BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
RPC
Ridgepost Capital, Inc.
RPC has a slight 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.
RPC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
RPC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like RPC.
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.
RPC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.8x | $9.52 | — |
| Current | 31x | $9.52 | — |
| Cheap | 35x | $10.72 | +13% |
| Fair | 39x | $12.22 | +28% |
| Expensive | 47x | $14.58 | +53% |
Historical ranges are pointers, not guarantees.
RPC 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 |
BAC has the edge over RPC on the outlook, with more favorable profitability expectations.
RPC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RPC, but weaker profitability.
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.
RPC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.08 | +248% |
| Q3 2026 | $0.31 | +121% |
| Q2 2026 | $0.24 | +85% |
| Q1 2026 | $0.21 | +31% |
| Q4 2025 | $0.17 | +6.3% |
| Q3 2025 | $0.14 | +56% |
| Q2 2025 | $0.13 | +1200% |
| Q1 2025 | $0.16 | +$0.19 |
| Q4 2024 | $0.16 | +$0.22 |
RPC's earnings per share have climbed steadily: $0.31 over the past year, up 121% from the year before, and higher year over year for eight quarters in a row.
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 RPC 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 has the edge over RPC on profitability, with a higher operating margin.
RPC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $88.9M | +17% |
| Q2 2026 | $80.9M | +11% |
| Q1 2026 | $75M | +11% |
| Q4 2025 | $81M | -4.7% |
| Q3 2025 | $75.9M | +2.3% |
| Q2 2025 | $72.7M | +2.3% |
| Q1 2025 | $67.7M | +2.3% |
| Q4 2024 | $85M | +35% |
RPC's revenue is growing: $89M last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 29% | +15 points |
| Q2 2026 | 22% | -2.5 points |
| Q1 2026 | 26% | +9.6 points |
| Q4 2025 | 32% | +5.1 points |
| Q3 2025 | 14% | +2.2 points |
| Q2 2025 | 24% | +0.7 points |
| Q1 2025 | 17% | -1.7 points |
| Q4 2024 | 27% | +18 points |
RPC's operating margin was 29% last quarter, up 15 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.
RPC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.6M | +$43.1M |
| Q2 2026 | $24.2M | +109% |
| Q1 2026 | $16.7M | +$22.7M |
| Q4 2025 | $22.1M | -18% |
| Q3 2025 | -$9.5M | -138% |
| Q2 2025 | $11.6M | -66% |
| Q1 2025 | -$6M | -156% |
| Q4 2024 | $26.8M | +1458% |
RPC's free cash flow was $97M 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 RPC.
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 RPC 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.
RPC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.3% | -5.1M shares |
| 1 year | -2.9% | -3.4M shares |
| 3 years | -1.6% | -1.8M shares |
| 5 years | +74% | +48.7M shares |
RPC has 114M diluted shares, down 2.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2023 | — |
| Q1 2023 | $851,000 |
| Q2 2021 | $1.2B |
| Q1 2021 | $868M |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
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.
RPC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.9x | Elevated |
| Q2 2026 | 4.6x | High |
| Q1 2026 | 3.5x | Elevated |
| Q4 2025 | 3.8x | Elevated |
| Q3 2025 | 4.0x | High |
| Q2 2025 | 3.9x | Elevated |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | 2.9x | Moderate |
RPC 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).
RPC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.6 | Neutral |
| Stochastic | 85.1 | Overbought |
RPC's weekly RSI is 62 (neutral) and its Stochastic is 85 (overbought).
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 RPC on valuation relative to its sector.
RPC PE vs Financial Services Sector
| Metric | RPC | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 13x | 136% above |
| PE % | 0 | 64 | 64 pts below |
RPC is trading at 31x earnings, a 136% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
RPC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.56 | 11% above |
| 20 week MA | $8.48 | 12% above |
| 50 week MA | $8.61 | 11% above |
| 100 week MA | $10.1 | 5.3% below |
| 200 week MA | $10.1 | 5.7% below |
RPC 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.
RPC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $12.0 | $12.6 | +5% |
| 2022 | $12.6 | $9.76 | -23% |
| 2023 | $9.76 | $10.2 | +4.7% |
| 2024 | $10.2 | $12.6 | +23% |
| 2025 | $12.6 | $10.1 | -20% |
| 2026 YTD | $10.1 | $9.52 | -5.6% |
RPC has the edge over BAC on returns for 2026, with the stronger performance.