Banks · 21/36 against 23/36 checks · to 2026-09-08
BAC vs WFC.
Bank of AmericaThe second-largest US bank: consumer and business banking, markets and wealth management.
Wells FargoA large US bank centred on consumer and commercial lending.→Bank of America (BAC) and Wells Fargo (WFC) are within reach of each other at $436.3B and $266.0B, and on the filings Wells Fargo passes more, 23 checks of 36 against 21.
Which passes more checks?
widest gap first→No axis separates them by more than 1 of six checks, and the widest is Value. They score identically on 4 of the six, so the difference between them is narrower than a headline suggests.
| BAC | WFC | |
|---|---|---|
| Value | 2/6 | 3/6 |
| Trend analysis | 4/6 | 5/6 |
| Growth | 4/6 | 4/6 |
| Quality | 3/6 | 3/6 |
| Health | 4/6 | 4/6 |
| Shareholder returns | 4/6 | 4/6 |
| All checks | 21/36 | 23/36 |
→Bank of America turns over $119.2B to Wells Fargo's $86.8B, 1.4 times as much. Bank of America keeps 28.2% of revenue as profit against 26.0% at Wells Fargo.
Which is cheaper?
→Wells Fargo is the cheaper of the two on earnings, 12.6x against 14.2x. Against their own histories, Bank of America is above its 9.5x median and Wells Fargo is above its 9.7x.
| BAC | WFC | |
|---|---|---|
| Share price | $62.39 | $87.96 |
| Market cap | $436.3B | $266.0B |
| P/E | 14.2x | 12.6x |
| P/E, own median own 11-year median / own 10-year median | 9.5x | 9.7x |
| P/S | 3.7x | 3.1x |
| Free cash flow yield | - | - |
Which is growing faster, BAC or WFC?
→Bank of America and Wells Fargo grew revenue at much the same rate last year, +8.1% against +6.2%. Over three years the order is the same, Bank of America at +6.0% and Wells Fargo at +4.0%.
| BAC | WFC | |
|---|---|---|
| Revenue (TTM) | $119.2B | $86.8B |
| Revenue growth, 1 year | +8.1% | +6.2% |
| Revenue CAGR, 3 years | +6.0% | +4.0% |
| Net income (TTM) | $33.6B | $22.6B |
| Free cash flow (TTM) | - | - |
Which keeps more of each sale?
| BAC | WFC | |
|---|---|---|
| Gross margin | - | - |
| Operating margin | - | - |
| Return on equity | 11.2% | 12.5% |
Which balance sheet is stronger?
→Both lean on debt to a similar degree, 1.33x to equity at Bank of America and 1.15x at Wells Fargo.
| BAC | WFC | |
|---|---|---|
| Debt / equity | 1.33x | 1.15x |
| Interest coverage | - | - |
| Cash and short-term investments | $229.7B | $201.5B |
Which hands more back to owners?
→Both pay: Wells Fargo yields the more at 2.0% against 0.4%. A yield rises when a price falls, so read it beside the payout checks in each report.
| BAC | WFC | |
|---|---|---|
| Dividend yield | 0.4% | 2.0% |
| Payout ratio | 5.0% | 24.0% |
| Years of unbroken dividend | - | - |
Where they differ most
the checks behind the gapValue: Wells Fargo 1 ahead
- Earnings yield beats a long bond (4%) 7.9% vs 4.0%
- Hands back over 3% in dividends and buybacks 8.9% vs 3.0%
- Price isn't outrunning growth PEG 0.56
- Cheap on book value 1.45 vs 1.30 (peer median)
- Price isn't outrunning growth PEG 2.53
Trend analysis: Wells Fargo 1 ahead
- Price above the Kumo cloud $87.96 against a cloud top of $85.58
- Price above the Tenkan and the Kijun $87.96 against the Tenkan (9 sessions) at $87.03 and the Kijun (26) at $86.91
- Tenkan above the Kijun Tenkan $87.03 above the Kijun $86.91, 4 sessions since they crossed
- Price above the Tenkan and the Kijun $62.39 against the Tenkan (9 sessions) at $62.01 and the Kijun (26) at $62.84
- Tenkan above the Kijun Tenkan $62.01 below the Kijun $62.84, 7 sessions since they crossed