WallStSmart

Bank of America Corp (BAC)vsPennantPark Investment Corporation (PNNT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 94846% more annual revenue ($109.59B vs $115.42M). BAC leads profitability with a 29.0% profit margin vs 22.2%. PNNT appears more attractively valued with a PEG of 0.28. 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

PNNT

Buy

60

out of 100

Grade: C

Growth: 2.0Profit: 7.0Value: 8.3Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.2/10
Market CapQuality
$377.03B10/10

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%

Profit MarginProfitability
29.0%9/10

Keeps 29 of every $100 in revenue as profit

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

PNNT5 strengths · Avg: 9.8/10
PEG RatioValuation
0.2810/10

Growing faster than its price suggests

P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
80.9%10/10

Strong operational efficiency at 80.9%

Profit MarginProfitability
22.2%9/10

Keeps 22 of every $100 in revenue as profit

Areas to Watch

BAC3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.213/10

Elevated debt levels

Free Cash FlowQuality
$-22.95B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

PNNT4 concerns · Avg: 2.5/10
Market CapQuality
$300.36M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.4%3/10

ROE of 5.4% — below average capital efficiency

Revenue GrowthGrowth
-20.3%2/10

Revenue declined 20.3%

EPS GrowthGrowth
-44.3%2/10

Earnings declined 44.3%

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 : PNNT

The strongest argument for PNNT centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 22.2% and operating margin at 80.9%. PEG of 0.28 suggests the stock is reasonably priced for its growth.

Bear Case : BAC

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

Bear Case : PNNT

The primary concerns for PNNT are Market Cap, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

BAC profiles as a mature stock while PNNT is a declining play — different risk/reward profiles.

BAC carries more volatility with a beta of 1.24 — expect wider price swings.

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

PNNT generates stronger free cash flow (61M), providing more financial flexibility.

Bottom Line

BAC scores higher overall (82/100 vs 60/100), backed by strong 29.0% margins and 11.8% revenue growth. Both earn "Exceptional 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.

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PennantPark Investment Corporation

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

PennantPark Investment Corporation (PNNT) is a publicly traded business development company focused on providing tailored debt and equity financing solutions to middle-market companies. By emphasizing senior secured loans, subordinated debt, and equity investments, the firm targets sectors with significant growth potential while employing a disciplined approach to risk management. Leveraging a team of experienced investment professionals, PennantPark strategically identifies and pursues lucrative opportunities within the private credit market. The company's commitment to generating consistent dividend income and long-term capital appreciation positions it as an attractive option for institutional investors seeking to diversify their portfolios in a dynamic economic landscape.

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