BAC
Bank of America Corporation
BAC has lower modeled downside risk, despite its lower overall score.
WNEB
Western New England Bancorp, Inc.
WNEB has a slight edge over BAC overall on the model 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.
WNEB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
WNEB'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 WNEB.
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 WNEB in the historical PE scenario, which offers more potential upside but is not a forecast.
WNEB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $8.18 | -40% |
| Fair | 13x | $12.99 | -3.9% |
| Forward | 13x | $13.52 | — |
| Current | 14x | $13.52 | — |
| Expensive | 18x | $18.21 | +35% |
Historical ranges are pointers, not guarantees.
WNEB's PE is 14x, but its earnings don't support one, so it isn't a reliable read right now.
BAC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
BAC has the edge over WNEB on the outlook, with more favorable valuation expectations.
WNEB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for WNEB, 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'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.
WNEB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.04 | +4.3% |
| Q3 2026 | $1.00 | +52% |
| Q2 2026 | $0.84 | +42% |
| Q1 2026 | $0.89 | +68% |
| Q4 2025 | $0.76 | +36% |
| Q3 2025 | $0.66 | +27% |
| Q2 2025 | $0.59 | -7.8% |
| Q1 2025 | $0.53 | -12% |
| Q4 2024 | $0.56 | -20% |
WNEB earned $1.00 per share over the past year, up 52% from the year before. Its recent earnings include one-off gains.
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.
WNEB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.9M | +12% |
| Q2 2026 | $22.7M | +7.9% |
| Q1 2026 | $22.3M | +22% |
| Q4 2025 | $22M | +19% |
| Q3 2025 | $21.3M | +19% |
| Q2 2025 | $21.1M | +15% |
| Q1 2025 | $18.3M | +1.5% |
| Q4 2024 | $18.5M | -1.9% |
WNEB's revenue has grown year over year for seven quarters in a row: $24M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +15 points |
| Q2 2026 | 21% | -7.4 points |
| Q1 2026 | 28% | +12 points |
| Q4 2025 | 30% | +6.5 points |
| Q3 2025 | 20% | +5.6 points |
| Q2 2025 | 29% | +5.2 points |
| Q1 2025 | 16% | -4.8 points |
| Q4 2024 | 24% | +4.4 points |
WNEB 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 stronger cash trend. Its trailing FCF is up 119% versus its history, compared with WNEB at down 3%.
WNEB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $5.9M | -14% |
| Q1 2026 | -$388K | +$853K |
| Q4 2025 | $6.4M | +22% |
| Q2 2025 | $6.8M | +247% |
| Q1 2025 | -$1.2M | -206% |
| Q4 2024 | $5.2M | -30% |
| Q1 2024 | $1.2M | +$7.2M |
| Q4 2023 | $7.5M | -54% |
WNEB's free cash flow was $19M over the past year, up 48% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WNEB.
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 WNEB 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.
WNEB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -103K shares |
| 1 year | -2.2% | -450K shares |
| 3 years | -8.7% | -1.9M shares |
| 5 years | -13% | -2.9M shares |
| Available history | -25% | -6.5M shares |
WNEB has 20M diluted shares, down 2.2% from a year ago, with $9M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.9M |
| Q2 2026 | $2.7M |
| Q1 2026 | $2.8M |
| Q4 2025 | $1.2M |
| Q3 2025 | $24,000 |
| Q2 2025 | $2.8M |
| Q1 2025 | $2.1M |
| Q4 2024 | $2M |
WNEB spent $9M buying back its own shares over the past year, up 37% 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.
WNEB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.2x | Healthy |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | 4.7x | High |
| Q4 2025 | 4.5x | High |
| Q3 2025 | 4.9x | High |
| Q2 2025 | 5.2x | High |
| Q1 2025 | 5.9x | High |
| Q4 2024 | 6.3x | High |
WNEB 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).
WNEB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.9 | Neutral |
| Stochastic | 44.0 | Neutral |
WNEB's weekly RSI is 48 (neutral) and its Stochastic is 44 (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 WNEB on valuation relative to its sector.
WNEB PE vs Financial Services Sector
| Metric | WNEB | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 3.8% above |
| PE % | 52 | 63 | 11 pts below |
WNEB is trading at 14x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
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.
WNEB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $13.8 | 1.7% below |
| 20 week MA | $13.8 | 2.3% below |
| 50 week MA | $13.5 | 0.1% below |
| 100 week MA | $11.9 | 14% above |
| 200 week MA | $9.78 | 38% above |
WNEB 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.
WNEB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.61 | $6.75 | -30% |
| 2021 | $6.75 | $8.61 | +28% |
| 2022 | $8.61 | $9.56 | +11% |
| 2023 | $9.56 | $9.00 | -5.9% |
| 2024 | $9.00 | $9.19 | +2.1% |
| 2025 | $9.19 | $12.8 | +39% |
| 2026 YTD | $12.8 | $13.5 | +5.5% |
WNEB has the edge over BAC on returns for 2026, with the stronger performance.