BAC
Bank of America Corporation
BAC has the edge over TRIN overall, supported by stronger fundamentals and stronger valuation.
TRIN
Trinity Capital Inc.
TRIN 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.
TRIN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
TRIN's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like TRIN.
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 TRIN in the historical PE scenario, which offers more potential upside but is not a forecast.
TRIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.3x | $9.73 | -46% |
| Fair | 7.1x | $13.17 | -26% |
| Forward | 8.6x | $17.87 | — |
| Expensive | 8.9x | $16.54 | -7.5% |
| Current | 9.7x | $17.87 | — |
Historical ranges are pointers, not guarantees.
TRIN's PE is in its expensive range at 9.7x. On analysts' estimates for next year's earnings, today's price would be 8.6x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over TRIN on the outlook, with more favorable earnings and profitability expectations.
TRIN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect TRIN's revenue to grow, but its profitability to weaken.
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 TRIN on earnings, with more consistent year-over-year improvement.
TRIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.09 | +13% |
| Q3 2026 | $1.85 | -17% |
| Q2 2026 | $1.75 | -23% |
| Q1 2026 | $1.89 | -15% |
| Q4 2025 | $1.96 | -6.7% |
| Q3 2025 | $2.23 | +32% |
| Q2 2025 | $2.27 | +37% |
| Q1 2025 | $2.23 | +40% |
| Q4 2024 | $2.10 | +11% |
TRIN earned $1.85 per share over the past year, down 17% 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 has the edge over TRIN 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
TRIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1M | +43% |
| Q2 2026 | $1.1M | -27% |
| Q1 2026 | $900K | -40% |
| Q4 2025 | $1.2M | -29% |
| Q3 2025 | $700K | -56% |
| Q2 2025 | $1.5M | 0% |
| Q1 2025 | $1.5M | -63% |
| Q4 2024 | $1.7M | -35% |
TRIN's revenue is recovering but still below its 2024 peak: $1M last quarter, up 43% 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 has the edge over TRIN on cash generation, producing positive trailing cash flow while its opponent burns cash.
TRIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$66.3M | +$117.3M |
| Q2 2026 | -$198.6M | -$75.1M |
| Q1 2026 | -$45.8M | +$17.6M |
| Q4 2025 | -$165M | -996% |
| Q3 2025 | -$183.6M | +$48.4M |
| Q2 2025 | -$123.5M | -$101.6M |
| Q1 2025 | -$63.3M | +$18.1M |
| Q4 2024 | $18.4M | +$154.8M |
TRIN's free cash flow was −$476M over the past year, against −$352M the year before. Free cash flow isn't a meaningful measure for financial services companies like TRIN.
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 TRIN 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.
TRIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +5.1% | +4.6M shares |
| 1 year | +33% | +23.6M shares |
| 3 years | +117% | +51.3M shares |
TRIN has 95M diluted shares, up 33% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.2M |
| Q2 2026 | $943,000 |
| Q1 2026 | $1.6M |
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.
TRIN 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).
TRIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.3 | Neutral |
| Stochastic | 57.2 | Neutral |
TRIN's weekly RSI is 57 (neutral) and its Stochastic is 57 (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.
TRIN PE vs Financial Services Sector
| Metric | TRIN | Sector median | Relative |
|---|---|---|---|
| PE | 9.7x | 13x | 26% below |
| PE % | 95 | 62 | 33 pts above |
TRIN 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.
TRIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.2 | 4% above |
| 20 week MA | $17.6 | 1.5% above |
| 50 week MA | $16.5 | 8.2% above |
| 100 week MA | $15.8 | 13% above |
| 200 week MA | $14.9 | 20% above |
TRIN 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.
TRIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $15.0 | $17.3 | +15% |
| 2022 | $17.3 | $11.7 | -33% |
| 2023 | $11.7 | $14.5 | +25% |
| 2024 | $14.5 | $14.8 | +1.8% |
| 2025 | $14.8 | $15.2 | +2.8% |
| 2026 YTD | $15.2 | $17.9 | +18% |
TRIN has the edge over BAC on returns for 2026, with the stronger performance.