BAC
Bank of America Corporation
BAC has a slight edge over SRBK overall, supported by stronger fundamentals and stronger valuation.
SRBK
SR Bancorp, Inc. Common stock
SRBK has lower modeled downside risk, despite its lower overall score.
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.
SRBK Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Healthy | |
| N/A | |
| N/A |
SRBK's profitability is currently healthy. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like SRBK.
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.
SRBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 24x | $18.83 | — |
| Cheap | 30x | $15.00 | -20% |
| Fair | 32x | $16.06 | -15% |
| Current | 38x | $18.83 | — |
| Expensive | 41x | $20.75 | +10% |
Historical ranges are pointers, not guarantees.
SRBK 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.
SRBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SRBK, 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 SRBK in the latest year-over-year earnings comparison.
SRBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.77 | +54% |
| Q3 2026 | $0.50 | -7.4% |
| Q2 2026 | $0.44 | -28% |
SRBK earned $0.50 per share over the past year, down 7.4% 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'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 has the edge over SRBK on profitability, with a higher operating margin.
SRBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $8.9M | +9.1% |
| Q1 2026 | $8.4M | +8.2% |
| Q4 2025 | $8.4M | +6.4% |
| Q3 2025 | $8.2M | -2.8% |
| Q1 2025 | $7.7M | -12% |
| Q4 2024 | $7.9M | -16% |
| Q3 2024 | $8.4M | +80% |
SRBK has the edge over BAC in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +5.1 points |
| Q2 2026 | 15% | N/A |
| Q1 2026 | 14% | +5.9 points |
| Q4 2025 | 13% | -4.1 points |
| Q3 2025 | 11% | -9.6 points |
| Q1 2025 | 8.1% | -7.3 points |
| Q4 2024 | 17% | -4.4 points |
| Q3 2024 | 21% | +288 points |
SRBK's operating margin was 16% last quarter, up 5.1 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.
SRBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.7M | +140% |
| Q2 2026 | $3.8M | +141% |
| Q1 2026 | $1.9M | -25% |
| Q4 2025 | $3.1M | +$4.6M |
| Q3 2025 | $1.1M | -33% |
| Q2 2025 | $1.6M | -60% |
| Q1 2025 | $2.5M | +345% |
| Q4 2024 | -$1.5M | -$557K |
SRBK's free cash flow was $11M over the past year, about three times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like SRBK.
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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
SRBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.1% | -311K shares |
| 1 year | -7.6% | -602K shares |
SRBK has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $328,000 |
| Q2 2026 | $4M |
| Q1 2026 | $5M |
| Q4 2025 | $4.1M |
| Q3 2025 | $2.9M |
| Q2 2025 | $4M |
| Q1 2025 | $3.4M |
| Q4 2024 | $3.2M |
SRBK spent $13M buying back its own shares over the past year, about the same as 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.
SRBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -7.9x | Net Cash |
| Q2 2026 | -10.0x | Net Cash |
| Q1 2026 | -7.6x | Net Cash |
| Q4 2025 | -4.4x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | -3.3x | Net Cash |
| Q1 2025 | -9.2x | Net Cash |
| Q4 2024 | -5.4x | Net Cash |
SRBK 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).
SRBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.0 | Neutral |
| Stochastic | 36.0 | Neutral |
SRBK's weekly RSI is 51 (neutral) and its Stochastic is 36 (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 SRBK on valuation relative to its sector.
SRBK PE vs Financial Services Sector
| Metric | SRBK | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 79 | 43 | 36 pts above |
SRBK is trading at 38x earnings, a 189% premium to 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 |
SRBK has stronger trend alignment. BAC is above 1 of 5 weekly averages versus SRBK above 3 of 4.
SRBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.7 | 0.7% above |
| 20 week MA | $19.2 | 2% below |
| 50 week MA | $18.2 | 3.7% above |
| 100 week MA | $15.8 | 19% above |
SRBK's trend is mixed: it's above three of its four weekly moving averages, and 19% above its 100-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.
SRBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $9.15 | $9.56 | +4.5% |
| 2024 | $9.56 | $12.1 | +27% |
| 2025 | $12.1 | $16.2 | +34% |
| 2026 YTD | $16.2 | $18.8 | +16% |
SRBK has the edge over BAC on returns for 2026, with the stronger performance.