WallStSmart

Bank of America Corp (BAC)vsTrustmark Corporation (TRMK)

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Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 13907% more annual revenue ($114.87B vs $820.10M). TRMK leads profitability with a 28.7% profit margin vs 28.1%. BAC appears more attractively valued with a PEG of 0.91. BAC earns a higher WallStSmart Score of 72/100 (B).

BAC

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 6/9Altman Z: -0.29

TRMK

Strong Buy

65

out of 100

Grade: B-

Growth: 6.7Profit: 7.5Value: 6.3Quality: 6.5
Piotroski: 5/9Altman Z: 0.28

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.8/10
Market CapQuality
$345.08B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
31.3%10/10

Strong operational efficiency at 31.3%

Free Cash FlowQuality
$29.04B10/10

Generating 29.0B in free cash flow

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

TRMK4 strengths · Avg: 9.8/10
P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.3%10/10

Strong operational efficiency at 35.3%

Profit MarginProfitability
28.7%9/10

Keeps 29 of every $100 in revenue as profit

Areas to Watch

BAC3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.283/10

Elevated debt levels

EPS GrowthGrowth
-14.3%2/10

Earnings declined 14.3%

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

TRMK3 concerns · Avg: 3.3/10
PEG RatioValuation
2.294/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Altman Z-ScoreHealth
0.282/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.91 suggests the stock is reasonably priced for its growth.

Bull Case : TRMK

The strongest argument for TRMK centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 35.3%.

Bear Case : BAC

The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.

Bear Case : TRMK

The primary concerns for TRMK are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

BAC profiles as a mature stock while TRMK is a value play — different risk/reward profiles.

BAC carries more volatility with a beta of 1.21 — expect wider price swings.

BAC is growing revenue faster at 7.1% — sustainability is the question.

BAC generates stronger free cash flow (29.0B), providing more financial flexibility.

Bottom Line

BAC scores higher overall (72/100 vs 65/100), backed by strong 28.1% margins. Both earn "Strong 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.

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Trustmark Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Trustmark Corporation is the banking holding company for Trustmark National Bank providing banking and financial solutions to individuals and corporate institutions in the United States. The company is headquartered in Jackson, Mississippi.

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