WallStSmart

Bank of America Corp (BAC)vsVirginia National Bankshares Corp (VABK)

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Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 181008% more annual revenue ($114.87B vs $63.43M). VABK leads profitability with a 39.1% profit margin vs 28.1%. VABK trades at a lower P/E of 10.9x. BAC earns a higher WallStSmart Score of 72/100 (B).

BAC

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 7.5Value: 7.0Quality: 4.0
Piotroski: 6/9Altman Z: -0.29

VABK

Strong Buy

68

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 6.7Quality: 4.5
Piotroski: 3/9Altman Z: -0.78

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.5/10
Market CapQuality
$358.24B10/10

Mega-cap, among the largest globally

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

PEG RatioValuation
0.858/10

Growing faster than its price suggests

VABK6 strengths · Avg: 10.0/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Profit MarginProfitability
39.1%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
59.9%10/10

Strong operational efficiency at 59.9%

Revenue GrowthGrowth
38.6%10/10

Revenue surging 38.6% year-over-year

EPS GrowthGrowth
111.5%10/10

Earnings expanding 111.5% YoY

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

VABK3 concerns · Avg: 2.7/10
Market CapQuality
$269.53M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.782/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.85 suggests the stock is reasonably priced for its growth.

Bull Case : VABK

The strongest argument for VABK centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 39.1% and operating margin at 59.9%. Revenue growth of 38.6% demonstrates continued momentum.

Bear Case : BAC

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

Bear Case : VABK

The primary concerns for VABK are Market Cap, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

BAC profiles as a mature stock while VABK is a growth play — different risk/reward profiles.

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

VABK is growing revenue faster at 38.6% — 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 68/100), 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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Virginia National Bankshares Corp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Virginia National Bankshares Corporation is the holding company of Virginia National Bank providing a range of commercial banking services. The company is headquartered in Charlottesville, Virginia.

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