BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
TWFG
TWFG, Inc. Common Stock
TWFG has the edge over BAC overall, supported by stronger fundamentals.
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.
TWFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TWFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TWFG.
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.
TWFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 23x | $26.72 | — |
| Cheap | 34x | $20.20 | -24% |
| Fair | 41x | $23.99 | -10% |
| Current | 45x | $26.72 | — |
| Expensive | 47x | $27.74 | +3.8% |
Historical ranges are pointers, not guarantees.
TWFG 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 TWFG on the outlook, with more favorable profitability expectations.
TWFG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for TWFG, 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.
TWFG Earnings Per Share
TWFG and BAC do not have enough comparable growth data to identify a winner.
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 TWFG on profitability, with a higher operating margin.
TWFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | +25% |
| Q2 2026 | $87.5M | +45% |
| Q1 2026 | $72.8M | +35% |
| Q4 2025 | $70.3M | +42% |
| Q3 2025 | $64.1M | +17% |
| Q2 2025 | $60.3M | +13% |
| Q1 2025 | $53.8M | +20% |
| Q4 2024 | $49.5M | +30% |
TWFG has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -2.8 points |
| Q2 2026 | 20% | +7.9 points |
| Q1 2026 | 17% | +6.3 points |
| Q4 2025 | 21% | +11 points |
| Q3 2025 | 14% | -0.1 points |
| Q2 2025 | 12% | -2.4 points |
| Q1 2025 | 11% | -5.7 points |
| Q4 2024 | 10% | +7.3 points |
TWFG's operating margin was 11% last quarter, down 2.8 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.
TWFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.4M | -30% |
| Q2 2026 | $9.3M | -2.7% |
| Q1 2026 | $22.4M | +43% |
| Q4 2025 | $13.1M | +50% |
| Q3 2025 | $14.9M | +30% |
| Q1 2025 | $15.6M | +$26.9M |
| Q4 2024 | $8.7M | +$11.7M |
| Q3 2024 | $11.5M | +73% |
TWFG's free cash flow was $55M over the past year, up 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TWFG.
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.
TWFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -98.7K shares |
| 1 year | -14% | -2.1M shares |
TWFG has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $26.3M |
| Q1 2026 | $16.6M |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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.
TWFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -2.8x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
TWFG 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).
TWFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.4 | Neutral |
| Stochastic | 50.3 | Neutral |
TWFG's weekly RSI is 53 (neutral) and its Stochastic is 50 (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 TWFG on valuation relative to its sector.
TWFG PE vs Financial Services Sector
| Metric | TWFG | Sector median | Relative |
|---|---|---|---|
| PE | 45x | 13x | 248% above |
| PE % | 70 | 22 | 48 pts above |
TWFG is trading at 45x earnings, a 248% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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 |
TWFG has stronger trend alignment. BAC is above 1 of 5 weekly averages versus TWFG above 2 of 4.
TWFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.1 | 2.3% above |
| 20 week MA | $26.9 | 0.5% below |
| 50 week MA | $24.0 | 12% above |
| 100 week MA | $26.9 | 0.8% below |
TWFG's trend is mixed: it's above two of its four weekly moving averages, and 0.8% below 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.
TWFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $22.6 | $28.9 | +28% |
| 2025 | $28.9 | $29.1 | +0.7% |
| 2026 YTD | $29.1 | $26.7 | -8.2% |
TWFG has the edge over BAC on returns for 2026, with the stronger performance.