BAC
Bank of America Corporation
BAC has the edge over XRN overall, supported by stronger fundamentals and stronger modeled upside.
XRN
Chiron Real Estate Inc.
XRN offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
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.
XRN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
XRN'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 XRN.
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.
XRN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 7.6x | $26.58 | — |
| Cheap | 36x | $127 | +378% |
| Fair | 50x | $173 | +550% |
| Expensive | 109x | $381 | +1335% |
Historical ranges are pointers, not guarantees.
XRN 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 XRN on the outlook, with more favorable earnings and revenue expectations.
XRN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Decline | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect XRN's losses to grow, with revenue declining.
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 XRN on earnings, with more consistent year-over-year improvement.
XRN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.49 | +$3.74 |
| Q2 2026 | $3.71 | +960% |
| Q1 2026 | -$1.12 | -847% |
| Q4 2025 | -$0.91 | -1920% |
| Q3 2025 | -$0.25 | -$0.15 |
| Q2 2025 | $0.35 | +$0.35 |
| Q1 2025 | $0.15 | -87% |
| Q4 2024 | $0.05 | -96% |
XRN has returned to profit: it earned $3.49 per share over the past year, after losing money 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 XRN 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.
XRN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $40.3M | +8.3% |
| Q2 2026 | $39.7M | +4.7% |
| Q1 2026 | $38.1M | +10% |
| Q4 2025 | $38.4M | +9.2% |
| Q3 2025 | $37.2M | +8.7% |
| Q2 2025 | $38M | +11% |
| Q1 2025 | $34.6M | -1.4% |
| Q4 2024 | $35.2M | +6.7% |
XRN's revenue has grown year over year for six quarters in a row: $40M last quarter, up 8.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 65% | N/A |
| Q2 2026 | 75% | N/A |
XRN 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.
XRN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.3M | -53% |
| Q2 2026 | $19.5M | -12% |
| Q1 2026 | $11.2M | -8.7% |
| Q4 2025 | $21.6M | +5.4% |
| Q3 2025 | $17.6M | +7.8% |
| Q2 2025 | $22.1M | +17% |
| Q1 2025 | $12.3M | -14% |
| Q4 2024 | $20.5M | +13% |
XRN's free cash flow was $61M over the past year, down 16% from the year before. Free cash flow isn't a meaningful measure for financial services companies like XRN.
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 XRN 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.
XRN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +5K shares |
| 1 year | -1.1% | -153K shares |
| 3 years | +1% | +127K shares |
| 5 years | +3.1% | +399K shares |
| Available history | +75% | +5.7M shares |
XRN has 13M diluted shares, down 1.1% from 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'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.
XRN 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).
XRN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.3 | Oversold |
| Stochastic | 10.9 | Oversold |
XRN's weekly RSI is 25 (oversold) and its Stochastic is 11 (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 is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
XRN PE vs Financial Services Sector
| Metric | XRN | Sector median | Relative |
|---|---|---|---|
| PE | 7.6x | 13x | 41% below |
| PE % | 0 | 63 | 63 pts below |
XRN 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 the edge over XRN on trend strength, trading above more of its moving averages.
XRN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.2 | 15% below |
| 20 week MA | $34.5 | 23% below |
| 50 week MA | $34.8 | 24% below |
| 100 week MA | $35.5 | 25% below |
| 200 week MA | $41.3 | 36% below |
XRN is in a downtrend: it's below all five of its weekly moving averages, and 36% below its 200-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 the edge over XRN on returns for 2026, with the stronger performance.
XRN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $64.6 | $67.0 | +3.7% |
| 2021 | $67.0 | $85.8 | +28% |
| 2022 | $85.8 | $46.9 | -45% |
| 2023 | $46.9 | $55.5 | +18% |
| 2024 | $55.5 | $38.1 | -31% |
| 2025 | $38.1 | $33.5 | -12% |
| 2026 YTD | $33.5 | $26.6 | -21% |
XRN has finished lower in three of the last six years. It's down 21% so far in 2026.