 1 year | +6.8% | +303K shares |
PBHC has 5M diluted shares, up 6.8% 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.
PBHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2021 | 7.1x | High |
| Q4 2020 | 6.7x | High |
| Q3 2020 | 6.1x | High |
| Q2 2020 | 5.6x | High |
| Q1 2020 | 5.1x | High |
| Q4 2019 | 12.1x | High |
| Q3 2019 | 10.3x | High |
PBHC's net debt is about 7.1 years of its operating earnings (EBITDA), up from 5.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PBHC.
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).
PBHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.2 | Neutral |
| Stochastic | 47.9 | Neutral |
PBHC's weekly RSI is 55 (neutral) and its Stochastic is 48 (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.
PBHC PE vs Financial Services Sector
| Metric | PBHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PBHC 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 fallen below most of its moving averages, though it's still 19% above its 200-week average.
PBHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 1.5% below |
| 20 week MA | $16.6 | 0.4% above |
| 50 week MA | $15.0 | 11% above |
| 100 week MA | $15.3 | 9.1% above |
| 200 week MA | $15.0 | 12% above |
PBHC 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.
PBHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.4 | -18% |
| 2021 | $11.4 | $17.0 | +49% |
| 2022 | $17.0 | $18.5 | +8.8% |
| 2023 | $18.5 | $14.0 | -24% |
| 2024 | $14.0 | $17.6 | +25% |
| 2025 | $17.6 | $13.7 | -22% |
| 2026 YTD | $13.7 | $16.7 | +22% |
PBHC has the edge over BAC on returns for 2026, with the stronger performance.