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.
PNBK
Patriot National Bancorp, Inc.
There isn't enough reported data to score PNBK 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.
PNBK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Under pressure | |
| N/A | |
| N/A |
PNBK's revenue is currently strong, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like PNBK.
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.
PNBK PE Valuation
PNBK 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.
PNBK Forward outlook
There aren't enough analyst estimates for PNBK 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 PNBK down 137%.
PNBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2025 | -$2.70 | +$4.69 |
| Q2 2025 | -$9.45 | -$7.89 |
| Q1 2025 | -$10.16 | -$9.21 |
| Q4 2024 | -$10.03 | -$8.98 |
| Q3 2024 | -$7.39 | -$6.54 |
| Q2 2024 | -$1.56 | -326% |
| Q1 2024 | -$0.95 | -181% |
| Q4 2023 | -$1.05 | -168% |
PNBK lost $2.70 per share over the past year, a smaller loss than 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 PNBK on profitability, with a higher operating margin.
PNBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.7M | +131% |
| Q2 2026 | $12M | +94% |
| Q1 2026 | $10.3M | +54% |
| Q4 2025 | $9.5M | +44% |
| Q3 2025 | $7.2M | +1.4% |
| Q2 2025 | $6.2M | -12% |
| Q1 2025 | $6.7M | -13% |
| Q4 2024 | $6.6M | -30% |
PNBK's revenue has grown year over year for five quarters in a row: $17M last quarter, up 131% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.1% | +43 points |
| Q2 2026 | -11% | +70 points |
| Q1 2026 | -17% | +25 points |
| Q4 2025 | -23% | +122 points |
| Q3 2025 | -37% | -4.5 points |
| Q2 2025 | -81% | -25 points |
| Q1 2025 | -42% | -39 points |
| Q4 2024 | -145% | -159 points |
PNBK's operating margin was 6.1% last quarter, up 43 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 has the edge over PNBK on cash generation, producing positive trailing cash flow while its opponent burns cash.
PNBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$5.6M | -$387K |
| Q2 2026 | -$5.7M | -717% |
| Q1 2026 | -$3.5M | +$2.4M |
| Q4 2025 | -$4.1M | -$1.6M |
| Q3 2025 | -$5.3M | -$2.6M |
| Q2 2025 | $918K | -85% |
| Q1 2025 | -$5.9M | -435% |
| Q4 2024 | -$2.5M | -$2.3M |
PNBK's free cash flow was −$19M over the past year, against −$13M the year before. Free cash flow isn't a meaningful measure for financial services companies like PNBK.
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 PNBK 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.
PNBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.4% | +1.6M shares |
| 1 year | +52% | +41M shares |
| 3 years | +2904% | +115M shares |
| 5 years | +2910% | +115M shares |
| Available history | +2937% | +115M shares |
PNBK has 119M diluted shares, up 52% 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.
PNBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2023 | -11.2x | Net Cash |
| Q1 2023 | -5.6x | Net Cash |
| Q4 2022 | 8.5x | High |
| Q3 2022 | -1.3x | Net Cash |
| Q2 2022 | -2.3x | Net Cash |
| Q1 2022 | -3.5x | Net Cash |
| Q4 2021 | 11.3x | High |
| Q3 2021 | -4.9x | Net Cash |
PNBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PNBK.
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).
PNBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.3 | Neutral |
| Stochastic | 11.6 | Oversold |
PNBK's weekly RSI is 39 (neutral) and its Stochastic is 12 (oversold).
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.
PNBK PE vs Financial Services Sector
| Metric | PNBK | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PNBK 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 the edge over PNBK on trend strength, trading above more of its moving averages.
PNBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.88 | 1.1% below |
| 20 week MA | $1.02 | 15% below |
| 50 week MA | $1.21 | 28% below |
| 100 week MA | $1.50 | 42% below |
| 200 week MA | $3.42 | 75% below |
PNBK is in a downtrend: it's below all five of its weekly moving averages, and 75% below its 200-week average.
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 the edge over PNBK on returns for 2026, with the stronger performance.
PNBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.7 | $9.66 | -24% |
| 2021 | $9.66 | $14.9 | +54% |
| 2022 | $14.9 | $10.9 | -27% |
| 2023 | $10.9 | $3.83 | -65% |
| 2024 | $3.83 | $1.94 | -49% |
| 2025 | $1.94 | $1.77 | -8.8% |
| 2026 YTD | $1.77 | $0.87 | -51% |
PNBK has finished four years in a row lower, and it's down 51% so far in 2026.