The Bank of New York Mellon Corporation (BNY)vsWells Fargo & Company (WFC)
BNY
The Bank of New York Mellon Corporation
$147.58
+0.27%
FINANCIAL SERVICES · Cap: $96.65B
WFC
Wells Fargo & Company
$84.81
+1.36%
FINANCIAL SERVICES · Cap: $251.75B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 278% more annual revenue ($83.11B vs $22.00B). BNY leads profitability with a 29.7% profit margin vs 27.6%. BNY appears more attractively valued with a PEG of 1.14. WFC earns a higher WallStSmart Score of 74/100 (B).
BNY
Strong Buy74
out of 100
Grade: B
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 39.1%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 24.5% YoY
Mega-cap, among the largest globally
Attractively priced relative to earnings
Strong operational efficiency at 34.1%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 6.8B in free cash flow
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BNY
The strongest argument for BNY centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.7% and operating margin at 39.1%. Revenue growth of 11.5% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : BNY
The primary concerns for BNY are Debt/Equity, Altman Z-Score. Debt-to-equity of 1.52 is elevated, increasing financial risk.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
BNY profiles as a mature stock while WFC is a value play — different risk/reward profiles.
BNY carries more volatility with a beta of 1.05 — expect wider price swings.
BNY is growing revenue faster at 11.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
BNY scores higher overall (74/100 vs 74/100), backed by strong 29.7% margins and 11.5% revenue growth. 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.
The Bank of New York Mellon Corporation
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
BlackRock New York Municipal Income Trust is a closed ended fixed income mutual fund launched by BlackRock, Inc
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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