BAC
Bank of America Corporation
BAC has the edge over SBCF overall, supported by stronger fundamentals and stronger valuation.
SBCF
Seacoast Banking Corporation of Florida
SBCF'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.
SBCF Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SBCF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SBCF.
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 SBCF in the historical PE scenario, which offers more potential upside but is not a forecast.
SBCF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 13x | $33.58 | — |
| Cheap | 15x | $25.43 | -24% |
| Fair | 18x | $29.63 | -12% |
| Current | 20x | $33.58 | — |
| Expensive | 21x | $34.42 | +2.5% |
Historical ranges are pointers, not guarantees.
SBCF's PE is in its expensive range at 20x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
SBCF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SBCF, 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 SBCF on earnings, with more consistent year-over-year improvement.
SBCF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.66 | +59% |
| Q3 2026 | $1.67 | -0.6% |
| Q2 2026 | $1.54 | -4.9% |
| Q1 2026 | $1.49 | +0.7% |
| Q4 2025 | $1.57 | +11% |
| Q3 2025 | $1.68 | +23% |
| Q2 2025 | $1.62 | +17% |
| Q1 2025 | $1.48 | +6.5% |
| Q4 2024 | $1.42 | +15% |
SBCF earned $1.67 per share over the past year, about the same as 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.
SBCF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $215M | +37% |
| Q2 2026 | $208.2M | +38% |
| Q1 2026 | $163.9M | +16% |
| Q4 2025 | $203.3M | +53% |
| Q3 2025 | $157.3M | +21% |
| Q2 2025 | $151.4M | +20% |
| Q1 2025 | $140.7M | +12% |
| Q4 2024 | $132.9M | +3.7% |
SBCF has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +5.2 points |
| Q2 2026 | 37% | 0 points |
| Q1 2026 | 25% | -4.1 points |
| Q4 2025 | 21% | -11 points |
| Q3 2025 | 30% | -0.3 points |
| Q2 2025 | 37% | +5.6 points |
| Q1 2025 | 29% | +2.1 points |
| Q4 2024 | 33% | +3.3 points |
SBCF 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.
SBCF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $138.6M | +359% |
| Q2 2026 | $61.7M | -15% |
| Q1 2026 | $71.8M | +132% |
| Q4 2025 | $54.5M | +21% |
| Q3 2025 | $30.2M | -43% |
| Q2 2025 | $72.3M | +27% |
| Q1 2025 | $31M | +26% |
| Q4 2024 | $45M | +51% |
SBCF 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 SBCF 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.
SBCF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -13K shares |
| 1 year | +11% | +9.8M shares |
| 3 years | +14% | +11.6M shares |
| 5 years | +74% | +41.3M shares |
| Available history | +87% | +45.2M shares |
SBCF has 97M diluted shares, up 11% from a year ago, despite $39M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6M |
| Q2 2026 | $23.3M |
| Q1 2026 | $10M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $10.8M |
SBCF spent $39M 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'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.
SBCF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -3.0x | Net Cash |
| Q4 2025 | -1.2x | Net Cash |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -1.1x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | -2.0x | Net Cash |
SBCF 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).
SBCF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.1 | Neutral |
| Stochastic | 44.7 | Neutral |
SBCF's weekly RSI is 53 (neutral) and its Stochastic is 45 (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 SBCF on valuation relative to its sector.
SBCF PE vs Financial Services Sector
| Metric | SBCF | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 54% above |
| PE % | 79 | 63 | 16 pts above |
SBCF is trading at 20x earnings, a 54% premium to 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.
SBCF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $33.0 | 1.9% above |
| 20 week MA | $33.7 | 0.4% below |
| 50 week MA | $32.5 | 3.2% above |
| 100 week MA | $30.2 | 11% above |
| 200 week MA | $27.6 | 22% above |
SBCF 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.
SBCF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.3 | $29.4 | -3.1% |
| 2021 | $29.4 | $34.5 | +18% |
| 2022 | $34.5 | $31.6 | -8.5% |
| 2023 | $31.6 | $28.5 | -9.9% |
| 2024 | $28.5 | $27.3 | -4.2% |
| 2025 | $27.3 | $32.3 | +18% |
| 2026 YTD | $32.3 | $33.6 | +4% |
SBCF has the edge over BAC on returns for 2026, with the stronger performance.