BAC
Bank of America Corporation
BAC has the edge over STC overall, supported by stronger fundamentals and lower modeled downside.
STC
Stewart Information Services Corporation
STC offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
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.
STC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
STC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like STC.
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 STC in the historical PE scenario, which offers more potential upside but is not a forecast.
STC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $24.64 | -41% |
| Forward | 7.3x | $41.62 | — |
| Current | 10x | $41.62 | — |
| Fair | 12x | $48.46 | +16% |
| Expensive | 32x | $128 | +207% |
Historical ranges are pointers, not guarantees.
STC's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 7.3x next year's earnings, in its cheap range.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over STC on the outlook, with more favorable profitability expectations.
STC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for STC, with profitability holding steady. However, they disagree widely on these estimates.
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.
STC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.69 | +42% |
| Q3 2026 | $4.00 | +11% |
| Q2 2026 | $4.57 | +46% |
| Q1 2026 | $4.49 | +72% |
| Q4 2025 | $4.05 | +55% |
| Q3 2025 | $3.60 | +70% |
| Q2 2025 | $3.12 | +100% |
| Q1 2025 | $2.61 | +72% |
| Q4 2024 | $2.61 | +135% |
STC has the edge over BAC on earnings, with stronger typical year-over-year growth.
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 STC on profitability, with a higher operating margin.
STC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $900.7M | +13% |
| Q2 2026 | $899.2M | +25% |
| Q1 2026 | $781.3M | +28% |
| Q4 2025 | $790.6M | +19% |
| Q3 2025 | $796.9M | +19% |
| Q2 2025 | $722.2M | +20% |
| Q1 2025 | $612M | +10% |
| Q4 2024 | $665.9M | +14% |
STC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.1% | -2.6 points |
| Q2 2026 | 6.1% | -0.4 points |
| Q1 2026 | 3% | +2.1 points |
| Q4 2025 | 6.5% | +1.2 points |
| Q3 2025 | 7.7% | +1.3 points |
| Q2 2025 | 6.5% | +1.7 points |
| Q1 2025 | 1% | -0.3 points |
| Q4 2024 | 5.3% | +2.1 points |
STC's operating margin was 5.1% last quarter, down 2.6 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.
STC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.6M | -65% |
| Q2 2026 | $35M | -9.4% |
| Q1 2026 | -$20.9M | +$21.3M |
| Q4 2025 | $62.3M | +12% |
| Q3 2025 | $73.6M | +9.1% |
| Q2 2025 | $38.7M | +224% |
| Q1 2025 | -$42.2M | -$2.4M |
| Q4 2024 | $55.6M | +78% |
STC 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 STC 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.
STC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +123K shares |
| 1 year | +8.7% | +2.5M shares |
| 3 years | +12% | +3.3M shares |
| 5 years | +14% | +3.7M shares |
| Available history | +30% | +7.2M shares |
STC has 31M diluted shares, up 8.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $107,000 |
| Q2 2026 | $93,000 |
| Q1 2026 | $5.2M |
| Q4 2025 | $322,000 |
| Q3 2025 | $91,000 |
| Q2 2025 | $109,000 |
| Q1 2025 | $3.4M |
| Q4 2024 | $226,000 |
STC spent $6M buying back its own shares over the past year, up 52% 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.
STC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -0.9x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | 1.3x | Healthy |
STC 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).
STC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.8 | Oversold |
| Stochastic | 7.5 | Oversold |
STC's weekly RSI is 26 (oversold) and its Stochastic is 8 (oversold).
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.
STC PE vs Financial Services Sector
| Metric | STC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 41 | 63 | 22 pts below |
STC 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 the edge over STC on trend strength, trading above more of its moving averages.
STC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.9 | 15% below |
| 20 week MA | $60.4 | 31% below |
| 50 week MA | $64.7 | 36% below |
| 100 week MA | $66.3 | 37% below |
| 200 week MA | $61.0 | 32% below |
STC is in a downtrend: it's below all five of its weekly moving averages, and 32% below 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 the edge over STC on returns for 2026, with the stronger performance.
STC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $41.4 | $49.0 | +18% |
| 2021 | $49.0 | $78.1 | +59% |
| 2022 | $78.1 | $42.3 | -46% |
| 2023 | $42.3 | $58.8 | +39% |
| 2024 | $58.8 | $69.1 | +18% |
| 2025 | $69.1 | $71.1 | +2.9% |
| 2026 YTD | $71.1 | $41.6 | -41% |
STC is down 41% so far in 2026, after finishing higher in five of the previous six years.