Bank of America Corp (BAC)vsSouthern First Bancshares Inc (SFST)
BAC
Bank of America Corp
$62.69
+0.21%
FINANCIAL SERVICES · Cap: $437.47B
SFST
Southern First Bancshares Inc
$63.12
-0.47%
FINANCIAL SERVICES · Cap: $597.86M
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 88345% more annual revenue ($113.93B vs $128.81M). SFST leads profitability with a 30.7% profit margin vs 29.5%. BAC appears more attractively valued with a PEG of 0.95. BAC earns a higher WallStSmart Score of 84/100 (A-).
BAC
Exceptional Buy84
out of 100
Grade: A-
SFST
Strong Buy71
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 29.0B in free cash flow
Keeps 30 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 44.0%
Attractively priced relative to earnings
Revenue surging 24.8% year-over-year
Earnings expanding 48.1% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Smaller company, higher risk/reward
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 : SFST
The strongest argument for SFST centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.7% and operating margin at 44.0%. Revenue growth of 24.8% demonstrates continued momentum.
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 : SFST
The primary concerns for SFST are PEG Ratio, Market Cap, Altman Z-Score.
Key Dynamics to Monitor
BAC carries more volatility with a beta of 1.16 — expect wider price swings.
SFST is growing revenue faster at 24.8% — sustainability is the question.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BAC scores higher overall (84/100 vs 71/100), 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 →Southern First Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Southern First Bancshares, Inc. is the banking holding company for Southern First Bank offering various banking products and services to the general public in South Carolina, North Carolina and Georgia. The company is headquartered in Greenville, South Carolina.
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