BAC
Bank of America Corporation
BAC has the edge over WABC overall, supported by stronger fundamentals and stronger modeled upside.
WABC
Westamerica Bancorporation
WABC'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.
WABC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
WABC'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 WABC.
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 WABC in the historical PE scenario, which offers more potential upside but is not a forecast.
WABC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $40.14 | -33% |
| Forward | 12x | $59.64 | — |
| Fair | 13x | $60.53 | +1.5% |
| Current | 13x | $59.64 | — |
| Expensive | 19x | $89.76 | +51% |
Historical ranges are pointers, not guarantees.
WABC's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over WABC on the outlook, with more favorable revenue expectations.
WABC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect WABC's earnings to grow and its profitability to improve, with its revenue 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 has the edge over WABC on earnings, with more consistent year-over-year improvement.
WABC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.89 | +5.5% |
| Q3 2026 | $4.64 | +1.1% |
| Q2 2026 | $4.54 | -5% |
| Q1 2026 | $4.49 | -10% |
| Q4 2025 | $4.52 | -13% |
| Q3 2025 | $4.59 | -16% |
| Q2 2025 | $4.78 | -17% |
| Q1 2025 | $4.99 | -16% |
| Q4 2024 | $5.20 | -14% |
WABC earned $4.64 per share over the past year, up 1.1% 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 WABC on sales, with more consistent year-over-year improvement.
| 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.
WABC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $64.1M | +0.5% |
| Q2 2026 | $62.8M | -2.8% |
| Q1 2026 | $62.1M | -6.5% |
| Q4 2025 | $63.3M | -9% |
| Q3 2025 | $63.7M | -14% |
| Q2 2025 | $64.6M | -13% |
| Q1 2025 | $66.4M | -12% |
| Q4 2024 | $69.6M | -13% |
WABC's revenue has slid since its 2023 peak: $64M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 59% | -0.5 points |
| Q2 2026 | 59% | -2 points |
| Q1 2026 | 59% | -4.3 points |
| Q4 2025 | 60% | -3.1 points |
| Q3 2025 | 60% | -5 points |
| Q2 2025 | 60% | -4.3 points |
| Q1 2025 | 63% | -2.2 points |
| Q4 2024 | 63% | -5.4 points |
WABC 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 WABC on cash flow, with more consistent year-over-year improvement.
WABC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33M | +15% |
| Q2 2026 | $15.2M | -33% |
| Q1 2026 | $38.7M | -8.2% |
| Q4 2025 | $25.9M | -11% |
| Q3 2025 | $28.7M | -28% |
| Q2 2025 | $22.8M | +23% |
| Q1 2025 | $42.2M | -19% |
| Q4 2024 | $29.1M | +$37.4M |
WABC's free cash flow was $113M over the past year, down 8.1% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WABC.
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 7.2B diluted shares, down 5.3% from a year ago, with $25.6B in buybacks over the past year.
| 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.
WABC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -196K shares |
| 1 year | -8.8% | -2.2M shares |
| 3 years | -13% | -3.5M shares |
| 5 years | -14% | -3.8M shares |
| Available history | -14% | -3.9M shares |
WABC has the edge over BAC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.9M |
| Q2 2026 | $41.5M |
| Q1 2026 | $51M |
| Q4 2025 | $23.3M |
| Q3 2025 | $23.9M |
| Q2 2025 | $38.3M |
| Q1 2025 | $18.2M |
| Q4 2024 | — |
WABC spent $119M buying back its own shares over the past year, up 48% 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.
WABC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -2.6x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | -2.9x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -2.4x | Net Cash |
WABC 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).
WABC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.9 | Neutral |
| Stochastic | 63.1 | Neutral |
WABC's weekly RSI is 55 (neutral) and its Stochastic is 63 (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 has the edge over WABC on valuation relative to its sector.
WABC PE vs Financial Services Sector
| Metric | WABC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 1.3% below |
| PE % | 47 | 63 | 16 pts below |
WABC 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.
WABC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $60.2 | 1% below |
| 20 week MA | $59.8 | 0.3% below |
| 50 week MA | $55.4 | 7.7% above |
| 100 week MA | $52.3 | 14% above |
| 200 week MA | $50.4 | 18% above |
WABC 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.
WABC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $67.9 | $54.2 | -20% |
| 2021 | $54.2 | $56.9 | +4.9% |
| 2022 | $56.9 | $58.6 | +3% |
| 2023 | $58.6 | $56.4 | -3.7% |
| 2024 | $56.4 | $52.5 | -6.9% |
| 2025 | $52.5 | $49.1 | -6.5% |
| 2026 YTD | $49.1 | $59.6 | +21% |
WABC has the edge over BAC on returns for 2026, with the stronger performance.