Bank of Nova Scotia (BNS)vsWells Fargo & Company (WFC)
BNS
Bank of Nova Scotia
$69.39
+0.19%
FINANCIAL SERVICES · Cap: $84.29B
WFC
Wells Fargo & Company
$80.26
+0.82%
FINANCIAL SERVICES · Cap: $245.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 141% more annual revenue ($80.04B vs $33.25B). BNS leads profitability with a 26.9% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.66. BNS earns a higher WallStSmart Score of 79/100 (B+).
BNS
Strong Buy79
out of 100
Grade: B+
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.4%
Fair Value
$229.79
Current Price
$69.39
$160.40 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
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 23.5% year-over-year
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
Expensive relative to growth rate
1.6% earnings growth
Weak financial health signals
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BNS
The strongest argument for BNS centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.9% and operating margin at 37.5%. Revenue growth of 23.5% demonstrates continued momentum.
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 : BNS
The primary concerns for BNS are PEG Ratio, EPS Growth, Piotroski F-Score. Debt-to-equity of 5.80 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BNS profiles as a growth stock while WFC is a value play — different risk/reward profiles.
BNS carries more volatility with a beta of 1.19 — expect wider price swings.
BNS is growing revenue faster at 23.5% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
BNS scores higher overall (79/100 vs 72/100), backed by strong 26.9% margins and 23.5% revenue growth. 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.
Bank of Nova Scotia
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of Nova Scotia offers various banking products and services in Canada, the United States, Mexico, Peru, Chile, Colombia, the Caribbean and Central America, and internationally. The company is headquartered in Halifax, Canada.
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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