Bank of America Corp (BAC)vsRand Capital Corp (RAND)
BAC
Bank of America Corp
$52.88
+1.10%
FINANCIAL SERVICES · Cap: $377.03B
RAND
Rand Capital Corp
$11.08
+3.45%
FINANCIAL SERVICES · Cap: $32.33M
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 1692436% more annual revenue ($109.59B vs $6.47M). BAC leads profitability with a 29.0% profit margin vs -124.2%. BAC appears more attractively valued with a PEG of 0.94. BAC earns a higher WallStSmart Score of 82/100 (A-).
BAC
Exceptional Buy82
out of 100
Grade: A-
RAND
Avoid33
out of 100
Grade: F
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 36.0%
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 50.2%
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Smaller company, higher risk/reward
Expensive relative to growth rate
ROE of -13.7% — below average capital efficiency
Revenue declined 39.9%
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 29.0% and operating margin at 36.0%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : RAND
The strongest argument for RAND centers on Price/Book, Operating Margin.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : RAND
The primary concerns for RAND are Market Cap, PEG Ratio, Return on Equity.
Key Dynamics to Monitor
BAC profiles as a mature stock while RAND is a turnaround 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.
RAND generates stronger free cash flow (457,101), providing more financial flexibility.
Bottom Line
BAC scores higher overall (82/100 vs 33/100), backed by strong 29.0% margins and 11.8% revenue growth. Both earn "Exceptional Buy" and "Avoid" 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 →Rand Capital Corp
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
Rand Capital Corp is a publicly-traded investment firm focused on providing growth capital to lower middle-market companies across a variety of sectors, including healthcare, technology, and consumer products. By leveraging a strategic investment approach that encompasses both equity and debt financing, the firm aims to generate robust long-term returns for its shareholders. With an actively managed portfolio and a strong emphasis on operational expertise, Rand Capital not only supports the growth of its investments but also adheres to sustainable business practices, positioning itself to capitalize on emerging opportunities in an evolving economic landscape.
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