WallStSmart

Bank of America Corp (BAC)vsSilvercrest Asset Management Group Inc (SAMG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 90803% more annual revenue ($113.93B vs $125.33M). BAC leads profitability with a 29.5% profit margin vs 2.1%. SAMG appears more attractively valued with a PEG of 0.98. BAC earns a higher WallStSmart Score of 84/100 (A-).

BAC

Exceptional Buy

84

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 6.3Quality: 3.0
Piotroski: 5/9Altman Z: -0.27

SAMG

Hold

47

out of 100

Grade: D+

Growth: 3.3Profit: 4.0Value: 5.7Quality: 6.5
Piotroski: 3/9Altman Z: 2.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.2/10
Market CapQuality
$424.03B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
38.3%10/10

Strong operational efficiency at 38.3%

Free Cash FlowQuality
$41.77B10/10

Generating 41.8B in free cash flow

Profit MarginProfitability
29.5%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
14.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

SAMG2 strengths · Avg: 8.0/10
PEG RatioValuation
0.988/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

BAC2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
-0.272/10

Distress zone — elevated risk

Debt/EquityHealth
2.431/10

Elevated debt levels

SAMG4 concerns · Avg: 3.5/10
P/E RatioValuation
30.1x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

Market CapQuality
$76.43M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.7%3/10

ROE of 4.7% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull 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 : SAMG

The strongest argument for SAMG centers on PEG Ratio, Price/Book. PEG of 0.98 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 : SAMG

The primary concerns for SAMG are P/E Ratio, Revenue Growth, Market Cap. Thin 2.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

BAC profiles as a growth stock while SAMG is a value 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 47/100), backed by strong 29.5% margins and 21.4% revenue growth. Both earn "Exceptional Buy" and "Hold" 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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Silvercrest Asset Management Group Inc

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Silvercrest Asset Management Group Inc., a wealth management firm, provides financial advisory and related family office services in the United States. The company is headquartered in New York, New York.

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