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.
WTFC
Wintrust Financial Corporation
There isn't enough reported data to score WTFC 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.
WTFC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
WTFC'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 WTFC.
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 WTFC in the historical PE scenario, which offers more potential upside but is not a forecast.
WTFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.1x | $119 | -23% |
| Forward | 11x | $154 | — |
| Fair | 12x | $152 | -1.7% |
| Current | 12x | $154 | — |
| Expensive | 13x | $169 | +9.4% |
Historical ranges are pointers, not guarantees.
WTFC's PE is 12x, 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 |
Analysts expect earnings and revenue growth for BAC, with profitability improving.
WTFC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WTFC, 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 has the edge over WTFC on earnings, with stronger typical year-over-year growth.
WTFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.90 | +6.6% |
| Q3 2026 | $13.04 | +20% |
| Q2 2026 | $12.45 | +18% |
| Q1 2026 | $11.93 | +18% |
| Q4 2025 | $11.40 | +11% |
| Q3 2025 | $10.88 | +14% |
| Q2 2025 | $10.57 | +10% |
| Q1 2025 | $10.11 | +4.6% |
| Q4 2024 | $10.31 | +7.6% |
WTFC's earnings per share have climbed steadily: $13.04 over the past year, up 20% from the year before, and higher year over year for eight quarters in a row.
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.
WTFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $757.9M | +8.6% |
| Q2 2026 | $738.6M | +10% |
| Q1 2026 | $713.2M | +11% |
| Q4 2025 | $714.3M | +12% |
| Q3 2025 | $697.8M | +13% |
| Q2 2025 | $670.8M | +13% |
| Q1 2025 | $643.1M | +6.3% |
| Q4 2024 | $638.6M | +12% |
WTFC has the edge over BAC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | +0.6 points |
| Q2 2026 | 43% | +3.2 points |
| Q1 2026 | 42% | +2.9 points |
| Q4 2025 | 42% | +2.7 points |
| Q3 2025 | 42% | +4.6 points |
| Q2 2025 | 40% | +4.1 points |
| Q1 2025 | 39% | -2 points |
| Q4 2024 | 40% | +11 points |
WTFC 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% |
WTFC has the stronger cash trend. Its trailing FCF is up 121% versus its history, compared with BAC at up 119%.
WTFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $357.8M | +71% |
| Q2 2026 | $255.1M | -22% |
| Q1 2026 | $927.2M | +674% |
| Q3 2025 | $209.8M | +$288.1M |
| Q2 2025 | $329.2M | +81% |
| Q1 2025 | $119.8M | +98% |
| Q4 2024 | $471.2M | +104% |
| Q3 2024 | -$78.3M | -215% |
WTFC's free cash flow was $1.7B over the past year, up 108% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WTFC.
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 WTFC 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.
WTFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +92K shares |
| 1 year | +0.6% | +398K shares |
| 3 years | +10% | +6.2M shares |
| 5 years | +18% | +10.6M shares |
| Available history | +19% | +10.8M shares |
WTFC has 68M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $9.5M |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | $54.9M |
| Q3 2020 | — |
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.
WTFC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.6x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.6x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.7x | Very low |
WTFC 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).
WTFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 54.8 | Neutral |
WTFC's weekly RSI is 55 (neutral) and its Stochastic is 55 (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.
WTFC PE vs Financial Services Sector
| Metric | WTFC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.1% below |
| PE % | 55 | 63 | 8 pts below |
WTFC 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.
WTFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $148.4 | 4% above |
| 20 week MA | $153.7 | 0.5% above |
| 50 week MA | $149.4 | 3.3% above |
| 100 week MA | $136.9 | 13% above |
| 200 week MA | $114.4 | 35% above |
WTFC 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.
WTFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $70.8 | $61.9 | -13% |
| 2021 | $61.9 | $89.4 | +44% |
| 2022 | $89.4 | $83.3 | -6.9% |
| 2023 | $83.3 | $92.8 | +11% |
| 2024 | $92.8 | $125.2 | +35% |
| 2025 | $125.2 | $143.3 | +14% |
| 2026 YTD | $143.3 | $154.4 | +7.8% |
WTFC has the edge over BAC on returns for 2026, with the stronger performance.