Bank of America Corp (BAC)vsWhite Mountains Insurance Group Ltd (WTM)
BAC
Bank of America Corp
$51.14
+0.57%
FINANCIAL SERVICES · Cap: $358.24B
WTM
White Mountains Insurance Group Ltd
$2,245.96
+1.69%
FINANCIAL SERVICES · Cap: $5.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 3757% more annual revenue ($114.87B vs $2.98B). WTM leads profitability with a 37.7% profit margin vs 28.1%. WTM appears more attractively valued with a PEG of 0.81. WTM earns a higher WallStSmart Score of 92/100 (A+).
BAC
Strong Buy72
out of 100
Grade: B
WTM
Exceptional Buy92
out of 100
Grade: A+
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 31.3%
Generating 29.0B in free cash flow
Keeps 28 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 38 of every $100 in revenue as profit
Strong operational efficiency at 36.4%
Earnings expanding 68.8% YoY
Conservative balance sheet, low leverage
Areas to Watch
Elevated debt levels
Earnings declined 14.3%
Distress zone — elevated risk
Grey zone — moderate risk
Weak financial health signals
Negative free cash flow — burning cash
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 28.1% and operating margin at 31.3%. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bull Case : WTM
The strongest argument for WTM centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.7% and operating margin at 36.4%. Revenue growth of 22.5% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, EPS Growth, Altman Z-Score.
Bear Case : WTM
The primary concerns for WTM are Altman Z-Score, Piotroski F-Score, Free Cash Flow.
Key Dynamics to Monitor
BAC profiles as a mature stock while WTM is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.21 — expect wider price swings.
WTM is growing revenue faster at 22.5% — sustainability is the question.
BAC generates stronger free cash flow (29.0B), providing more financial flexibility.
Bottom Line
WTM scores higher overall (92/100 vs 72/100), backed by strong 37.7% margins and 22.5% 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 →White Mountains Insurance Group Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
White Mountains Insurance Group, Ltd., provides insurance services in the United States. The company is headquartered in Hamilton, Bermuda.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?