BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
PGC
Peapack-Gladstone Financial Corporation
PGC has the edge over BAC overall, supported by stronger fundamentals and stronger modeled upside.
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.
PGC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PGC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PGC.
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 PGC in the historical PE scenario, which offers more potential upside but is not a forecast.
PGC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $29.22 | -36% |
| Forward | 10x | $46.01 | — |
| Fair | 13x | $42.69 | -7.2% |
| Current | 14x | $46.01 | — |
| Expensive | 16x | $54.03 | +17% |
Historical ranges are pointers, not guarantees.
PGC's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
PGC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for PGC, 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 has the edge over PGC on earnings, with more consistent year-over-year improvement.
PGC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.50 | +35% |
| Q3 2026 | $3.34 | +72% |
| Q2 2026 | $2.89 | +58% |
| Q1 2026 | $2.48 | +38% |
| Q4 2025 | $2.11 | +14% |
| Q3 2025 | $1.94 | +7.2% |
| Q2 2025 | $1.83 | -2.1% |
| Q1 2025 | $1.80 | -17% |
| Q4 2024 | $1.85 | -32% |
PGC earned $3.34 per share over the past year, up 72% 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 PGC on profitability, with a higher operating margin.
PGC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $87.5M | +24% |
| Q2 2026 | $86.1M | +23% |
| Q1 2026 | $82.5M | +28% |
| Q4 2025 | $78.2M | +26% |
| Q3 2025 | $70.7M | +25% |
| Q2 2025 | $69.7M | +23% |
| Q1 2025 | $64.4M | +21% |
| Q4 2024 | $61.8M | +14% |
PGC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +8 points |
| Q2 2026 | 26% | +9.8 points |
| Q1 2026 | 24% | +7.7 points |
| Q4 2025 | 22% | +1.9 points |
| Q3 2025 | 19% | +0.3 points |
| Q2 2025 | 16% | -0.7 points |
| Q1 2025 | 16% | -7.1 points |
| Q4 2024 | 20% | -1.6 points |
PGC's operating margin was 27% last quarter, up 8 points from 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.
PGC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.2M | -118% |
| Q2 2026 | $48.6M | +389% |
| Q1 2026 | $23.3M | +$34.8M |
| Q4 2025 | -$3.6M | -116% |
| Q3 2025 | $34M | +48% |
| Q2 2025 | $9.9M | +$10.4M |
| Q1 2025 | -$11.5M | -164% |
| Q4 2024 | $22.4M | +6536% |
PGC 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 PGC 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.
PGC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.4% | +444K shares |
| 1 year | +7.8% | +1.4M shares |
| 3 years | +5.9% | +1.1M shares |
| 5 years | -1.1% | -204K shares |
| Available history | -1.8% | -342K shares |
PGC has 19M diluted shares, up 7.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | $2.7M |
| Q4 2024 | — |
| Q3 2024 | $2.6M |
| Q2 2024 | $2.2M |
| Q1 2024 | $2.4M |
| Q4 2023 | $2.1M |
| Q3 2023 | $2.8M |
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.
PGC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.1x | Elevated |
| Q2 2026 | 0.9x | Very low |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | 2.8x | Moderate |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.9x | Healthy |
| Q1 2025 | 1.9x | Healthy |
| Q4 2024 | 2.5x | Moderate |
PGC 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).
PGC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.0 | Neutral |
| Stochastic | 55.5 | Neutral |
PGC's weekly RSI is 61 (neutral) and its Stochastic is 56 (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 PGC on valuation relative to its sector.
PGC PE vs Financial Services Sector
| Metric | PGC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 5.8% above |
| PE % | 55 | 63 | 8 pts below |
PGC is trading at 14x earnings, in line with 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 |
BAC has fallen below most of its moving averages, though it's still 19% above its 200-week average.
PGC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $44.9 | 2.5% above |
| 20 week MA | $45.6 | 0.9% above |
| 50 week MA | $39.9 | 15% above |
| 100 week MA | $34.3 | 34% above |
| 200 week MA | $31.0 | 48% above |
PGC 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.
PGC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.0 | $22.6 | -27% |
| 2021 | $22.6 | $35.0 | +55% |
| 2022 | $35.0 | $37.1 | +5.9% |
| 2023 | $37.1 | $29.8 | -20% |
| 2024 | $29.8 | $32.1 | +7.8% |
| 2025 | $32.1 | $28.2 | -12% |
| 2026 YTD | $28.2 | $46.0 | +63% |
PGC has the edge over BAC on returns for 2026, with the stronger performance.