BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
TFIN
Triumph Financial, Inc.
TFIN has a slight edge over BAC overall, supported by stronger modeled upside.
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.
TFIN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TFIN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TFIN.
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 TFIN in the historical PE scenario, which offers more potential upside but is not a forecast.
TFIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 15x | $30.11 | -49% |
| Forward | 18x | $59.05 | — |
| Fair | 24x | $47.63 | -19% |
| Current | 30x | $59.05 | — |
| Expensive | 57x | $112 | +89% |
Historical ranges are pointers, not guarantees.
TFIN's PE is in its fair range at 30x. If earnings grow as analysts expect, today's price would be 18x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
TFIN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for TFIN, with profitability improving. 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% |
TFIN has the stronger earnings trend. Trailing diluted EPS is up 14% for BAC versus TFIN up 148%.
TFIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.22 | +64% |
| Q4 2024 | $0.54 | -66% |
| Q3 2024 | $0.79 | -58% |
| Q2 2024 | $1.11 | -45% |
| Q1 2024 | $1.32 | -62% |
| Q4 2023 | $1.61 | -59% |
| Q3 2023 | $1.90 | -56% |
| Q2 2023 | $2.01 | -56% |
| Q1 2023 | $3.46 | -13% |
TFIN's earnings per share have fallen from their peak: $1.96 over the past year, against $4.62 in mid-2022.
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 TFIN 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 TFIN on profitability, with a higher operating margin.
TFIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $125.7M | +15% |
| Q2 2026 | $120.2M | +11% |
| Q1 2026 | $105.8M | +4.2% |
| Q4 2025 | $120.1M | +16% |
| Q3 2025 | $109.3M | +2.9% |
| Q2 2025 | $108.1M | +2.8% |
| Q1 2025 | $101.6M | +0.5% |
| Q4 2024 | $103.6M | -2.4% |
TFIN's revenue is recovering but still below its 2022 peak: $126M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | +14 points |
| Q2 2026 | 13% | +5.9 points |
| Q1 2026 | 7.7% | +7.6 points |
| Q4 2025 | 20% | +14 points |
| Q3 2025 | 1.2% | -4.8 points |
| Q2 2025 | 7.3% | +3.9 points |
| Q1 2025 | 0.1% | -4.6 points |
| Q4 2024 | 5.6% | -6.4 points |
TFIN's operating margin was 15% last quarter, up 14 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.
TFIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $21.3M | -5.3% |
| Q1 2026 | $3.3M | +$6.3M |
| Q4 2025 | $36.5M | -1.3% |
| Q3 2025 | $22.4M | +5.8% |
| Q1 2025 | -$3M | +$13M |
| Q4 2024 | $37M | +46% |
| Q3 2024 | $21.2M | +136% |
| Q2 2024 | $16.3M | +106% |
TFIN 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 TFIN 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.
TFIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -3.1K shares |
| 1 year | +0.9% | +221K shares |
| 3 years | +2.9% | +686K shares |
| 5 years | -4.3% | -1.1M shares |
| Available history | -7.3% | -1.9M shares |
TFIN has 24M diluted shares, up 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $2.1M |
| Q1 2026 | $92,000 |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $2.1M |
| Q1 2025 | $128,000 |
| Q4 2024 | $1,000 |
TFIN spent $2M 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.
TFIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -10.9x | Net Cash |
| Q2 2026 | -11.4x | Net Cash |
| Q1 2026 | -7.2x | Net Cash |
| Q4 2025 | 1.7x | Healthy |
| Q3 2025 | 4.8x | High |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -5.3x | Net Cash |
| Q4 2024 | -4.8x | Net Cash |
TFIN 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).
TFIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.6 | Neutral |
| Stochastic | 8.4 | Oversold |
TFIN's weekly RSI is 37 (neutral) 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 has the edge over TFIN on valuation relative to its sector.
TFIN PE vs Financial Services Sector
| Metric | TFIN | Sector median | Relative |
|---|---|---|---|
| PE | 30x | 13x | 131% above |
| PE % | 58 | 63 | 5 pts below |
TFIN is trading at 30x earnings, a 131% 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 |
BAC has the edge over TFIN on trend strength, trading above more of its moving averages.
TFIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $61.7 | 4.3% below |
| 20 week MA | $69.1 | 15% below |
| 50 week MA | $66.5 | 11% below |
| 100 week MA | $64.2 | 8% below |
| 200 week MA | $68.0 | 13% below |
TFIN is in a downtrend: it's below all five of its weekly moving averages, and 13% 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 finished higher in four of the last six years. It's down 10% so far in 2026.
TFIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $38.4 | $48.3 | +26% |
| 2021 | $48.3 | $113.1 | +134% |
| 2022 | $113.1 | $49.4 | -56% |
| 2023 | $49.4 | $80.2 | +62% |
| 2024 | $80.2 | $90.9 | +13% |
| 2025 | $90.9 | $64.0 | -30% |
| 2026 YTD | $64.0 | $59.1 | -7.8% |
TFIN has the edge over BAC on returns for 2026, with the stronger performance.