BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
RM
Regional Management Corp.
RM has the edge over BAC overall, supported by stronger valuation 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.
RM Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
RM's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RM.
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 RM in the historical PE scenario, which offers more potential upside but is not a forecast.
RM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.6x | $27.45 | -21% |
| Forward | 5.6x | $34.74 | — |
| Current | 7x | $34.74 | — |
| Fair | 8.4x | $41.46 | +19% |
| Expensive | 12x | $59.24 | +71% |
Historical ranges are pointers, not guarantees.
RM's PE is in its cheap range at 7.0x. If earnings grow as analysts expect, today's price would be 5.6x 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.
RM Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for RM, with profitability improving. However, they disagree widely on these estimates.
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's earnings per share have climbed steadily: $4.19 over the past year, up 14% from the year before, and higher year over year for eight quarters in a row.
RM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.23 | +26% |
| Q3 2026 | $4.94 | +20% |
| Q2 2026 | $4.75 | +38% |
| Q1 2026 | $4.93 | +50% |
| Q4 2025 | $4.45 | +7.5% |
| Q3 2025 | $4.11 | +71% |
| Q2 2025 | $3.45 | +35% |
| Q1 2025 | $3.28 | +41% |
| Q4 2024 | $4.14 | +149% |
RM has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 RM on sales, with stronger typical year-over-year growth.
| 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 RM on profitability, with a higher operating margin.
RM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $178.8M | +8% |
| Q2 2026 | $168M | +6.7% |
| Q1 2026 | $167.3M | +9.4% |
| Q4 2025 | $169.7M | +9.6% |
| Q3 2025 | $165.5M | +13% |
| Q2 2025 | $157.4M | +10% |
| Q1 2025 | $153M | +6% |
| Q4 2024 | $154.8M | +9.3% |
RM's revenue has grown year over year for 23 quarters in a row: $179M last quarter, up 8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -0.4 points |
| Q2 2026 | 6.3% | -2.3 points |
| Q1 2026 | 8.9% | +2.9 points |
| Q4 2025 | 9.5% | +1.3 points |
| Q3 2025 | 11% | +4.5 points |
| Q2 2025 | 8.6% | +0.7 points |
| Q1 2025 | 6% | -7.8 points |
| Q4 2024 | 8.2% | +15 points |
RM's operating margin was 11% last quarter, about level with 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.
RM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $81.7M | -4.6% |
| Q2 2026 | $79.3M | +2.1% |
| Q1 2026 | $79.9M | +28% |
| Q4 2025 | $78.6M | +26% |
| Q3 2025 | $85.7M | +16% |
| Q2 2025 | $77.6M | +10% |
| Q1 2025 | $62.4M | +8.6% |
| Q4 2024 | $62.3M | -5.3% |
RM 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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
RM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -242K shares |
| 1 year | -7.6% | -771K shares |
| 3 years | -3% | -288K shares |
| 5 years | -11% | -1.2M shares |
| Available history | -20% | -2.4M shares |
RM has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $10M |
| Q2 2026 | $5.1M |
| Q1 2026 | $7.5M |
| Q4 2025 | $7.5M |
| Q3 2025 | $5M |
| Q2 2025 | $5M |
| Q1 2025 | $6.5M |
| Q4 2022 | — |
RM spent $30M buying back its own shares over 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 has the edge over RM on leverage, with a lower net debt burden relative to earnings.
RM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 21.6x | High |
| Q2 2026 | 21.1x | High |
| Q1 2026 | 19.9x | High |
| Q4 2025 | 22.1x | High |
| Q3 2025 | 22.5x | High |
| Q2 2025 | 24.9x | High |
| Q1 2025 | 25.5x | High |
| Q4 2024 | 21.5x | High |
RM's net debt is more than 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like RM.
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).
RM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.6 | Neutral |
| Stochastic | 50.3 | Neutral |
RM's weekly RSI is 50 (neutral) and its Stochastic is 50 (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.
RM PE vs Financial Services Sector
| Metric | RM | Sector median | Relative |
|---|---|---|---|
| PE | 7x | 13x | 46% below |
| PE % | 28 | 63 | 35 pts below |
RM 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.
RM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $33.8 | 2.7% above |
| 20 week MA | $35.1 | 1.1% below |
| 50 week MA | $35.8 | 2.9% below |
| 100 week MA | $35.0 | 0.8% below |
| 200 week MA | $31.6 | 10% above |
RM 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 the edge over RM on returns for 2026, with the stronger performance.
RM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.6 | $28.6 | -3.4% |
| 2021 | $28.6 | $57.2 | +100% |
| 2022 | $57.2 | $27.7 | -52% |
| 2023 | $27.7 | $25.1 | -9.4% |
| 2024 | $25.1 | $33.7 | +34% |
| 2025 | $33.7 | $40.1 | +19% |
| 2026 YTD | $40.1 | $34.7 | -13% |
RM's yearly returns have swung widely, from +100% in 2021 to −52% in 2022. It's down 13% so far in 2026.