BAC
Bank of America Corporation
BAC has the edge over USCB overall, supported by stronger fundamentals and stronger modeled upside.
USCB
USCB Financial Holdings, Inc.
USCB 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.
USCB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
USCB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like USCB.
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.
USCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.8x | $20.13 | — |
| Cheap | 11x | $18.10 | -10% |
| Fair | 13x | $20.88 | +3.7% |
| Current | 13x | $20.13 | — |
| Expensive | 17x | $26.97 | +34% |
Historical ranges are pointers, not guarantees.
USCB 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 USCB on the outlook, with more favorable earnings and profitability expectations.
USCB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| Moderate |
Analysts expect USCB's revenue to grow, but its profitability to weaken.
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.
USCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.05 | +27% |
| Q3 2026 | $1.61 | +1.9% |
| Q2 2026 | $1.55 | +4.7% |
| Q1 2026 | $1.46 | +5% |
| Q4 2025 | $1.33 | +7.3% |
| Q3 2025 | $1.58 | +52% |
| Q2 2025 | $1.48 | +68% |
| Q1 2025 | $1.39 | +78% |
| Q4 2024 | $1.24 | +48% |
USCB 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.
USCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $27M | +8.1% |
| Q2 2026 | $27.9M | +15% |
| Q1 2026 | $26.2M | +15% |
| Q4 2025 | $18M | -22% |
| Q3 2025 | $25M | +16% |
| Q2 2025 | $24.4M | +19% |
| Q1 2025 | $22.8M | +30% |
| Q4 2024 | $23M | +46% |
USCB's revenue is growing: $27M last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | -2.1 points |
| Q2 2026 | 45% | +1.5 points |
| Q1 2026 | 45% | +0.4 points |
| Q4 2025 | 18% | -21 points |
| Q3 2025 | 47% | +4.8 points |
| Q2 2025 | 44% | +4.2 points |
| Q1 2025 | 44% | +10 points |
| Q4 2024 | 40% | +17 points |
USCB 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.
USCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.9M | -30% |
| Q2 2026 | $24.2M | +35% |
| Q1 2026 | $15M | +2.6% |
| Q4 2025 | -$10.1M | -$7M |
| Q3 2025 | $20M | +80% |
| Q2 2025 | $18M | +1% |
| Q1 2025 | $14.6M | +84% |
| Q4 2024 | -$3.1M | +$2.9M |
USCB 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 USCB 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.
USCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -88.3K shares |
| 1 year | +1.5% | +276K shares |
| 3 years | -5.9% | -1.2M shares |
USCB has 18M diluted shares, up 1.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $1M |
| Q4 2025 | — |
| Q3 2025 | $34.4M |
| Q2 2025 | — |
| Q1 2025 | $174,000 |
| Q4 2024 | — |
USCB spent $1M buying back its own shares over the past year, down 97% 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.
USCB 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).
USCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.9 | Neutral |
| Stochastic | 14.9 | Oversold |
USCB's weekly RSI is 44 (neutral) and its Stochastic is 15 (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 has the edge over USCB on valuation relative to its sector.
USCB PE vs Financial Services Sector
| Metric | USCB | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 4% below |
| PE % | 43 | 66 | 23 pts below |
USCB is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
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.
USCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.2 | 4.9% below |
| 20 week MA | $21.7 | 7.1% below |
| 50 week MA | $20.1 | 0.3% above |
| 100 week MA | $18.7 | 7.4% above |
| 200 week MA | $15.6 | 29% above |
USCB 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.
USCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $10.8 | $14.6 | +35% |
| 2022 | $14.6 | $12.5 | -15% |
| 2023 | $12.5 | $12.3 | -1.7% |
| 2024 | $12.3 | $17.7 | +45% |
| 2025 | $17.7 | $18.7 | +5.8% |
| 2026 YTD | $18.7 | $20.1 | +7.5% |
USCB has the edge over BAC on returns for 2026, with the stronger performance.