BAC
Bank of America Corporation
BAC has the edge over SFBC overall, supported by stronger modeled upside and stronger valuation.
SFBC
Sound Financial Bancorp, Inc.
SFBC 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.
SFBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SFBC'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 SFBC.
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 SFBC in the historical PE scenario, which offers more potential upside but is not a forecast.
SFBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $35.44 | -22% |
| Fair | 13x | $45.21 | -0.6% |
| Current | 14x | $45.50 | — |
| Expensive | 19x | $63.24 | +39% |
Historical ranges are pointers, not guarantees.
SFBC's PE is in its fair range at 14x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
SFBC Forward outlook
There aren't enough analyst estimates for SFBC to show an outlook.
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.
SFBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.36 | +27% |
| Q2 2026 | $3.12 | +28% |
| Q1 2026 | $2.93 | +50% |
| Q4 2025 | $2.77 | +54% |
| Q3 2025 | $2.64 | +73% |
| Q2 2025 | $2.43 | +59% |
| Q1 2025 | $1.95 | -16% |
| Q4 2024 | $1.80 | -37% |
SFBC earned $3.36 per share over the past year, up 27% 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 has the edge over SFBC 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 SFBC on profitability, with a higher operating margin.
SFBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +8.2% |
| Q2 2026 | $11M | +6.2% |
| Q1 2026 | $10M | +8.6% |
| Q4 2025 | $9.5M | +1.6% |
| Q3 2025 | $9.8M | +7.8% |
| Q2 2025 | $10.4M | +20% |
| Q1 2025 | $9.2M | +7.2% |
| Q4 2024 | $9.4M | +8.7% |
SFBC's revenue has grown year over year for eight quarters in a row: $11M last quarter, up 8.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +6.1 points |
| Q2 2026 | 28% | +3.8 points |
| Q1 2026 | 20% | +3.8 points |
| Q4 2025 | 27% | +2.5 points |
| Q3 2025 | 21% | +5.7 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 16% | +5 points |
| Q4 2024 | 25% | +9 points |
SFBC's operating margin was 27% last quarter, up 6.1 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.
SFBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.4M | +44% |
| Q2 2026 | $166K | +$684K |
| Q1 2026 | $1.5M | -19% |
| Q4 2025 | $1.9M | +1424% |
| Q3 2025 | $3.8M | +16% |
| Q2 2025 | -$518K | +$1.9M |
| Q1 2025 | $1.8M | -4.3% |
| Q4 2024 | $127K | -93% |
SFBC 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 SFBC 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.
SFBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +5.9K shares |
| 1 year | +0.2% | +4.9K shares |
| 3 years | +0.3% | +8.7K shares |
| 5 years | -2% | -52.9K shares |
| Available history | -0.1% | -2.8K shares |
SFBC has 3M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $1,000 |
| Q2 2024 | $59,000 |
| Q1 2024 | $5,000 |
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.
SFBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -9.7x | Net Cash |
| Q2 2026 | -11.0x | Net Cash |
| Q1 2026 | -12.5x | Net Cash |
| Q4 2025 | -13.2x | Net Cash |
| Q3 2025 | -7.2x | Net Cash |
| Q2 2025 | -8.0x | Net Cash |
| Q1 2025 | -14.0x | Net Cash |
| Q4 2024 | -1.1x | Net Cash |
SFBC 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).
SFBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.5 | Neutral |
| Stochastic | 40.7 | Neutral |
SFBC's weekly RSI is 51 (neutral) and its Stochastic is 41 (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 SFBC on valuation relative to its sector.
SFBC PE vs Financial Services Sector
| Metric | SFBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 4% above |
| PE % | 51 | 63 | 12 pts below |
SFBC is trading at 14x earnings, in line with 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.
SFBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $44.4 | 2.6% above |
| 20 week MA | $45.7 | 0.5% below |
| 50 week MA | $44.2 | 3% above |
| 100 week MA | $46.5 | 2.1% below |
| 200 week MA | $43.9 | 3.6% above |
SFBC 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.
SFBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.0 | $31.1 | -14% |
| 2021 | $31.1 | $44.8 | +44% |
| 2022 | $44.8 | $39.5 | -12% |
| 2023 | $39.5 | $39.0 | -1.3% |
| 2024 | $39.0 | $52.6 | +35% |
| 2025 | $52.6 | $43.6 | -17% |
| 2026 YTD | $43.6 | $45.5 | +4.3% |
SFBC has the edge over BAC on returns for 2026, with the stronger performance.