BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
RNST
Renasant Corporation
RNST has the edge over BAC overall, supported by stronger fundamentals.
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.
RNST Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RNST'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 RNST.
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.
RNST PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $36.94 | -7.4% |
| Current | 11x | $39.91 | — |
| Forward | 11x | $39.91 | — |
| Fair | 12x | $43.25 | +8.4% |
| Expensive | 17x | $60.97 | +53% |
Historical ranges are pointers, not guarantees.
RNST has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
RNST Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RNST, 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 RNST on earnings, with more consistent year-over-year improvement.
RNST Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.73 | +6.1% |
| Q3 2026 | $3.52 | +77% |
| Q2 2026 | $3.29 | +30% |
| Q1 2026 | $2.36 | -27% |
| Q4 2025 | $2.07 | -37% |
| Q3 2025 | $1.99 | -35% |
| Q2 2025 | $2.54 | -3.1% |
| Q1 2025 | $3.22 | +32% |
| Q4 2024 | $3.27 | +28% |
RNST earned $3.52 per share over the past year, up 77% 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
RNST Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $273M | +1.3% |
| Q2 2026 | $273.9M | +2.5% |
| Q1 2026 | $273.8M | +60% |
| Q4 2025 | $278.5M | +67% |
| Q3 2025 | $269.5M | +22% |
| Q2 2025 | $267.2M | +63% |
| Q1 2025 | $170.7M | +3.6% |
| Q4 2024 | $167.1M | +14% |
RNST has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +8.5 points |
| Q2 2026 | 40% | +39 points |
| Q1 2026 | 40% | +9.9 points |
| Q4 2025 | 35% | +5 points |
| Q3 2025 | 28% | -16 points |
| Q2 2025 | 1% | -29 points |
| Q1 2025 | 30% | +0.5 points |
| Q4 2024 | 30% | +8 points |
RNST 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.
RNST Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $161.9M | +35% |
| Q2 2026 | $76.4M | +$163.9M |
| Q1 2026 | $93.7M | -7.5% |
| Q4 2025 | $103.8M | +17% |
| Q3 2025 | $120.1M | +578% |
| Q2 2025 | -$87.5M | -$34.9M |
| Q1 2025 | $101.3M | +64% |
| Q4 2024 | $88.9M | -6.7% |
RNST 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 RNST 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.
RNST Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -663K shares |
| 1 year | -3.9% | -3.7M shares |
| 3 years | +62% | +35M shares |
| 5 years | +62% | +35.1M shares |
| Available history | +57% | +33.3M shares |
RNST has 92M diluted shares, down 3.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $43.1M |
| Q2 2026 | $60.5M |
| Q1 2026 | $75.8M |
| Q4 2022 | — |
| Q4 2021 | $1,000 |
| Q3 2021 | $21.3M |
| Q2 2021 | — |
| Q1 2021 | — |
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.
RNST Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.4x | Very low |
| Q2 2025 | -1.8x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | -2.0x | Net Cash |
RNST 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).
RNST Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.3 | Neutral |
| Stochastic | 34.4 | Neutral |
RNST's weekly RSI is 47 (neutral) and its Stochastic is 34 (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.
RNST PE vs Financial Services Sector
| Metric | RNST | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 31 | 63 | 32 pts below |
RNST 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.
RNST Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $40.0 | 0.2% below |
| 20 week MA | $41.4 | 3.6% below |
| 50 week MA | $39.7 | 0.4% above |
| 100 week MA | $37.7 | 6% above |
| 200 week MA | $34.3 | 16% above |
RNST 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.
RNST Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.6 | $33.3 | -6.6% |
| 2021 | $33.3 | $37.6 | +13% |
| 2022 | $37.6 | $38.2 | +1.8% |
| 2023 | $38.2 | $33.7 | -12% |
| 2024 | $33.7 | $35.8 | +6.3% |
| 2025 | $35.8 | $36.2 | +1% |
| 2026 YTD | $36.2 | $39.9 | +10% |
RNST has the edge over BAC on returns for 2026, with the stronger performance.