Bank of America Corp (BAC)vsPennantPark Floating Rate Capital Ltd (PFLT)
BAC
Bank of America Corp
$62.91
+0.67%
FINANCIAL SERVICES · Cap: $424.03B
PFLT
PennantPark Floating Rate Capital Ltd
$7.21
+0.84%
FINANCIAL SERVICES · Cap: $705.44M
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 42328% more annual revenue ($113.93B vs $268.52M). BAC leads profitability with a 29.5% profit margin vs 23.1%. PFLT appears more attractively valued with a PEG of 0.26. BAC earns a higher WallStSmart Score of 84/100 (A-).
BAC
Exceptional Buy84
out of 100
Grade: A-
PFLT
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 38.3%
Generating 41.8B in free cash flow
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 77.3%
Earnings expanding 2030.0% YoY
Keeps 23 of every $100 in revenue as profit
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
ROE of 6.0% — below average capital efficiency
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 29.5% and operating margin at 38.3%. Revenue growth of 21.4% demonstrates continued momentum.
Bull Case : PFLT
The strongest argument for PFLT centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 23.1% and operating margin at 77.3%. PEG of 0.26 suggests the stock is reasonably priced for its growth.
Bear Case : BAC
The primary concerns for BAC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.43 is elevated, increasing financial risk.
Bear Case : PFLT
The primary concerns for PFLT are Market Cap, Return on Equity, Debt/Equity. Debt-to-equity of 1.61 is elevated, increasing financial risk.
Key Dynamics to Monitor
BAC profiles as a growth stock while PFLT is a mature play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.18 — expect wider price swings.
BAC is growing revenue faster at 21.4% — sustainability is the question.
BAC generates stronger free cash flow (41.8B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (84/100 vs 74/100), backed by strong 29.5% margins and 21.4% 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.
Visit Website →PennantPark Floating Rate Capital Ltd
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
PennantPark Floating Rate Capital Ltd (PFLT) is a distinguished business development company focused on providing flexible financing primarily through floating rate loans to middle-market businesses. The company emphasizes capital preservation alongside consistent income and attractive risk-adjusted returns, achieved through a well-diversified portfolio of debt instruments. With a seasoned management team and robust strategic partnerships, PFLT is well-positioned to navigate market fluctuations and seize growth opportunities within the middle-market lending landscape, making it an appealing investment option for institutional investors seeking stability and performance.
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