BAC
Bank of America Corporation
BAC's fundamentals are strong: its operating margin rose 5 points to 35% and revenue grew 15%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
WSBK
Winchester Bancorp, Inc. Common Stock
There isn't enough reported data to score WSBK yet.
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.
WSBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
WSBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like WSBK.
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.
WSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 27x | $13.82 | 0% |
| Current | 27x | $13.82 | — |
| Fair | 50x | $25.95 | +88% |
| Expensive | 79x | $41.01 | +197% |
Historical ranges are pointers, not guarantees.
WSBK 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.
WSBK Forward outlook
There aren't enough analyst estimates for WSBK 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'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.
WSBK Earnings Per Share
WSBK and BAC do not have enough comparable growth data to identify a winner.
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 has the edge over WSBK on profitability, with a higher operating margin.
WSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.7M | +33% |
| Q2 2026 | $7.4M | +38% |
| Q1 2026 | $6.7M | +52% |
| Q4 2025 | $6.4M | +60% |
WSBK has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 22% | -1.2 points |
| Q2 2026 | 21% | +49 points |
| Q1 2026 | 22% | +14 points |
| Q4 2025 | 21% | +11 points |
| Q3 2025 | 23% | N/A |
| Q2 2025 | -28% | N/A |
| Q1 2025 | 8.5% | N/A |
| Q4 2024 | 10% | N/A |
WSBK's operating margin was 22% last quarter, down 1.2 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.
WSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.2M | +60% |
| Q2 2026 | $1.1M | -40% |
| Q1 2026 | $1.4M | +60% |
WSBK has the edge over BAC in the latest year-over-year cash flow comparison.
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 WSBK 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.
WSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +10.6K shares |
| 1 year | +0.2% | +16.8K shares |
WSBK has 9M diluted shares, about the same as a year ago.
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 has the edge over WSBK on leverage, with a lower net debt burden relative to earnings.
WSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 12.4x | High |
| Q2 2026 | 14.7x | High |
| Q1 2026 | 25.4x | High |
| Q4 2025 | 35.2x | High |
WSBK's net debt is about 12 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like WSBK.
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).
WSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 77.0 | Overbought |
| Stochastic | 91.1 | Overbought |
WSBK's weekly RSI is 77 (overbought) and its Stochastic is 91 (overbought).
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 WSBK on valuation relative to its sector.
WSBK PE vs Financial Services Sector
| Metric | WSBK | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 13x | 104% above |
| PE % | 18 | 18 | Same percentile |
WSBK is trading at 27x earnings, a 104% premium to 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 |
WSBK has stronger trend alignment. BAC is above 1 of 5 weekly averages versus WSBK above 3 of 3.
WSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $13.2 | 4.9% above |
| 20 week MA | $13.1 | 5.7% above |
| 50 week MA | $12.5 | 10% above |
WSBK is in an uptrend: it's above all three of its weekly moving averages, and 10% above its 50-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.
WSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $9.30 | $10.3 | +11% |
| 2026 YTD | $10.3 | $13.8 | +34% |
WSBK has the edge over BAC on returns for 2026, with the stronger performance.