BAC
Bank of America Corporation
BAC has a slight edge over SNFCA overall, supported by stronger modeled upside and stronger fundamentals.
SNFCA
Security National Financial Corporation
SNFCA 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.
SNFCA Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
SNFCA's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SNFCA.
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 SNFCA in the historical PE scenario, which offers more potential upside but is not a forecast.
SNFCA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $6.30 | -30% |
| Current | 6.8x | $8.97 | — |
| Fair | 7.5x | $9.86 | +9.9% |
| Expensive | 11x | $15.03 | +68% |
Historical ranges are pointers, not guarantees.
SNFCA's PE is in its fair range at 6.8x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
SNFCA Forward outlook
There aren't enough analyst estimates for SNFCA 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.
SNFCA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.31 | +90% |
| Q2 2026 | $1.38 | +64% |
| Q1 2026 | $1.29 | +48% |
| Q4 2025 | $1.19 | +20% |
| Q3 2025 | $0.69 | -38% |
| Q2 2025 | $0.84 | +2.4% |
| Q1 2025 | $0.87 | +10% |
| Q4 2024 | $0.99 | +80% |
SNFCA's earnings per share have fallen from their peak: $1.31 over the past year, against $2.54 in early 2021.
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 SNFCA 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 SNFCA on profitability, with a higher operating margin.
SNFCA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | -11% |
| Q2 2026 | $83.9M | -6.3% |
| Q1 2026 | $79.7M | -3.6% |
| Q4 2025 | $83M | +4.7% |
| Q3 2025 | $89.3M | +1.2% |
| Q2 2025 | $89.5M | +4.4% |
| Q1 2025 | $82.7M | +1.9% |
| Q4 2024 | $79.3M | +5.8% |
SNFCA's revenue has slid since its 2020 peak: $80M last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 10% | -1.1 points |
| Q2 2026 | 14% | +4.6 points |
| Q1 2026 | 11% | +4.6 points |
| Q4 2025 | 21% | +21 points |
| Q3 2025 | 11% | -5.9 points |
| Q2 2025 | 9.3% | -1.6 points |
| Q1 2025 | 6.7% | -5.1 points |
| Q4 2024 | -0.1% | -2 points |
SNFCA's operating margin was 10% last quarter, down 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.
SNFCA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.2M | +125% |
| Q2 2026 | $3.7M | +$11.8M |
| Q1 2026 | $32.8M | +258% |
| Q4 2025 | $17.9M | -13% |
| Q3 2025 | $24.9M | -6.4% |
| Q2 2025 | -$8.1M | +$9M |
| Q1 2025 | $9.1M | -63% |
| Q4 2024 | $20.5M | -42% |
SNFCA's free cash flow was $111M over the past year, up 138% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SNFCA.
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 SNFCA 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.
SNFCA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +20.7K shares |
| 1 year | +0.9% | +242K shares |
| 3 years | +1.8% | +483K shares |
| 5 years | +0.5% | +136K shares |
| Available history | +7.5% | +1.9M shares |
SNFCA has 27M diluted shares, up 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6,031 |
| Q2 2026 | $551,005 |
| Q1 2026 | $785,521 |
| Q4 2025 | $5,436 |
| Q3 2025 | $400,929 |
| Q2 2025 | $961,419 |
| Q1 2025 | $242,265 |
| Q4 2024 | $1.4M |
SNFCA spent $1M buying back its own shares over the past year, down 55% 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.
SNFCA Net Leverage
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).
SNFCA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.4 | Neutral |
| Stochastic | 53.5 | Neutral |
SNFCA's weekly RSI is 46 (neutral) and its Stochastic is 54 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
SNFCA PE vs Financial Services Sector
| Metric | SNFCA | Sector median | Relative |
|---|---|---|---|
| PE | 6.8x | 13x | 48% below |
| PE % | 41 | 63 | 22 pts below |
SNFCA has the edge over BAC on valuation relative to its sector.
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.
SNFCA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.12 | 1.6% below |
| 20 week MA | $9.21 | 2.6% below |
| 50 week MA | $9.08 | 1.2% below |
| 100 week MA | $9.32 | 3.8% below |
| 200 week MA | $8.38 | 7% above |
SNFCA has fallen below most of its moving averages, though it's still 7% above 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 finished higher in four of the last six years. It's down 10% so far in 2026.
SNFCA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.31 | $6.47 | +50% |
| 2021 | $6.47 | $7.48 | +16% |
| 2022 | $7.48 | $5.77 | -23% |
| 2023 | $5.77 | $8.16 | +41% |
| 2024 | $8.16 | $11.5 | +41% |
| 2025 | $11.5 | $8.67 | -25% |
| 2026 YTD | $8.67 | $8.97 | +3.5% |
SNFCA has the edge over BAC on returns for 2026, with the stronger performance.