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.
PEBK
Peoples Bancorp of North Carolina, Inc.
There isn't enough reported data to score PEBK 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.
PEBK Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
PEBK's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like PEBK.
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 PEBK in the historical PE scenario, which offers more potential upside but is not a forecast.
PEBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $35.15 | -19% |
| Fair | 11x | $42.42 | -2.1% |
| Current | 11x | $43.35 | — |
| Expensive | 12x | $47.33 | +9.2% |
Historical ranges are pointers, not guarantees.
PEBK's PE is 11x, 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.
PEBK Forward outlook
There aren't enough analyst estimates for PEBK 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 edge over PEBK on earnings, with stronger typical year-over-year growth.
PEBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $4.02 | +31% |
| Q2 2026 | $3.64 | +17% |
| Q1 2026 | $3.63 | +19% |
| Q4 2025 | $3.62 | +21% |
| Q3 2025 | $3.06 | +3.7% |
| Q2 2025 | $3.11 | +4.7% |
| Q1 2025 | $3.05 | +4.1% |
| Q4 2024 | $2.98 | +7.6% |
PEBK's earnings per share have climbed steadily: $4.02 over the past year, up 31% from the year before, and higher year over year for nine quarters in a row.
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 PEBK 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.
PEBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.4M | -18% |
| Q2 2026 | $23.1M | -19% |
| Q1 2026 | $21.6M | -19% |
| Q4 2025 | $31.2M | +14% |
| Q3 2025 | $28.5M | +3.5% |
| Q2 2025 | $28.4M | +3% |
| Q1 2025 | $26.5M | +2.5% |
| Q4 2024 | $27.4M | +42% |
PEBK's revenue is shrinking: $23M last quarter, down 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | +15 points |
| Q2 2026 | 29% | +5.7 points |
| Q1 2026 | 26% | +4.9 points |
| Q4 2025 | 28% | +11 points |
| Q3 2025 | 17% | -2.5 points |
| Q2 2025 | 23% | +0.7 points |
| Q1 2025 | 21% | +2.9 points |
| Q4 2024 | 17% | -6.1 points |
PEBK 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 PEBK on cash flow, with more consistent year-over-year improvement.
PEBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.4M | +92% |
| Q2 2026 | $6M | +13% |
| Q1 2026 | $4.6M | -11% |
| Q4 2025 | $5.1M | -1.3% |
| Q3 2025 | $4.4M | -7.7% |
| Q2 2025 | $5.4M | -18% |
| Q1 2025 | $5.2M | +46% |
| Q4 2024 | $5.1M | -3.1% |
PEBK's free cash flow was $24M over the past year, up 20% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PEBK.
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 PEBK 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.
PEBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -3.8K shares |
| 1 year | 0% | +271 shares |
| 3 years | -3% | -169K shares |
PEBK has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | $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.
PEBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -1.6x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -1.5x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
PEBK 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).
PEBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.0 | Neutral |
| Stochastic | 41.0 | Neutral |
PEBK's weekly RSI is 53 (neutral) and its Stochastic is 41 (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.
PEBK PE vs Financial Services Sector
| Metric | PEBK | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 57 | 63 | 6 pts below |
PEBK 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.
PEBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.5 | 0.3% below |
| 20 week MA | $43.5 | 0.3% below |
| 50 week MA | $40.9 | 6% above |
| 100 week MA | $35.0 | 24% above |
| 200 week MA | $30.9 | 40% above |
PEBK 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.
PEBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.3 | $25.3 | -22% |
| 2021 | $25.3 | $27.5 | +8.8% |
| 2022 | $27.5 | $32.2 | +17% |
| 2023 | $32.2 | $30.9 | -3.8% |
| 2024 | $30.9 | $31.6 | +2.2% |
| 2025 | $31.6 | $37.0 | +17% |
| 2026 YTD | $37.0 | $43.4 | +17% |
PEBK has the edge over BAC on returns for 2026, with the stronger performance.