WallStSmart

Bank of America Corp (BAC)vsOppenheimer Holdings Inc (OPY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 6883% more annual revenue ($113.93B vs $1.63B). BAC leads profitability with a 29.5% profit margin vs 6.0%. BAC appears more attractively valued with a PEG of 1.06. BAC earns a higher WallStSmart Score of 84/100 (A-).

BAC

Exceptional Buy

84

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 6.3Quality: 3.0
Piotroski: 5/9Altman Z: -0.27

OPY

Strong Buy

66

out of 100

Grade: B-

Growth: 8.7Profit: 5.5Value: 5.0Quality: 5.5
Piotroski: 5/9Altman Z: 2.08

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.2/10
Market CapQuality
$424.03B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
38.3%10/10

Strong operational efficiency at 38.3%

Free Cash FlowQuality
$41.77B10/10

Generating 41.8B in free cash flow

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

OPY4 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
588.0%10/10

Earnings expanding 588.0% YoY

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
23.1%8/10

Revenue surging 23.1% year-over-year

Areas to Watch

BAC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

Debt/EquityHealth
2.431/10

Elevated debt levels

OPY4 concerns · Avg: 2.8/10
Market CapQuality
$1.20B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.0%3/10

6.0% margin — thin

Debt/EquityHealth
1.493/10

Elevated debt levels

PEG RatioValuation
12.002/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 29.5% and operating margin at 38.3%. Revenue growth of 21.4% demonstrates continued momentum.

Bull Case : OPY

The strongest argument for OPY centers on Price/Book, EPS Growth, P/E Ratio. Revenue growth of 23.1% demonstrates continued momentum.

Bear Case : BAC

The primary concerns for BAC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.43 is elevated, increasing financial risk.

Bear Case : OPY

The primary concerns for OPY are Market Cap, Profit Margin, Debt/Equity.

Key Dynamics to Monitor

BAC carries more volatility with a beta of 1.18 — expect wider price swings.

OPY is growing revenue faster at 23.1% — sustainability is the question.

BAC generates stronger free cash flow (41.8B), providing more financial flexibility.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BAC scores higher overall (84/100 vs 66/100), backed by strong 29.5% margins and 21.4% revenue growth. Both earn "Exceptional 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.

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Oppenheimer Holdings Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Oppenheimer Holdings Inc. is a middle market investment bank and full service stockbroker in the Americas, Europe, the Middle East and Asia. The company is headquartered in New York, New York.

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