BAC
Bank of America Corporation
BAC has the edge over UBCP overall, supported by stronger fundamentals and stronger valuation.
UBCP
United Bancorp, Inc.
UBCP 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.
UBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
UBCP's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UBCP.
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 UBCP in the historical PE scenario, which offers more potential upside but is not a forecast.
UBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $10.22 | -29% |
| Fair | 9.9x | $12.77 | -12% |
| Expensive | 11x | $14.69 | +1.4% |
| Current | 11x | $14.49 | — |
Historical ranges are pointers, not guarantees.
UBCP's PE is in its expensive range at 11x.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
UBCP Forward outlook
There aren't enough analyst estimates for UBCP to show an outlook.
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 UBCP on earnings, with more consistent year-over-year improvement.
UBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.29 | -0.8% |
| Q2 2026 | $1.38 | +8.7% |
| Q1 2026 | $1.35 | +8.9% |
| Q4 2025 | $1.34 | +5.5% |
| Q3 2025 | $1.30 | -5.8% |
| Q2 2025 | $1.27 | -15% |
| Q1 2025 | $1.24 | -22% |
| Q4 2024 | $1.27 | -19% |
UBCP earned $1.29 per share over the past year, about the same as 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 UBCP 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 has the edge over UBCP on profitability, with a higher operating margin.
UBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7M | +4% |
| Q2 2026 | $7M | +6.2% |
| Q1 2026 | $6.5M | +4.2% |
| Q4 2025 | $8.9M | +18% |
| Q3 2025 | $6.7M | +9.6% |
| Q2 2025 | $6.6M | +6.3% |
| Q1 2025 | $6.2M | +2.2% |
| Q4 2024 | $7.5M | +0.1% |
UBCP's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -13 points |
| Q2 2026 | 29% | +0.1 points |
| Q1 2026 | 27% | -2.7 points |
| Q4 2025 | 22% | -1.4 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 29% | +3.4 points |
| Q1 2025 | 30% | -5.5 points |
| Q4 2024 | 24% | -11 points |
UBCP's operating margin was 15% last quarter, down 13 points from the same quarter a year ago, near the bottom of its range since 2019.
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 UBCP on cash generation, producing positive trailing cash flow while its opponent burns cash.
UBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.5M | +$3.9M |
| Q2 2026 | -$140K | -110% |
| Q1 2026 | -$1.8M | -$1.2M |
| Q4 2025 | -$1.8M | -214% |
| Q3 2025 | -$367K | +$1.2M |
| Q2 2025 | $1.5M | +$3M |
| Q1 2025 | -$594K | -366% |
| Q4 2024 | $1.6M | -38% |
UBCP's free cash flow was −$257,000 over the past year, against $2M the year before. Free cash flow isn't a meaningful measure for financial services companies like UBCP.
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 UBCP 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.
UBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -26.6K shares |
| 1 year | -0.7% | -39.5K shares |
| 3 years | -0.8% | -42.2K shares |
| 5 years | -0.6% | -31.7K shares |
| Available history | -1.4% | -79.2K shares |
UBCP has 5M diluted shares, down 0.7% from a year ago, with $1M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $340,000 |
| Q2 2026 | $342,000 |
| Q1 2026 | $374,000 |
| Q4 2025 | $188,000 |
| Q3 2025 | — |
| Q2 2025 | $80,000 |
| Q1 2025 | $49,000 |
| Q4 2024 | — |
UBCP spent $1M buying back its own shares over the past year, about 10 times what it spent 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 has the edge over UBCP on leverage, with a lower net debt burden relative to earnings.
UBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.3x | High |
| Q2 2026 | 7.7x | High |
| Q1 2026 | 7.9x | High |
| Q4 2025 | 5.9x | High |
| Q3 2025 | 6.2x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 7.7x | High |
| Q4 2024 | 9.5x | High |
UBCP's net debt is about 8.3 years of its operating earnings (EBITDA), up from 6.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UBCP.
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).
UBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.5 | Neutral |
| Stochastic | 33.6 | Neutral |
UBCP's weekly RSI is 46 (neutral) and its Stochastic is 34 (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.
UBCP PE vs Financial Services Sector
| Metric | UBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 79 | 63 | 16 pts above |
UBCP 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.
UBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.3 | 1.5% above |
| 20 week MA | $15.2 | 4.7% below |
| 50 week MA | $15.2 | 4.4% below |
| 100 week MA | $14.3 | 1.3% above |
| 200 week MA | $13.4 | 8.2% above |
UBCP 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.
UBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.3 | -9.4% |
| 2021 | $13.3 | $16.2 | +22% |
| 2022 | $16.2 | $15.5 | -4.6% |
| 2023 | $15.5 | $12.8 | -17% |
| 2024 | $12.8 | $13.0 | +1.3% |
| 2025 | $13.0 | $14.8 | +14% |
| 2026 YTD | $14.8 | $14.5 | -2% |
UBCP has the edge over BAC on returns for 2026, with the stronger performance.