GS
The Goldman Sachs Group, Inc.
GS's outlook is improving, though it still trails on the overall score.
TOWN
TowneBank
TOWN has a slight edge over GS overall, supported by stronger modeled upside and stronger fundamentals.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
TOWN Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
TOWN's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like TOWN.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
TOWN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.8x | $34.90 | -4.6% |
| Current | 10x | $36.59 | — |
| Forward | 11x | $36.59 | — |
| Fair | 12x | $44.23 | +21% |
| Expensive | 16x | $57.49 | +57% |
Historical ranges are pointers, not guarantees.
TOWN has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over TOWN on the outlook, with more favorable valuation and profitability expectations.
TOWN Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TOWN, with profitability holding steady.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over TOWN on earnings, with more consistent year-over-year improvement.
TOWN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.32 | -6.6% |
| Q2 2026 | $3.56 | +54% |
| Q1 2026 | $1.99 | -16% |
| Q4 2025 | $2.21 | +2.8% |
| Q3 2025 | $2.25 | +13% |
| Q2 2025 | $2.31 | +14% |
| Q1 2025 | $2.36 | +17% |
| Q4 2024 | $2.15 | +3.9% |
| Q3 2024 | $1.99 | -14% |
TOWN earned $3.56 per share over the past year, up 54% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over TOWN on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
TOWN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $497.4M | +79% |
| Q1 2026 | $260.5M | -0.2% |
| Q4 2025 | $255.1M | +0.5% |
| Q3 2025 | $287.1M | +11% |
| Q2 2025 | $277.9M | +6.5% |
| Q1 2025 | $261.2M | +4.1% |
| Q4 2024 | $253.9M | +9% |
| Q3 2024 | $258.9M | +6.7% |
TOWN's revenue is growing: $497M last quarter, up 79% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 51% | +33 points |
| Q1 2026 | 19% | -3.4 points |
| Q4 2025 | 21% | +2 points |
| Q3 2025 | 16% | -2.6 points |
| Q2 2025 | 18% | -1.5 points |
| Q1 2025 | 23% | +5.7 points |
| Q4 2024 | 19% | +5.5 points |
| Q3 2024 | 19% | -3.5 points |
TOWN has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
TOWN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$38.6M | +$3.9M |
| Q1 2026 | $26.9M | -76% |
| Q4 2025 | $102.3M | +15% |
| Q3 2025 | $41.3M | +$97.6M |
| Q2 2025 | -$42.5M | -312% |
| Q1 2025 | $110.6M | +293% |
| Q4 2024 | $89.2M | +145% |
| Q3 2024 | -$56.3M | -162% |
TOWN has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over TOWN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
TOWN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.9% | +1.7M shares |
| 1 year | +22% | +16.9M shares |
| 3 years | +24% | +17.8M shares |
| 5 years | +27% | +19.9M shares |
| Available history | +28% | +20.2M shares |
TOWN has 92M diluted shares, up 22% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
TOWN hasn't bought back shares in the past year.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over TOWN on leverage, with a lower net debt burden relative to earnings.
TOWN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.7x | Very low |
| Q1 2026 | 1.7x | Healthy |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -3.7x | Net Cash |
| Q2 2025 | -3.4x | Net Cash |
| Q1 2025 | -4.3x | Net Cash |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -4.8x | Net Cash |
TOWN's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like TOWN.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
TOWN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.8 | Neutral |
| Stochastic | 49.9 | Neutral |
TOWN's weekly RSI is 53 (neutral) and its Stochastic is 50 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
TOWN PE vs Financial Services Sector
| Metric | TOWN | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 25 | 63 | 38 pts below |
TOWN has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
TOWN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $36.1 | 1.4% above |
| 20 week MA | $36.7 | 0.3% below |
| 50 week MA | $35.6 | 2.9% above |
| 100 week MA | $35.0 | 4.5% above |
| 200 week MA | $31.5 | 16% above |
TOWN has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
TOWN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.9 | $23.5 | -16% |
| 2021 | $23.5 | $31.6 | +35% |
| 2022 | $31.6 | $30.9 | -2% |
| 2023 | $30.9 | $29.8 | -3.8% |
| 2024 | $29.8 | $34.4 | +16% |
| 2025 | $34.4 | $33.7 | -2.1% |
| 2026 YTD | $33.7 | $36.6 | +8.6% |
TOWN has the edge over GS on returns for 2026, with the stronger performance.