BAC
Bank of America Corporation
BAC has a slight edge over QCRH overall, supported by stronger valuation and stronger modeled upside.
QCRH
QCR Holdings, Inc.
QCRH's outlook is improving, though it still trails on the overall score.
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.
QCRH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
QCRH'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 QCRH.
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 QCRH in the historical PE scenario, which offers more potential upside but is not a forecast.
QCRH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $69.92 | -32% |
| Fair | 10x | $85.51 | -17% |
| Expensive | 12x | $99.81 | -3.4% |
| Current | 12x | $103 | — |
| Forward | 12x | $103 | — |
Historical ranges are pointers, not guarantees.
QCRH's PE is in its expensive range at 12.2x. If earnings grow as analysts expect, today's price would be 11.6x 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.
QCRH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for QCRH, 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 QCRH on earnings, with more consistent year-over-year improvement.
QCRH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.94 | +5.3% |
| Q3 2026 | $8.49 | +19% |
| Q2 2026 | $8.44 | +27% |
| Q1 2026 | $7.96 | +20% |
| Q4 2025 | $7.49 | +12% |
| Q3 2025 | $7.16 | +3.9% |
| Q2 2025 | $6.64 | -1.5% |
| Q1 2025 | $6.65 | -0.9% |
| Q4 2024 | $6.71 | -0.3% |
QCRH earned $8.49 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 QCRH 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.
QCRH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $99.2M | -2.2% |
| Q2 2026 | $97.3M | +16% |
| Q1 2026 | $90.4M | +18% |
| Q4 2025 | $107M | +17% |
| Q3 2025 | $101.5M | +17% |
| Q2 2025 | $84.2M | -3.3% |
| Q1 2025 | $76.9M | -5.7% |
| Q4 2024 | $91.8M | -11% |
QCRH's revenue has picked up after two years of holding roughly level: $99M last quarter, down 2.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +0.4 points |
| Q2 2026 | 41% | +4.3 points |
| Q1 2026 | 40% | +5.7 points |
| Q4 2025 | 36% | 0 points |
| Q3 2025 | 40% | +5.6 points |
| Q2 2025 | 36% | -0.1 points |
| Q1 2025 | 34% | -0.3 points |
| Q4 2024 | 36% | +0.1 points |
QCRH 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.
QCRH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $11.9M | -63% |
| Q2 2026 | $458.1M | +1792% |
| Q1 2026 | -$7.9M | +$4.8M |
| Q4 2025 | $310.8M | +90% |
| Q3 2025 | $31.7M | -86% |
| Q2 2025 | $24.2M | +50% |
| Q1 2025 | -$12.7M | -$3.3M |
| Q4 2024 | $163.4M | -42% |
QCRH's free cash flow was $773M over the past year, about four times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like QCRH.
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 QCRH 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.
QCRH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -119K shares |
| 1 year | -3.3% | -565K shares |
| 3 years | -2.4% | -397K shares |
| 5 years | +3.7% | +581K shares |
| Available history | +3% | +483K shares |
QCRH has 16M diluted shares, down 3.3% 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.
QCRH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.5x | Healthy |
| Q2 2026 | 1.4x | Healthy |
| Q1 2026 | 1.7x | Healthy |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 2.0x | Moderate |
| Q2 2025 | 1.0x | Healthy |
| Q1 2025 | 1.0x | Healthy |
| Q4 2024 | 1.1x | Healthy |
QCRH 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).
QCRH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.2 | Neutral |
| Stochastic | 49.4 | Neutral |
QCRH's weekly RSI is 59 (neutral) and its Stochastic is 49 (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 QCRH on valuation relative to its sector.
QCRH PE vs Financial Services Sector
| Metric | QCRH | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.5% below |
| PE % | 91 | 63 | 28 pts above |
QCRH is trading at 12x 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.
QCRH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $100.9 | 2.5% above |
| 20 week MA | $101.0 | 2.4% above |
| 50 week MA | $93.7 | 10% above |
| 100 week MA | $83.6 | 24% above |
| 200 week MA | $70.6 | 46% above |
QCRH 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.
QCRH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.3 | $39.7 | -8.4% |
| 2021 | $39.7 | $55.3 | +39% |
| 2022 | $55.3 | $50.0 | -9.7% |
| 2023 | $50.0 | $58.4 | +17% |
| 2024 | $58.4 | $80.8 | +38% |
| 2025 | $80.8 | $84.8 | +4.9% |
| 2026 YTD | $84.8 | $103.4 | +22% |
QCRH has the edge over BAC on returns for 2026, with the stronger performance.