The Bank of New York Mellon Corporation (BK)vsWells Fargo & Company (WFC)
BK
The Bank of New York Mellon Corporation
$117.99
+0.08%
FINANCIAL SERVICES · Cap: $82.22B
WFC
Wells Fargo & Company
$80.26
+0.82%
FINANCIAL SERVICES · Cap: $245.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 300% more annual revenue ($80.04B vs $20.00B). BK leads profitability with a 27.7% profit margin vs 26.7%. BK appears more attractively valued with a PEG of 1.27. BK earns a higher WallStSmart Score of 74/100 (B).
BK
Strong Buy74
out of 100
Grade: B
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.9%
Fair Value
$346.32
Current Price
$117.99
$228.33 discount
Margin of Safety
+53.8%
Fair Value
$173.78
Current Price
$80.26
$93.52 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 37.3%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 30.5% YoY
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.9%
Generating 4.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BK
The strongest argument for BK centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.7% and operating margin at 37.3%. PEG of 1.27 suggests the stock is reasonably priced for its growth.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.9%.
Bear Case : BK
The primary concerns for BK are Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BK profiles as a mature stock while WFC is a value play — different risk/reward profiles.
BK carries more volatility with a beta of 1.08 — expect wider price swings.
BK is growing revenue faster at 7.8% — sustainability is the question.
BK generates stronger free cash flow (4.7B), providing more financial flexibility.
Bottom Line
BK scores higher overall (74/100 vs 72/100), backed by strong 27.7% margins. WFC offers better value entry with a 53.8% margin of safety. 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.
The Bank of New York Mellon Corporation
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of New York Mellon Corporation, commonly known as BNY Mellon, is a multinational American investment banking services holding company headquartered in New York City.
Visit Website →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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