Bank of America Corp (BAC)vsSB Financial Group Inc (SBFG)
BAC
Bank of America Corp
$49.38
+0.22%
FINANCIAL SERVICES · Cap: $353.60B
SBFG
SB Financial Group Inc
$20.48
-1.35%
FINANCIAL SERVICES · Cap: $132.35M
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 166335% more annual revenue ($107.42B vs $64.54M). BAC leads profitability with a 28.4% profit margin vs 21.6%. SBFG trades at a lower P/E of 9.6x. BAC earns a higher WallStSmart Score of 80/100 (B+).
BAC
Strong Buy80
out of 100
Grade: B+
SBFG
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.2%
Fair Value
$155.14
Current Price
$49.38
$105.76 discount
Margin of Safety
+65.9%
Fair Value
$61.85
Current Price
$20.48
$41.37 discount
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 41.6%
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Keeps 22 of every $100 in revenue as profit
Areas to Watch
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
Smaller company, higher risk/reward
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 28.4% and operating margin at 41.6%. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.6% and operating margin at 31.4%.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Free Cash Flow, Altman Z-Score.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap.
Key Dynamics to Monitor
BAC carries more volatility with a beta of 1.26 — expect wider price swings.
SBFG is growing revenue faster at 7.5% — sustainability is the question.
SBFG generates stronger free cash flow (6M), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BAC scores higher overall (80/100 vs 63/100), backed by strong 28.4% margins. SBFG offers better value entry with a 65.9% margin of safety. Both earn "Strong 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.
Visit Website →SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
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