Bank of America Corp (BAC)vsTriCo Bancshares (TCBK)
BAC
Bank of America Corp
$53.46
+1.10%
FINANCIAL SERVICES · Cap: $377.03B
TCBK
TriCo Bancshares
$50.27
+0.34%
FINANCIAL SERVICES · Cap: $1.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 26248% more annual revenue ($109.59B vs $415.93M). TCBK leads profitability with a 31.0% profit margin vs 29.0%. BAC appears more attractively valued with a PEG of 0.94. BAC earns a higher WallStSmart Score of 82/100 (A-).
BAC
Exceptional Buy82
out of 100
Grade: A-
TCBK
Strong Buy74
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 36.0%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Earnings expanding 30.0% YoY
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Smaller company, higher risk/reward
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 29.0% and operating margin at 36.0%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : TCBK
The strongest argument for TCBK centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 43.7%. Revenue growth of 10.7% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : TCBK
The primary concerns for TCBK are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
BAC carries more volatility with a beta of 1.24 — expect wider price swings.
BAC is growing revenue faster at 11.8% — sustainability is the question.
TCBK generates stronger free cash flow (30M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BAC scores higher overall (82/100 vs 74/100), backed by strong 29.0% margins and 11.8% 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.
Visit Website →TriCo Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TriCo Bancshares is a bank holding company for Tri Counties Bank providing commercial banking services to individual and corporate clients. The company is headquartered in Chico, California.
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