WallStSmart

Bank of America Corp (BAC)vsNewtekOne, Inc. (NEWT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 27785% more annual revenue ($109.59B vs $393.01M). BAC leads profitability with a 29.0% profit margin vs 16.4%. BAC appears more attractively valued with a PEG of 0.95. BAC earns a higher WallStSmart Score of 82/100 (A-).

BAC

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.0Profit: 7.5Value: 7.0Quality: 3.5
Piotroski: 5/9Altman Z: -0.27

NEWT

Strong Buy

73

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.0
Piotroski: 2/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.5/10
Market CapQuality
$379.60B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.0%10/10

Strong operational efficiency at 36.0%

Free Cash FlowQuality
$41.77B10/10

Generating 41.8B in free cash flow

Profit MarginProfitability
29.0%9/10

Keeps 29 of every $100 in revenue as profit

PEG RatioValuation
0.958/10

Growing faster than its price suggests

NEWT4 strengths · Avg: 9.5/10
P/E RatioValuation
5.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
52.3%10/10

Strong operational efficiency at 52.3%

EPS GrowthGrowth
22.9%8/10

Earnings expanding 22.9% YoY

Areas to Watch

BAC2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.213/10

Elevated debt levels

Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

NEWT4 concerns · Avg: 2.3/10
Market CapQuality
$373.37M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

Debt/EquityHealth
5.641/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull 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 : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 52.3%. Revenue growth of 10.7% demonstrates continued momentum.

Bear Case : BAC

The primary concerns for BAC are Debt/Equity, Altman Z-Score.

Bear Case : NEWT

The primary concerns for NEWT are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.64 is elevated, increasing financial risk.

Key Dynamics to Monitor

NEWT carries more volatility with a beta of 1.35 — expect wider price swings.

BAC is growing revenue faster at 11.8% — sustainability is the question.

BAC generates stronger free cash flow (41.8B), providing more financial flexibility.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BAC scores higher overall (82/100 vs 73/100), 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.

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NewtekOne, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Newtek Business Services Corp (NEWT) is a leading provider of integrated business solutions specifically designed for small to medium-sized enterprises (SMBs) in the U.S. With a diverse portfolio that includes payment processing, business lending, and cutting-edge technology services, the company enhances operational efficiency and supports growth for its clients. Newtek's focus on exceptional customer service and strategic partnerships positions it as a crucial ally for SMBs navigating competitive challenges. Committed to innovation and long-lasting client relationships, Newtek aims to drive sustainable success in an evolving market landscape.

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