Bank of America Corp (BAC)vsMidland States Bancorp, Inc. (MSBI)
BAC
Bank of America Corp
$51.14
+0.57%
FINANCIAL SERVICES · Cap: $358.24B
MSBI
Midland States Bancorp, Inc.
$34.25
+0.03%
FINANCIAL SERVICES · Cap: $684.40M
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 37289% more annual revenue ($114.87B vs $307.24M). BAC leads profitability with a 28.1% profit margin vs 19.0%. BAC appears more attractively valued with a PEG of 0.85. MSBI earns a higher WallStSmart Score of 80/100 (B+).
BAC
Strong Buy72
out of 100
Grade: B
MSBI
Strong Buy80
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 31.3%
Generating 29.0B in free cash flow
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.5%
Revenue surging 34.5% year-over-year
Earnings expanding 299.1% YoY
Attractively priced relative to earnings
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
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 28.1% and operating margin at 31.3%. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : MSBI
The strongest argument for MSBI centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 19.0% and operating margin at 37.5%. Revenue growth of 34.5% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.
Bear Case : MSBI
The primary concerns for MSBI are Market Cap, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
BAC profiles as a mature stock while MSBI is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.21 — expect wider price swings.
MSBI is growing revenue faster at 34.5% — sustainability is the question.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Bottom Line
MSBI scores higher overall (80/100 vs 72/100), backed by strong 19.0% margins and 34.5% revenue growth. 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 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 →Midland States Bancorp, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Midland States Bancorp, Inc. is a financial holding company for Midland States Bank offering various banking products and services to individuals, businesses, municipalities, and other entities. The company is headquartered in Effingham, Illinois.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?