BAC
Bank of America Corporation
BAC has the edge over SBFG overall, supported by stronger valuation and stronger modeled upside.
SBFG
SB Financial Group, Inc.
SBFG trails on the overall score without a compensating advantage in the available component scores.
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.
SBFG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SBFG'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 SBFG.
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 SBFG in the historical PE scenario, which offers more potential upside but is not a forecast.
SBFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $19.93 | -32% |
| Fair | 9.2x | $24.55 | -16% |
| Expensive | 11x | $30.03 | +2.8% |
| Current | 11x | $29.21 | — |
| Forward | 11x | $29.21 | — |
Historical ranges are pointers, not guarantees.
SBFG's PE is in its expensive range at 11.0x. On analysts' estimates for next year's earnings, today's price would be 11.1x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over SBFG on the outlook, with more favorable valuation and earnings expectations.
SBFG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect SBFG's revenue to grow, but its profitability to weaken.
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.
SBFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.62 | -1.5% |
| Q3 2026 | $2.66 | +25% |
| Q2 2026 | $2.67 | +46% |
| Q1 2026 | $2.55 | +50% |
| Q4 2025 | $2.19 | +27% |
| Q3 2025 | $2.12 | +22% |
| Q2 2025 | $1.83 | +2.8% |
| Q1 2025 | $1.70 | -2.9% |
| Q4 2024 | $1.72 | -1.7% |
SBFG earned $2.66 per share over the past year, up 25% 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 has the edge over SBFG on profitability, with a higher operating margin.
SBFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.1M | +9% |
| Q2 2026 | $17.9M | +4.5% |
| Q1 2026 | $17.4M | +13% |
| Q4 2025 | $16.4M | +6.3% |
| Q3 2025 | $16.6M | +16% |
| Q2 2025 | $17.2M | +22% |
| Q1 2025 | $15.4M | +17% |
| Q4 2024 | $15.5M | +2.2% |
SBFG has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | -3.4 points |
| Q2 2026 | 31% | +3.2 points |
| Q1 2026 | 30% | +14 points |
| Q4 2025 | 30% | +1.1 points |
| Q3 2025 | 30% | +8.2 points |
| Q2 2025 | 28% | +3.5 points |
| Q1 2025 | 17% | -4.9 points |
| Q4 2024 | 29% | -2.6 points |
SBFG's operating margin was 27% last quarter, down 3.4 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.
SBFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.5M | -31% |
| Q2 2026 | $6.5M | +$10.6M |
| Q1 2026 | -$3.2M | -156% |
| Q4 2025 | $7.6M | +33% |
| Q3 2025 | $12.2M | +279% |
| Q2 2025 | -$4.2M | -$3.3M |
| Q1 2025 | $5.8M | +3779% |
| Q4 2024 | $5.7M | -14% |
SBFG's free cash flow was $19M over the past year, down 1.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SBFG.
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 SBFG 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.
SBFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -2K shares |
| 1 year | -1.5% | -93K shares |
| 3 years | -9.6% | -660K shares |
| 5 years | -19% | -1.5M shares |
| Available history | -24% | -1.9M shares |
SBFG has 6M diluted shares, down 1.5% from a year ago, with $2M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $194,000 |
| Q2 2026 | $626,000 |
| Q1 2026 | $676,000 |
| Q4 2025 | $649,000 |
| Q3 2025 | $2M |
| Q2 2025 | $2.3M |
| Q1 2025 | $712,000 |
| Q4 2024 | $2.7M |
SBFG spent $2M buying back its own shares over the past year, down 72% from the year before.
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 SBFG on leverage, with a lower net debt burden relative to earnings.
SBFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.1x | High |
| Q2 2026 | 11.1x | High |
| Q1 2026 | 12.3x | High |
| Q4 2025 | 27.7x | High |
| Q3 2025 | 15.5x | High |
| Q2 2025 | 18.2x | High |
| Q1 2025 | 18.0x | High |
| Q4 2024 | 0.3x | Very low |
SBFG's net debt is about 13 years of its operating earnings (EBITDA), down from 15 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SBFG.
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).
SBFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.5 | Neutral |
| Stochastic | 60.0 | Neutral |
SBFG's weekly RSI is 60 (neutral) and its Stochastic is 60 (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.
SBFG PE vs Financial Services Sector
| Metric | SBFG | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 79 | 63 | 16 pts above |
SBFG 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.
SBFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 1.3% below |
| 20 week MA | $28.2 | 3.5% above |
| 50 week MA | $24.4 | 20% above |
| 100 week MA | $22.3 | 31% above |
| 200 week MA | $18.7 | 56% above |
SBFG 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.
SBFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.7 | $17.1 | -8.4% |
| 2021 | $17.1 | $18.1 | +5.6% |
| 2022 | $18.1 | $16.5 | -8.6% |
| 2023 | $16.5 | $15.4 | -7% |
| 2024 | $15.4 | $21.5 | +40% |
| 2025 | $21.5 | $21.9 | +1.9% |
| 2026 YTD | $21.9 | $29.2 | +33% |
SBFG has the edge over BAC on returns for 2026, with the stronger performance.