BAC
Bank of America Corporation
BAC has a slight edge over PEBO overall, supported by stronger valuation and stronger fundamentals.
PEBO
Peoples Bancorp Inc.
PEBO 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.
PEBO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PEBO's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PEBO.
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 PEBO in the historical PE scenario, which offers more potential upside but is not a forecast.
PEBO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $28.05 | -27% |
| Forward | 9.8x | $38.27 | — |
| Fair | 11x | $36.08 | -5.7% |
| Current | 11x | $38.27 | — |
| Expensive | 13x | $44.53 | +16% |
Historical ranges are pointers, not guarantees.
PEBO's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over PEBO on the outlook, with more favorable profitability expectations.
PEBO Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for PEBO, but weaker profitability.
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 PEBO on earnings, with more consistent year-over-year improvement.
PEBO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.89 | +15% |
| Q3 2026 | $3.39 | +19% |
| Q2 2026 | $3.31 | +13% |
| Q1 2026 | $3.12 | -1% |
| Q4 2025 | $2.99 | -9.7% |
| Q3 2025 | $2.86 | -19% |
| Q2 2025 | $2.92 | -17% |
| Q1 2025 | $3.15 | -5.7% |
| Q4 2024 | $3.31 | -3.8% |
PEBO earned $3.39 per share over the past year, up 19% 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 PEBO 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.
PEBO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $119.5M | +3.7% |
| Q2 2026 | $113.1M | -1.2% |
| Q1 2026 | $118.7M | +5.6% |
| Q4 2025 | $117.3M | +5.1% |
| Q3 2025 | $115.2M | +1.3% |
| Q2 2025 | $114.5M | +3.8% |
| Q1 2025 | $112.4M | -0.1% |
| Q4 2024 | $111.6M | -0.8% |
PEBO's revenue grew through 2024 and has held roughly level since: $119M last quarter, up 3.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +1.6 points |
| Q2 2026 | 32% | +7.5 points |
| Q1 2026 | 31% | +3.5 points |
| Q4 2025 | 32% | +1.1 points |
| Q3 2025 | 33% | -3 points |
| Q2 2025 | 24% | -8.5 points |
| Q1 2025 | 28% | -5.7 points |
| Q4 2024 | 31% | -7.5 points |
PEBO 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'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.
PEBO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.1M | +270% |
| Q2 2026 | $55.2M | +12% |
| Q1 2026 | $33.3M | +5.6% |
| Q4 2025 | $35.2M | -11% |
| Q3 2025 | $12.7M | -62% |
| Q2 2025 | $49.2M | +63% |
| Q1 2025 | $31.5M | -4.9% |
| Q4 2024 | $39.8M | +43% |
PEBO 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 PEBO 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.
PEBO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +95.9K shares |
| 1 year | +0.7% | +264K shares |
| 3 years | +1.7% | +601K shares |
| 5 years | +83% | +16.2M shares |
| Available history | +73% | +15.1M shares |
PEBO has 36M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $383,000 |
| Q3 2025 | — |
| Q2 2025 | $455,000 |
| Q1 2025 | — |
| Q4 2024 | — |
PEBO has spent almost nothing on buybacks in the past year.
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.
PEBO Net Leverage
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).
PEBO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.3 | Neutral |
| Stochastic | 47.2 | Neutral |
PEBO's weekly RSI is 53 (neutral) and its Stochastic is 47 (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.
PEBO PE vs Financial Services Sector
| Metric | PEBO | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 59 | 63 | 4 pts below |
PEBO 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.
PEBO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.9 | 1.1% above |
| 20 week MA | $39.1 | 2.2% below |
| 50 week MA | $35.5 | 7.7% above |
| 100 week MA | $32.8 | 17% above |
| 200 week MA | $31.0 | 24% above |
PEBO 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.
PEBO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $34.7 | $27.0 | -22% |
| 2021 | $27.0 | $31.4 | +16% |
| 2022 | $31.4 | $28.5 | -9.1% |
| 2023 | $28.5 | $33.8 | +18% |
| 2024 | $33.8 | $31.9 | -5.5% |
| 2025 | $31.9 | $30.5 | -4.3% |
| 2026 YTD | $30.5 | $38.3 | +25% |
PEBO has the edge over BAC on returns for 2026, with the stronger performance.