BAC
Bank of America Corporation
BAC has a slight edge over SRCE overall, supported by stronger valuation and stronger modeled upside.
SRCE
1st Source Corporation
SRCE's outlook is improving, though it still trails on the 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.
SRCE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SRCE's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SRCE.
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.
SRCE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $70.88 | -20% |
| Fair | 11x | $78.05 | -12% |
| Expensive | 12x | $90.07 | +2.1% |
| Current | 12x | $88.25 | — |
| Forward | 12x | $88.25 | — |
Historical ranges are pointers, not guarantees.
SRCE 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 SRCE on the outlook, with more favorable valuation expectations.
SRCE Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SRCE, 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 SRCE on earnings, with stronger typical year-over-year growth.
SRCE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.59 | +4.2% |
| Q3 2026 | $7.28 | +21% |
| Q2 2026 | $6.96 | +22% |
| Q1 2026 | $6.52 | +15% |
| Q4 2025 | $6.41 | +20% |
| Q3 2025 | $6.01 | +14% |
| Q2 2025 | $5.71 | +11% |
| Q1 2025 | $5.69 | +14% |
| Q4 2024 | $5.36 | +6.6% |
SRCE's earnings per share have climbed steadily: $7.28 over the past year, up 21% from the year before, and higher year over year for 10 quarters in a row.
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 SRCE on sales, with stronger typical year-over-year growth.
| 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.
SRCE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $120.3M | +8.7% |
| Q2 2026 | $118.2M | +9.2% |
| Q1 2026 | $113.1M | +8.7% |
| Q4 2025 | $110.8M | +13% |
| Q3 2025 | $110.7M | +13% |
| Q2 2025 | $108.2M | +11% |
| Q1 2025 | $104M | +11% |
| Q4 2024 | $97.8M | +7% |
SRCE's revenue has grown year over year for 11 quarters in a row: $120M last quarter, up 8.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 53% | +3.7 points |
| Q2 2026 | 52% | +7.7 points |
| Q1 2026 | 45% | -0.5 points |
| Q4 2025 | 48% | +7.4 points |
| Q3 2025 | 50% | +3.3 points |
| Q2 2025 | 44% | -4.6 points |
| Q1 2025 | 46% | +5.6 points |
| Q4 2024 | 41% | +1 points |
SRCE has the edge over BAC on profitability, with a higher operating margin.
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.
SRCE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $69.1M | +46% |
| Q2 2026 | $49.3M | +15% |
| Q1 2026 | $58.1M | -16% |
| Q4 2025 | $53.5M | +98% |
| Q3 2025 | $47.3M | -29% |
| Q2 2025 | $43M | -7.3% |
| Q1 2025 | $69.3M | +67% |
| Q4 2024 | $27M | -34% |
SRCE's free cash flow was $230M over the past year, up 23% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SRCE.
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 SRCE 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.
SRCE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +9.9K shares |
| 1 year | -1.6% | -389K shares |
| 3 years | -2.3% | -577K shares |
| 5 years | -3.4% | -837K shares |
| Available history | -5.9% | -1.5M shares |
SRCE has 24M diluted shares, down 1.6% from a year ago, with $28M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $23.4M |
| Q4 2025 | $4.2M |
| Q3 2025 | $6.4M |
| Q2 2025 | $2.8M |
| Q1 2025 | $455,000 |
| Q4 2024 | $178,000 |
SRCE spent $28M buying back its own shares over the past year, up 180% 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.
SRCE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | 0.9x | Very low |
| Q1 2026 | 1.4x | Healthy |
| Q4 2025 | 1.2x | Healthy |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | 0.1x | Very low |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | 1.7x | Healthy |
SRCE 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).
SRCE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 55.9 | Neutral |
SRCE's weekly RSI is 64 (neutral) and its Stochastic is 56 (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 SRCE on valuation relative to its sector.
SRCE PE vs Financial Services Sector
| Metric | SRCE | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.9% below |
| PE % | 79 | 63 | 16 pts above |
SRCE 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.
SRCE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $86.6 | 1.9% above |
| 20 week MA | $86.2 | 2.4% above |
| 50 week MA | $76.6 | 15% above |
| 100 week MA | $68.7 | 28% above |
| 200 week MA | $59.7 | 48% above |
SRCE 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.
SRCE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $52.0 | $39.9 | -23% |
| 2021 | $39.9 | $48.4 | +21% |
| 2022 | $48.4 | $54.3 | +12% |
| 2023 | $54.3 | $55.0 | +1.3% |
| 2024 | $55.0 | $58.6 | +6.7% |
| 2025 | $58.6 | $64.0 | +9.1% |
| 2026 YTD | $64.0 | $88.3 | +38% |
SRCE has the edge over BAC on returns for 2026, with the stronger performance.