BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
SIGI
Selective Insurance Group, Inc.
SIGI has the edge over BAC overall, supported by stronger valuation.
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.
SIGI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SIGI's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SIGI.
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.
SIGI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $98.60 | -4.6% |
| Current | 12x | $103 | — |
| Forward | 12x | $103 | — |
| Fair | 17x | $140 | +36% |
| Expensive | 24x | $202 | +95% |
Historical ranges are pointers, not guarantees.
SIGI has the edge over BAC in the historical PE scenario, which offers more potential upside but is not a forecast.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over SIGI on the outlook, with more favorable revenue expectations.
SIGI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Decline | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect SIGI's earnings to grow and its profitability to improve, but its revenue to decline.
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.
SIGI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.96 | +7.7% |
| Q3 2026 | $8.32 | +28% |
| Q2 2026 | $8.06 | +32% |
| Q1 2026 | $7.31 | +99% |
| Q4 2025 | $7.49 | +132% |
| Q3 2025 | $6.50 | +75% |
| Q2 2025 | $6.12 | +67% |
| Q1 2025 | $3.68 | -35% |
| Q4 2024 | $3.23 | -45% |
SIGI earned $8.32 per share over the past year, up 28% 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 SIGI 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 SIGI on profitability, with a higher operating margin.
SIGI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.3B | -2.5% |
| Q2 2026 | $1.4B | +4.5% |
| Q1 2026 | $1.4B | +5.7% |
| Q4 2025 | $1.4B | +8.6% |
| Q3 2025 | $1.4B | +9.3% |
| Q2 2025 | $1.3B | +11% |
| Q1 2025 | $1.3B | +10% |
| Q4 2024 | $1.3B | +13% |
SIGI's revenue has held roughly level: $1.3B last quarter, down 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +1.5 points |
| Q2 2026 | 12% | +3.5 points |
| Q1 2026 | 9.1% | -1.7 points |
| Q4 2025 | 14% | +4.9 points |
| Q3 2025 | 11% | +1.4 points |
| Q2 2025 | 8.2% | +15 points |
| Q1 2025 | 11% | +2 points |
| Q4 2024 | 9.5% | -4.7 points |
SIGI's operating margin was 12% last quarter, up 1.5 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.
SIGI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $347M | -13% |
| Q2 2026 | $214.9M | +35% |
| Q1 2026 | $210.5M | -22% |
| Q4 2025 | $366.3M | +13% |
| Q3 2025 | $397.3M | +5.1% |
| Q2 2025 | $159.7M | -38% |
| Q1 2025 | $271M | +151% |
| Q4 2024 | $324.7M | +42% |
SIGI 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 SIGI 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.
SIGI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -329K shares |
| 1 year | -1.9% | -1.2M shares |
| 3 years | -1.9% | -1.2M shares |
| 5 years | -0.4% | -271K shares |
| Available history | -0.3% | -151K shares |
SIGI has 60M diluted shares, down 1.9% from a year ago, with $153M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $55.6M |
| Q2 2026 | $32.4M |
| Q1 2026 | $35M |
| Q4 2025 | $30.5M |
| Q3 2025 | $36.6M |
| Q2 2025 | $258,000 |
| Q1 2025 | $25.2M |
| Q4 2024 | $81,000 |
SIGI spent $153M buying back its own shares over the past year, up 147% 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'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.
SIGI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Very low |
| Q2 2026 | -0.0x | Very low |
| Q1 2026 | -0.0x | Very low |
| Q4 2025 | -0.0x | Very low |
| Q3 2025 | -0.0x | Very low |
| Q2 2025 | -0.0x | Very low |
| Q1 2025 | -0.0x | Very low |
| Q4 2024 | 1.7x | Healthy |
SIGI 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).
SIGI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.3 | Neutral |
| Stochastic | 83.0 | Overbought |
SIGI's weekly RSI is 68 (neutral) and its Stochastic is 83 (overbought).
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 SIGI on valuation relative to its sector.
SIGI PE vs Financial Services Sector
| Metric | SIGI | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.6% below |
| PE % | 23 | 63 | 40 pts below |
SIGI is trading at 12x 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.
SIGI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $92.9 | 11% above |
| 20 week MA | $93.5 | 10% above |
| 50 week MA | $87.8 | 18% above |
| 100 week MA | $86.1 | 20% above |
| 200 week MA | $92.1 | 12% above |
SIGI 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.
SIGI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $64.8 | $66.9 | +3.2% |
| 2021 | $66.9 | $79.6 | +19% |
| 2022 | $79.6 | $90.9 | +14% |
| 2023 | $90.9 | $99.5 | +9.5% |
| 2024 | $99.5 | $93.8 | -5.7% |
| 2025 | $93.8 | $84.0 | -10% |
| 2026 YTD | $84.0 | $103.4 | +23% |
SIGI has the edge over BAC on returns for 2026, with the stronger performance.