BAC
Bank of America Corporation
BAC has the edge over UNTY overall, supported by stronger valuation and stronger fundamentals.
UNTY
Unity Bancorp, Inc.
UNTY's outlook is improving, though it still trails on the overall score.
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.
UNTY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UNTY'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 UNTY.
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 UNTY in the historical PE scenario, which offers more potential upside but is not a forecast.
UNTY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.8x | $41.11 | -30% |
| Fair | 8.4x | $50.62 | -13% |
| Forward | 9.3x | $58.34 | — |
| Current | 9.7x | $58.34 | — |
| Expensive | 10x | $60.94 | +4.5% |
Historical ranges are pointers, not guarantees.
UNTY's PE is in its expensive range at 9.7x. If earnings grow as analysts expect, today's price would be 9.3x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over UNTY on the outlook, with more favorable valuation and profitability expectations.
UNTY Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UNTY, with profitability holding steady.
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.
UNTY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.27 | +3.7% |
| Q3 2026 | $6.04 | +14% |
| Q2 2026 | $5.75 | +16% |
| Q1 2026 | $5.94 | +39% |
| Q4 2025 | $5.67 | +40% |
| Q3 2025 | $5.28 | +36% |
| Q2 2025 | $4.94 | +30% |
| Q1 2025 | $4.26 | +12% |
| Q4 2024 | $4.06 | +5.7% |
UNTY has the edge over BAC on earnings, with stronger typical year-over-year growth.
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.
UNTY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $36.7M | +12% |
| Q2 2026 | $33.7M | -1.8% |
| Q1 2026 | $33.6M | +14% |
| Q4 2025 | $35.3M | +24% |
| Q3 2025 | $32.8M | +19% |
| Q2 2025 | $34.4M | +35% |
| Q1 2025 | $29.4M | +15% |
| Q4 2024 | $28.4M | +6.8% |
UNTY's revenue is growing: $37M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 55% | -2.9 points |
| Q2 2026 | 55% | -7.4 points |
| Q1 2026 | 55% | +2.5 points |
| Q4 2025 | 56% | +4.8 points |
| Q3 2025 | 57% | +4.8 points |
| Q2 2025 | 63% | +13 points |
| Q1 2025 | 53% | +2.5 points |
| Q4 2024 | 51% | +2 points |
UNTY 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 has the edge over UNTY on cash flow, with more consistent year-over-year improvement.
UNTY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $48.2M | +6.3% |
| Q2 2026 | -$38.8M | -$13.3M |
| Q1 2026 | $14.5M | -18% |
| Q4 2025 | $6.9M | -69% |
| Q3 2025 | $45.3M | +159% |
| Q2 2025 | -$25.5M | -$16.9M |
| Q1 2025 | $17.6M | +12% |
| Q4 2024 | $22.7M | -8.3% |
UNTY's free cash flow was $31M over the past year, down 49% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UNTY.
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 UNTY 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.
UNTY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +12K shares |
| 1 year | 0% | -- |
| 3 years | -0.2% | -25K shares |
| 5 years | -2.6% | -274K shares |
| Available history | -7.2% | -796K shares |
UNTY has 10M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $324,000 |
| Q4 2025 | $3.1M |
| Q3 2025 | — |
| Q4 2024 | $11,000 |
| Q3 2024 | $281,000 |
| Q2 2024 | $1.8M |
UNTY spent $3M buying back its own shares over the past year.
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.
UNTY 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).
UNTY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 48.4 | Neutral |
UNTY's weekly RSI is 55 (neutral) and its Stochastic is 48 (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.
UNTY PE vs Financial Services Sector
| Metric | UNTY | Sector median | Relative |
|---|---|---|---|
| PE | 9.7x | 13x | 26% below |
| PE % | 75 | 63 | 12 pts above |
UNTY 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.
UNTY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $56.6 | 3% above |
| 20 week MA | $58.0 | 0.6% above |
| 50 week MA | $55.4 | 5.3% above |
| 100 week MA | $50.9 | 15% above |
| 200 week MA | $39.7 | 47% above |
UNTY 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.
UNTY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.7 | $17.3 | -24% |
| 2021 | $17.3 | $25.3 | +47% |
| 2022 | $25.3 | $27.4 | +8% |
| 2023 | $27.4 | $29.6 | +8.2% |
| 2024 | $29.6 | $43.3 | +46% |
| 2025 | $43.3 | $52.5 | +21% |
| 2026 YTD | $52.5 | $58.3 | +11% |
UNTY has the edge over BAC on returns for 2026, with the stronger performance.