Bank of America Corp (BAC)vsBanco Bilbao Viscaya Argentaria SA ADR (BBVA)
BAC
Bank of America Corp
$51.14
+0.57%
FINANCIAL SERVICES · Cap: $358.24B
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$25.01
-0.91%
FINANCIAL SERVICES · Cap: $138.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 237% more annual revenue ($114.87B vs $34.13B). BBVA leads profitability with a 32.6% profit margin vs 28.1%. BBVA appears more attractively valued with a PEG of 0.71. BBVA earns a higher WallStSmart Score of 72/100 (B).
BAC
Strong Buy72
out of 100
Grade: B
BBVA
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 31.3%
Generating 29.0B in free cash flow
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 56.4%
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Distress zone — elevated risk
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 56.4%. Revenue growth of 20.2% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.
Bear Case : BBVA
The primary concerns for BBVA are Debt/Equity, Piotroski F-Score, Altman Z-Score. Debt-to-equity of 1.80 is elevated, increasing financial risk.
Key Dynamics to Monitor
BAC profiles as a mature stock while BBVA is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.21 — expect wider price swings.
BBVA is growing revenue faster at 20.2% — sustainability is the question.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (72/100 vs 72/100), backed by strong 28.1% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of America Corp
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.
Visit Website →Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
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