Bank of America Corp (BAC)vsLincoln National Corporation (LNC)
BAC
Bank of America Corp
$53.83
+2.29%
FINANCIAL SERVICES · Cap: $372.43B
LNC
Lincoln National Corporation
$34.74
+2.06%
FINANCIAL SERVICES · Cap: $7.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 482% more annual revenue ($109.59B vs $18.83B). BAC leads profitability with a 29.0% profit margin vs 9.2%. BAC appears more attractively valued with a PEG of 0.92. BAC earns a higher WallStSmart Score of 80/100 (B+).
BAC
Strong Buy80
out of 100
Grade: B+
LNC
Buy63
out of 100
Grade: C+
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%
Generating 41.8B in free cash flow
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
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Weak financial health signals
Earnings declined 60.7%
Operating margin of -4.1%
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%. PEG of 0.92 suggests the stock is reasonably priced for its growth.
Bull Case : LNC
The strongest argument for LNC centers on P/E Ratio, Price/Book. Revenue growth of 12.5% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Altman Z-Score.
Bear Case : LNC
The primary concerns for LNC are Piotroski F-Score, EPS Growth, Operating Margin.
Key Dynamics to Monitor
BAC profiles as a mature stock while LNC is a value play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.22 — expect wider price swings.
LNC is growing revenue faster at 12.5% — sustainability is the question.
BAC generates stronger free cash flow (41.8B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (80/100 vs 63/100), backed by strong 29.0% margins. Both earn "Strong Buy" and "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 →Lincoln National Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
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