BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
SFST
Southern First Bancshares, Inc.
SFST 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.
SFST Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
SFST's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SFST.
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 SFST in the historical PE scenario, which offers more potential upside but is not a forecast.
SFST PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $43.19 | -29% |
| Forward | 11x | $60.71 | — |
| Current | 12x | $60.71 | — |
| Fair | 14x | $65.66 | +8.2% |
| Expensive | 18x | $86.62 | +43% |
Historical ranges are pointers, not guarantees.
SFST's PE is 12x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
SFST Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for SFST, 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'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.
SFST Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.73 | +18% |
| Q3 2026 | $4.86 | +51% |
| Q2 2026 | $4.65 | +73% |
| Q1 2026 | $4.26 | +89% |
| Q4 2025 | $3.72 | +95% |
| Q3 2025 | $3.22 | +86% |
| Q2 2025 | $2.69 | +58% |
| Q1 2025 | $2.25 | +37% |
| Q4 2024 | $1.91 | +15% |
SFST has the edge over BAC on earnings, with stronger typical year-over-year growth.
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.
SFST Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $37.5M | +21% |
| Q2 2026 | $35.9M | +25% |
| Q1 2026 | $33.8M | +28% |
| Q4 2025 | $31.8M | +26% |
| Q3 2025 | $31.1M | +31% |
| Q2 2025 | $28.6M | +24% |
| Q1 2025 | $26.5M | +24% |
| Q4 2024 | $25.2M | +18% |
SFST has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +5.8 points |
| Q2 2026 | 40% | +10 points |
| Q1 2026 | 37% | +11 points |
| Q4 2025 | 40% | +13 points |
| Q3 2025 | 36% | +12 points |
| Q2 2025 | 30% | +13 points |
| Q1 2025 | 26% | +10 points |
| Q4 2024 | 27% | +2.4 points |
SFST 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.
SFST Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.4M | +42% |
| Q2 2026 | $16.7M | +61% |
| Q1 2026 | $10.5M | +41% |
| Q4 2025 | -$2.4M | -$333K |
| Q3 2025 | $14.4M | -45% |
| Q2 2025 | $10.4M | +169% |
| Q1 2025 | $7.4M | +$10.6M |
| Q4 2024 | -$2M | -130% |
SFST 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 SFST 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.
SFST Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.7% | +249K shares |
| 1 year | +18% | +1.5M shares |
| 3 years | +19% | +1.5M shares |
| 5 years | +20% | +1.6M shares |
| Available history | +23% | +1.8M shares |
SFST has 10M diluted shares, up 18% from a year ago.
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.
SFST Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | 4.8x | High |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.8x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | 8.8x | High |
SFST 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).
SFST Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.8 | Neutral |
| Stochastic | 23.9 | Neutral |
SFST's weekly RSI is 53 (neutral) and its Stochastic is 24 (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 SFST on valuation relative to its sector.
SFST PE vs Financial Services Sector
| Metric | SFST | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.1% below |
| PE % | 42 | 63 | 21 pts below |
SFST is trading at 12x earnings, in line with 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.
SFST Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $60.2 | 0.8% above |
| 20 week MA | $61.6 | 1.4% below |
| 50 week MA | $58.1 | 4.4% above |
| 100 week MA | $48.6 | 25% above |
| 200 week MA | $40.2 | 51% above |
SFST 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.
SFST Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.8 | $35.3 | -18% |
| 2021 | $35.3 | $62.7 | +78% |
| 2022 | $62.7 | $45.9 | -27% |
| 2023 | $45.9 | $37.1 | -19% |
| 2024 | $37.1 | $39.7 | +6.9% |
| 2025 | $39.7 | $52.8 | +33% |
| 2026 YTD | $52.8 | $60.7 | +15% |
SFST has the edge over BAC on returns for 2026, with the stronger performance.