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.
SMFG
Sumitomo Mitsui Financial Group, Inc.
There isn't enough reported data to score SMFG 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.
SMFG Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Stable | |
| N/A | |
| N/A |
SMFG's profitability is currently stable. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like SMFG.
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.
SMFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 33x | $25.68 | +5.4% |
| Fair | 45x | $34.52 | +42% |
| Current | 53x | $24.37 | — |
| Expensive | 55x | $41.97 | +72% |
Historical ranges are pointers, not guarantees.
SMFG 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
SMFG Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SMFG, 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 has the edge over SMFG in the latest year-over-year earnings comparison.
SMFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2025 | $0.77 | -81% |
| Q3 2024 | $1.46 | -61% |
| Q1 2024 | $4.12 | -1.7% |
| Q3 2023 | $3.76 | -8.5% |
| Q1 2023 | $4.19 | +84% |
| Q3 2022 | $4.11 | +23% |
| Q1 2022 | $2.28 | -27% |
| Q3 2021 | $3.35 | +172% |
SMFG's earnings per share have fallen from their peak: $0.77 over the past year, against $4.19 in early 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'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.
SMFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2025 | $12.5B | +31% |
| Q3 2024 | $10.3B | -16% |
| Q1 2024 | $9.6B | +1.2% |
| Q3 2023 | $12.2B | +2% |
| Q1 2023 | $9.5B | +2.8% |
| Q3 2022 | $12B | +48% |
| Q1 2022 | $9.2B | +9.8% |
| Q3 2021 | $8.1B | +3.1% |
SMFG has the edge over BAC in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q1 2025 | 17% | +1.1 points |
| Q3 2024 | 19% | -34 points |
| Q1 2024 | 22% | +11 points |
| Q3 2023 | 45% | +5.3 points |
| Q1 2023 | 16% | -23 points |
| Q3 2022 | 54% | +19 points |
| Q1 2022 | 11% | +19 points |
| Q3 2021 | 39% | +7.7 points |
SMFG's operating margin was 17% last quarter, up 1.1 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.
SMFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q1 2025 | $30B | +$52.7B |
| Q3 2024 | -$11.4B | -140% |
SMFG's free cash flow was $24.3B over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like SMFG.
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 SMFG 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.
SMFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -18.4M shares |
| 1 year | +186% | +2.5B shares |
| 3 years | +179% | +2.5B shares |
SMFG has 3.9B diluted shares, up 186% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2025 | $940.5M |
| Q3 2024 | $636.7M |
| Q1 2024 | $940.9M |
| Q3 2023 | $384.4M |
| Q1 2023 | $870M |
| Q3 2022 | $213,113 |
| Q1 2022 | $238,185 |
| Q3 2021 | $231,917 |
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.
SMFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2025 | -48.6x | Net Cash |
| Q3 2024 | -44.0x | Net Cash |
| Q1 2024 | -30.6x | Net Cash |
| Q3 2023 | -32.9x | Net Cash |
| Q1 2023 | -30.3x | Net Cash |
| Q3 2022 | -29.5x | Net Cash |
| Q1 2022 | -42.4x | Net Cash |
| Q3 2021 | -28.9x | Net Cash |
SMFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SMFG.
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).
SMFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.2 | Neutral |
| Stochastic | 20.5 | Neutral |
SMFG's weekly RSI is 50 (neutral) and its Stochastic is 20 (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 SMFG on valuation relative to its sector.
SMFG PE vs Financial Services Sector
| Metric | SMFG | Sector median | Relative |
|---|---|---|---|
| PE | 53x | 13x | 307% above |
| PE % | 75 | 63 | 12 pts above |
SMFG is trading at 53x earnings, a 307% premium to 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.
SMFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.7 | 1.3% below |
| 20 week MA | $25.4 | 4.2% below |
| 50 week MA | $23.0 | 6.2% above |
| 100 week MA | $19.2 | 27% above |
| 200 week MA | $14.9 | 63% above |
SMFG 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.
SMFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.41 | $6.02 | -19% |
| 2021 | $6.02 | $6.81 | +13% |
| 2022 | $6.81 | $8.05 | +18% |
| 2023 | $8.05 | $9.68 | +20% |
| 2024 | $9.68 | $14.4 | +49% |
| 2025 | $14.4 | $19.5 | +35% |
| 2026 YTD | $19.5 | $24.4 | +25% |
SMFG has the edge over BAC on returns for 2026, with the stronger performance.