BAC
Bank of America Corporation
BAC has slightly lower modeled downside risk, despite its lower overall score.
UMBF
UMB Financial Corporation
UMBF has the edge over BAC overall, supported by stronger fundamentals and stronger valuation.
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.
UMBF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
UMBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like UMBF.
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.
UMBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.7x | $133 | — |
| Cheap | 10x | $135 | +0.9% |
| Current | 10x | $133 | — |
| Fair | 12x | $160 | +20% |
| Expensive | 14x | $188 | +41% |
Historical ranges are pointers, not guarantees.
UMBF 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 UMBF on the outlook, with more favorable valuation expectations.
UMBF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UMBF, with profitability improving.
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 UMBF on earnings, with stronger typical year-over-year growth.
UMBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.71 | +2.5% |
| Q3 2026 | $13.37 | +51% |
| Q2 2026 | $12.17 | +40% |
| Q1 2026 | $11.43 | +44% |
| Q4 2025 | $9.29 | +3.3% |
| Q3 2025 | $8.83 | +10% |
| Q2 2025 | $8.70 | +12% |
| Q1 2025 | $7.95 | +5.6% |
| Q4 2024 | $8.99 | +25% |
UMBF's earnings per share have climbed steadily: $13.37 over the past year, up 51% from the year before, and higher year over year for 10 quarters in a row.
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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
UMBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $772.4M | +14% |
| Q2 2026 | $778M | +13% |
| Q1 2026 | $739.2M | +31% |
| Q4 2025 | $720.9M | +66% |
| Q3 2025 | $678.3M | +67% |
| Q2 2025 | $689.2M | +77% |
| Q1 2025 | $563.8M | +41% |
| Q4 2024 | $434.2M | +17% |
UMBF has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +9.4 points |
| Q2 2026 | 45% | +5.1 points |
| Q1 2026 | 45% | +28 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 35% | +1.5 points |
| Q2 2025 | 40% | +7.4 points |
| Q1 2025 | 17% | -17 points |
| Q4 2024 | 33% | +12 points |
UMBF has the edge over BAC on profitability, with a higher operating margin.
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.
UMBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $358.9M | +39% |
| Q2 2026 | $330.8M | +22% |
| Q1 2026 | $356.8M | +0.7% |
| Q4 2025 | $95.3M | +$172.4M |
| Q3 2025 | $257.8M | +119% |
| Q2 2025 | $270.8M | +154% |
| Q1 2025 | $354.2M | +559% |
| Q4 2024 | -$77.1M | -195% |
UMBF 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 UMBF 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.
UMBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +112K shares |
| 1 year | +0.2% | +137K shares |
| 3 years | +57% | +27.8M shares |
| 5 years | +57% | +27.8M shares |
| Available history | +56% | +27.4M shares |
UMBF has 77M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5.1M |
| Q1 2026 | $32.8M |
| Q4 2025 | $79,000 |
| Q3 2025 | $1.8M |
| Q2 2025 | $290,000 |
| Q1 2025 | $15.4M |
| Q4 2024 | — |
UMBF spent $38M buying back its own shares over the past year, up 116% 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.
UMBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.0x | Net Cash |
| Q2 2026 | -3.9x | Net Cash |
| Q1 2026 | -4.6x | Net Cash |
| Q4 2025 | -7.2x | Net Cash |
| Q3 2025 | -9.7x | Net Cash |
| Q2 2025 | -13.9x | Net Cash |
| Q1 2025 | -17.5x | Net Cash |
| Q4 2024 | -13.6x | Net Cash |
UMBF 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).
UMBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.3 | Neutral |
| Stochastic | 30.0 | Neutral |
UMBF's weekly RSI is 48 (neutral) and its Stochastic is 30 (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.
UMBF PE vs Financial Services Sector
| Metric | UMBF | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 15 | 63 | 48 pts below |
UMBF 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.
UMBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $133.2 | 0.2% above |
| 20 week MA | $139.6 | 4.4% below |
| 50 week MA | $129.9 | 2.8% above |
| 100 week MA | $119.4 | 12% above |
| 200 week MA | $100.2 | 33% above |
UMBF 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.
UMBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $68.8 | $69.2 | +0.5% |
| 2021 | $69.2 | $105.2 | +52% |
| 2022 | $105.2 | $82.2 | -22% |
| 2023 | $82.2 | $83.6 | +1.7% |
| 2024 | $83.6 | $113.7 | +36% |
| 2025 | $113.7 | $118.9 | +4.6% |
| 2026 YTD | $118.9 | $133.5 | +12% |
UMBF has the edge over BAC on returns for 2026, with the stronger performance.