Bank of America Corp (BAC)vsProvident Financial Services Inc (PFS)
BAC
Bank of America Corp
$63.17
+0.27%
FINANCIAL SERVICES · Cap: $439.84B
PFS
Provident Financial Services Inc
$24.46
-1.17%
FINANCIAL SERVICES · Cap: $3.22B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 12640% more annual revenue ($113.93B vs $894.27M). PFS leads profitability with a 35.0% profit margin vs 29.5%. BAC appears more attractively valued with a PEG of 1.06. BAC earns a higher WallStSmart Score of 82/100 (A-).
BAC
Exceptional Buy82
out of 100
Grade: A-
PFS
Strong Buy67
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 52.3%
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
3.8% revenue growth
Elevated debt levels
Distress zone — elevated risk
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 16.8% demonstrates continued momentum.
Bull Case : PFS
The strongest argument for PFS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 35.0% and operating margin at 52.3%.
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 : PFS
The primary concerns for PFS are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
BAC profiles as a growth stock while PFS is a value play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.17 — expect wider price swings.
BAC is growing revenue faster at 16.8% — sustainability is the question.
BAC generates stronger free cash flow (41.8B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (82/100 vs 67/100), backed by strong 29.5% margins and 16.8% 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.
Visit Website →Provident Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Provident Financial Services, Inc. is the banking holding company for Provident Bank offering various banking products and services to individuals, families and businesses in the United States. The company is headquartered in Jersey City, New Jersey.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?