BAC Brief — Fiscal Wizard

Fundamentals

50.9

EDGAR + yfinance fundamentals, percentile-ranked within the universe.

Valuation 84.3

Strong Valuation — most metrics are scoring well above the universe median.

Metric	Weight	Raw	Score
EV/EBITDA ↓	1.00	—	—
EV/FCF ↓ Expensive on cash generation - growth or quality must justify the premium.	1.00	45.8804	50.0
EV/Sales ↓ Premium revenue multiple even after netting cash - usually high gross-margin businesses.	1.00	5.1168	85.7
P/B ↓ Market values the franchise far above its book equity - common for branded consumer or software businesses.	1.00	1.3643	100.0
P/E (TTM) ↓ Investors are paying a premium relative to current earnings, betting on growth, margin expansion, or perceived quality.	1.00	13.0893	100.0
P/S Ratio ↓ Market is paying up for revenue - implicitly betting on margin expansion or revenue growth.	1.00	3.3099	85.7
PEG ↓	1.00	—	—

Profitability 25.0

Weak Profitability — most metrics in this section are scoring below the universe median.

Metric	Weight	Raw	Score
Asset Turnover ↑ Heavy assets needed per dollar of revenue - utilities, telecoms, capital goods.	1.00	0.0331	14.3
Cash Conversion ↑ Earnings exceed cash - common late-cycle warning when receivables and inventories are building.	1.00	0.4134	28.6
FCF Margin ↑ Revenue isn't translating into cash - either capex is heavy or working capital is consuming it.	1.00	11.1524	42.9
Free Cash Flow Yield ↑ Strong cash income relative to price - attractive when growth doesn't have to do all the work.	1.00	3.3694	71.4
Gross Margin ↑	1.00	—	—
Net Margin ↑ Either operating margins are thin or below-the-line items are eating earnings.	1.00	26.9760	28.6
OCF to Net Income ↑ Net income running ahead of operating cash - check accruals (receivables, deferred revenue, inventories).	1.00	0.4134	14.3
Operating Margin ↑	1.00	—	—
ROIC (Greenblatt ROC) ↑	1.00	—	—
Return on Assets ↑ Heavy asset base is needed to generate each dollar of profit - common in capital-intensive industries.	1.00	0.8942	0.0
Return on Equity ↑ Equity earning power is weak - sometimes due to over-capitalization, sometimes due to genuine underperformance.	1.00	10.0609	0.0

Balance Sheet 14.3

Weak Balance Sheet — most metrics in this section are scoring below the universe median.

Metric	Weight	Raw	Score
Cash Ratio ↑	1.00	—	—
Current Ratio ↑	1.00	—	—
Debt-to-Equity ↓ Conservative balance sheet - lower bankruptcy risk, but may be under-levered for shareholder returns.	1.00	10.2508	14.3
LT Debt-to-Equity ↓	1.00	—	—

Income 83.3

Strong Income — most metrics are scoring well above the universe median.

Metric	Weight	Raw	Score
Dividend Yield ↑ Real income today - sustainability depends on payout ratio and free cash flow coverage.	1.00	2.1232	66.7
Earnings Yield ↑ Earnings stream is large relative to price - attractive when treasury yields are low.	1.00	7.6398	100.0

Composite 57.1

Above-average Composite — more positives than negatives in this section.

Metric	Weight	Raw	Score
Altman Z-Score ↑	1.00	—	—
Piotroski F-Score ↑ Fundamentals deteriorating across the board - turnaround story or value trap.	1.00	2.0000	42.9
Sloan Ratio ↓ Net income outpacing cash by an unusual amount - earnings quality may be deteriorating.	1.00	0.0052	71.4

Technicals

Recency-weighted directional read across 27 fiscal_wizard signals.

Momentum 53.0

Mixed Momentum — roughly balanced strengths and weaknesses.

Signal	Last trigger	60d hits	Weight	Score
Connors RSI(2) Active pullback-buy in an established uptrend — price bouncing off a 2-period oversold reading.	↑ 7d ago	23	1.00	85.2
MACD Divergence MACD and price agreeing; no divergence to act on.	↓ 84d ago	0	1.00	49.3
RSI Divergence RSI and price are aligned; no divergence in the recent window.	↓ 152d ago	0	1.00	50.0
Stochastic Cross %K crossed down through %D from overbought — short-term sell trigger.	↓ 16d ago	3	1.00	27.5

Trend 80.6

Strong Trend — most metrics are scoring well above the universe median.

Signal	Last trigger	60d hits	Weight	Score
ADX Trend Weakness ADX is above the weak threshold — trend strategies are workable.	↑ 79d ago	0	1.00	51.0
Donchian Breakout Active long breakout state — close above the N-day highest high.	↑ today	54	1.00	100.0
Ichimoku Full Ichimoku bear setup — price below cloud, tenkan under kijun, cloud projecting red.	↓ 52d ago	1	1.00	46.3
MA Crossover Fast MA above slow MA — bullish bias state held.	↑ 2d ago	8	1.00	95.2
Parabolic SAR Flip SAR flipped from above to below price — switch to long bias.	↑ 4d ago	6	1.00	90.9
Regime Filter Price above the long-term MA — bullish regime, gate longs on.	↑ today	34	1.00	100.0

Price Action 60.9

Above-average Price Action — more positives than negatives in this section.

Signal	Last trigger	60d hits	Weight	Score
Doji Indecision candle after a downtrend — buyers and sellers in balance, watch for follow-through.	↑ 33d ago	2	1.00	59.6
Double 7s Active Connors Double-7 pullback in an uptrend — buy the 7-day low, sell the 7-day high.	↑ 6d ago	52	1.00	87.0
Engulfing Up candle fully engulfed the prior down body after a downtrend — reversal-up tell.	↑ 8d ago	3	1.00	83.5
Fibonacci Retracement Price interacted with a key Fibonacci level on its way up — likely springboard or resistance to clear.	↑ today	60	1.00	100.0
Head and Shoulders Inverse H&S confirmed — three-trough bottoming pattern that broke its neckline up.	↑ 26d ago	2	1.00	63.6
MA Rejection Price tagged a key MA and rolled — moving average held as resistance.	↓ 22d ago	12	1.00	33.4
Multi Top/Bottom Price retested a prior high and rolled — multi-top resistance confirmed.	↓ 2d ago	6	1.00	4.8
Pin Bar Long lower wick rejected the prior downswing — buyers stepped in at the low.	↑ 43d ago	2	1.00	55.8
Star No completed star pattern recently.	↓ 69d ago	0	1.00	48.4
Sushi Roll Outside-range bar after a downtrend closed up — reversal-up reversal pattern.	↑ 60d ago	0	1.00	52.5
Trendline Break Decisive close above a downward trendline — resistance line gave way.	↑ 8d ago	9	1.00	83.5
Wedge Pattern Falling wedge resolved up — compression broke in favor of buyers.	↑ 36d ago	23	1.00	58.3

Volume 64.4

Above-average Volume — more positives than negatives in this section.

Signal	Last trigger	60d hits	Weight	Score
Declining Volume Decline running on falling volume — sellers losing conviction, reversal candidate.	↑ 3d ago	19	1.00	93.0
OBV Divergence OBV and price moving together; accumulation/distribution is in line with the tape.	↑ 114d ago	0	1.00	50.2
Volume Climax No climax bar in the recent window; volume profile is unremarkable.	↑ 272d ago	0	1.00	50.0

Volatility 18.8

Weak Volatility — most metrics in this section are scoring below the universe median.

Signal	Last trigger	60d hits	Weight	Score
Bollinger Mean Reversion Active short mean-reversion held — price tagged the upper band, exits at the midline.	↓ 4d ago	21	1.00	9.1
Bollinger Reentry Price closed back inside the bands from above — short-term reversion-short signal.	↓ 17d ago	1	1.00	28.6