BAC
Bank of America Corporation
BAC has the edge over UNB overall, supported by stronger fundamentals and stronger modeled upside.
UNB
Union Bankshares, Inc.
UNB 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.
UNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UNB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UNB.
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.
UNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $22.58 | -1.1% |
| Current | 8.8x | $22.84 | — |
| Fair | 10x | $26.37 | +15% |
| Expensive | 13x | $33.37 | +46% |
Historical ranges are pointers, not guarantees.
UNB 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
UNB Forward outlook
There aren't enough analyst estimates for UNB 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 UNB on earnings, with more consistent year-over-year improvement.
UNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.60 | +5.3% |
| Q2 2026 | $2.59 | +29% |
| Q1 2026 | $2.51 | +29% |
| Q4 2025 | $2.41 | +26% |
| Q3 2025 | $2.47 | +27% |
| Q2 2025 | $2.01 | -8.6% |
| Q1 2025 | $1.94 | -17% |
| Q4 2024 | $1.92 | -23% |
UNB earned $2.60 per share over the past year, up 5.3% 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 UNB 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's operating margin was 30% last quarter, down 3.7 points from the same quarter a year ago.
UNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $15M | +3.3% |
| Q2 2026 | $14.9M | +13% |
| Q1 2026 | $13.8M | +8.5% |
| Q4 2025 | $14.1M | +6.3% |
| Q3 2025 | $14.5M | +31% |
| Q2 2025 | $13.2M | +7.8% |
| Q1 2025 | $12.7M | +9.8% |
| Q4 2024 | $13.2M | +12% |
UNB's revenue has grown year over year for eight quarters in a row: $15M last quarter, up 3.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2021 | 30% | +0.5 points |
| Q1 2021 | 31% | +5.6 points |
| Q4 2020 | 35% | +5.4 points |
| Q3 2020 | 36% | N/A |
| Q2 2020 | 29% | N/A |
| Q1 2020 | 25% | N/A |
| Q4 2019 | 30% | N/A |
UNB's operating margin was 30% last quarter, up 0.5 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.
UNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $849K | -91% |
| Q2 2026 | $6M | +$6.4M |
| Q1 2026 | $2.5M | -37% |
| Q4 2025 | $2.9M | -49% |
| Q3 2025 | $9.6M | +793% |
| Q2 2025 | -$381K | -113% |
| Q1 2025 | $3.9M | +165% |
| Q4 2024 | $5.6M | +155% |
UNB's free cash flow was $12M over the past year, down 35% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UNB.
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 UNB 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.
UNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3% | +145K shares |
| 1 year | +8.2% | +378K shares |
| 3 years | +9.6% | +438K shares |
| 5 years | +10% | +465K shares |
| Available history | +11% | +509K shares |
UNB has 5M diluted shares, up 8.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $15,000 |
| Q3 2023 | $55,000 |
| Q2 2023 | — |
| Q1 2023 | $60,000 |
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.
UNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2021 | -0.3x | Net Cash |
| Q1 2021 | -0.3x | Net Cash |
| Q4 2020 | 0.1x | Very low |
| Q3 2020 | -0.3x | Net Cash |
| Q2 2020 | -0.4x | Net Cash |
| Q1 2020 | -0.5x | Net Cash |
| Q4 2019 | 3.0x | Moderate |
UNB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UNB.
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).
UNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.3 | Neutral |
| Stochastic | 16.2 | Oversold |
UNB's weekly RSI is 42 (neutral) and its Stochastic is 16 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
UNB PE vs Financial Services Sector
| Metric | UNB | Sector median | Relative |
|---|---|---|---|
| PE | 8.8x | 13x | 33% below |
| PE % | 18 | 63 | 45 pts below |
UNB 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 the edge over UNB on trend strength, trading above more of its moving averages.
UNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.0 | 0.8% below |
| 20 week MA | $23.8 | 3.8% below |
| 50 week MA | $23.9 | 4.4% below |
| 100 week MA | $26.1 | 12% below |
| 200 week MA | $25.9 | 12% below |
UNB is in a downtrend: it's below all five of its weekly moving averages, and 12% 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.
UNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.1 | $25.8 | -30% |
| 2021 | $25.8 | $30.3 | +17% |
| 2022 | $30.3 | $23.2 | -23% |
| 2023 | $23.2 | $30.7 | +32% |
| 2024 | $30.7 | $28.6 | -6.7% |
| 2025 | $28.6 | $23.5 | -18% |
| 2026 YTD | $23.5 | $22.8 | -2.9% |
UNB has the edge over BAC on returns for 2026, with the stronger performance.