BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
SHFS
SHF Holdings, Inc.
There isn't enough reported data to score SHFS yet.
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.
SHFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Under pressure | |
| N/A | |
| N/A |
SHFS's revenue is currently stable, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SHFS.
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.
SHFS PE Valuation
SHFS has no meaningful PE right now: it lost money over the past year.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
SHFS Forward outlook
There aren't enough analyst estimates for SHFS 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 has the edge over SHFS on earnings quality, reporting a profit while its opponent remains loss making.
SHFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$13.43 | +$219.37 |
| Q2 2026 | -$11.76 | +$219.36 |
| Q1 2026 | -$11.40 | +$210.96 |
| Q4 2025 | -$9.84 | +$199.32 |
| Q3 2025 | -$232.80 | -793% |
| Q2 2025 | -$231.12 | -975% |
| Q1 2025 | -$222.36 | -$147.96 |
| Q4 2024 | -$209.16 | -$110.76 |
SHFS is still losing money, but far less than before: $13.43 per share over the past year, against $600.13 at its worst in late 2023.
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 SHFS 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 SHFS on profitability, with a higher operating margin.
SHFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2M | +6.5% |
| Q2 2026 | $1.9M | +4.8% |
| Q1 2026 | $2M | +2.2% |
| Q4 2025 | $2.1M | -44% |
| Q3 2025 | $1.8M | -47% |
| Q2 2025 | $1.8M | -54% |
| Q1 2025 | $1.9M | -52% |
| Q4 2024 | $3.7M | -18% |
SHFS's revenue is recovering but still below its 2023 peak: $2M last quarter, up 6.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -51% | +15 points |
| Q2 2026 | -53% | -0.4 points |
| Q1 2026 | -89% | +14 points |
| Q4 2025 | -59% | +156 points |
| Q3 2025 | -66% | -72 points |
| Q2 2025 | -53% | -60 points |
| Q1 2025 | -103% | -111 points |
| Q4 2024 | -215% | -177 points |
SHFS's operating margin was −51% 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 has the edge over SHFS on cash generation, producing positive trailing cash flow while its opponent burns cash.
SHFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2M | -$674.8K |
| Q2 2026 | -$1.8M | -$1.1M |
| Q1 2026 | -$1.1M | +$62.1K |
| Q4 2025 | -$1.1M | +$1.7M |
| Q4 2024 | -$2.8M | -$2.2M |
| Q4 2023 | -$607.1K | -$328.1K |
| Q2 2023 | -$378.7K | -$309.6K |
| Q1 2023 | -$775.1K | -$593.5K |
SHFS's free cash flow was −$5M over the past year, against −$5M the year before. Free cash flow isn't a meaningful measure for financial services companies like SHFS.
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 SHFS 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.
SHFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +78% | +451K shares |
| 1 year | +336% | +792K shares |
| 3 years | +861% | +921K shares |
SHFS has 1M diluted shares, up 336% 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.
SHFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2024 | 118.1x | High |
SHFS's net debt is more than 20 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like SHFS.
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).
SHFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.4 | Oversold |
| Stochastic | 0.2 | Oversold |
SHFS's weekly RSI is 25 (oversold) and its Stochastic is 0 (oversold).
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.
SHFS PE vs Financial Services Sector
| Metric | SHFS | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
SHFS has no meaningful PE right now: it lost money over the past year.
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 the edge over SHFS on trend strength, trading above more of its moving averages.
SHFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.49 | 96% below |
| 20 week MA | $1.50 | 99% below |
| 50 week MA | $6.73 | 100% below |
| 100 week MA | $29.3 | 100% below |
| 200 week MA | $96.8 | 100% below |
SHFS is in a downtrend: it's below all five of its weekly moving averages, and 100% below its 200-week average.
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 the edge over SHFS on returns for 2026, with the stronger performance.
SHFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $2,371.2 | $2,412.0 | +1.7% |
| 2022 | $2,412.0 | $460.8 | -81% |
| 2023 | $460.8 | $340.8 | -26% |
| 2024 | $340.8 | $101.0 | -70% |
| 2025 | $101.0 | $15.0 | -85% |
| 2026 YTD | $15.0 | $0.02 | -100% |
SHFS has finished four years in a row lower, and it's down 100% so far in 2026.