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Bank of America Corporation (BAC) vs BXP, Inc. (BXP): Which Is the Better Buy in 2026?

As of 2026-09-17, BAC is undervalued at $58, with a DCF intrinsic value of $142 and a margin of safety of 59%. BXP is overvalued at $64, with an intrinsic value of $0 and a margin of safety of -100%. Of the two, BAC has the wider margin of safety.

BAC
Bank of America Corporation
$57.59
VS
BXP
BXP, Inc.
$64.47

Rewards

BAC
  • ★Bank of America Corporation scores 100/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★PEG ratio of 0.90 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
BXP
  • ★FCF yield of 10.7% is historically attractive — the business generates significant cash relative to its price.
  • ★Trailing P/E of 34.7x is 85% below the historical average of 233.8x — potentially undervalued relative to its own history.

Risks

BAC
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
BXP
  • ⚠PEG ratio of 2.40 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠High leverage (2.05x net debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠Net debt/EBITDA of 9.8x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.

Key Valuation Metrics

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BAC
BXP
Valuation
N/A
Free Cash Flow
$1.25B
N/A
FCF Yield
10.68%
13.30
Trailing P/E
34.66
10.88
Forward P/E
29.00
Quality & Moat
4.37%
ROIC
3.01%
11.20%
ROE
5.31%
0.00%
Gross Margin
56.45%
0.90
PEG Ratio
2.40
Balance Sheet Safety
N/A
Net Debt / Equity
2.05
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
9.81
2.21%
Dividend Yield
4.37%
BAC: 5Ties: 1BXP: 2
BACBXP

Historical Fundamentals

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BAC

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

BXP

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$1 Retained Earnings Test

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BAC
$2.37
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$55.63B
Δ Market Cap
+$131.83B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
BXP
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-1.54B
Δ Market Cap
+$105.1M
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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BAC
59.5% Margin of Safety
Price is 59.5% below estimated fair value
Current Price: $57.59
Fair Value: $142.10
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
BXP
Insufficient Data
Enter initial FCF to calculate intrinsic value
Current Price: $64.47
Fair Value: $0.00
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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BAC

Requires positive FCF to compute implied growth rate.

BXP

What growth rate is the market pricing in at $64?

+29.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +9.1%

The market implies +29.8% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +9.1%, reflecting heavy growth investment.

Economic Moat Score

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BAC
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
BXP
56/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving reinvestment efficiency would strengthen the moat.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

Forensic Accounting

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BAC
-2.31
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
BXP
-2.79
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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BAC
Insiders 7.0%Institutions 71.3%Retail & Other 21.7%
No. of Institutional Holders4,542
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
BXP
Insiders 0.4%Institutions 113.4%
No. of Institutional Holders814
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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BAC
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
BXP
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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BAC
0
Sells (3M)
5
Sells (12M)
Total value (12M): $20.17M
MENSAH BERNARD AMPONSAH
Officer
$4.41M
@ $46.94 · 2026-03-12
BRONSTEIN SHERI B
Officer
$2.99M
@ $49.91 · 2026-03-05
SCRIVENER THOMAS M
Officer
$2.49M
@ $49.82 · 2026-03-05
ATHANASIA DEAN C
President
$6.86M
@ $50.21 · 2026-03-03
BORTHWICK ALASTAIR M.
Chief Financial Officer
$3.42M
@ $50.24 · 2026-02-27
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
BXP
0
Sells (3M)
9
Sells (12M)
Total value (12M): $7.66M
LABELLE MICHAEL E.
Chief Financial Officer
$1.73M
@ $66.35 · 2026-06-09
KEVORKIAN ERIC G
Officer
$131,747
@ $59.88 · 2026-05-22
OTTENI PETER V
Officer
$287,186
@ $59.06 · 2026-05-20
SPANN HILARY J.
Officer
$327,997
@ $59.69 · 2026-02-27
SPANN HILARY J.
Officer
$75,592
@ $63.31 · 2026-02-05
RITCHEY RAYMOND A
Officer
$2.62M
@ $72.18 · 2025-12-01
OTTENI PETER V
Officer
$300,470
@ $72.65 · 2025-11-25
STROMAN JOHN J
Officer
$1.22M
@ $72.17 · 2025-11-12
LABELLE MICHAEL E.
Chief Financial Officer
$970,952
@ $72.34 · 2025-11-07
GARESCHE DONNA D
Officer
$145,453
@ $67.87 · 2025-03-05
SPANN HILARY J.
Officer
$891,536
@ $72.02 · 2025-02-04
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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BAC
FearGreed
😐Neutral(53/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
BXP
FearGreed
😨Fear(40/100)

"Market is pessimistic — investigate whether fears are temporary or structural"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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BAC
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)
BXP
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Fear (40)
View BAC Full AnalysisView BXP Full Analysis

Frequently Asked Questions: BAC vs BXP

Is Bank of America Corporation or BXP, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, BAC trades at a 59.5% margin of safety (intrinsic value $142 vs. price $58), compared to BXP's -100.0% margin of safety (intrinsic $0 vs. $64).

Which stock has a wider economic moat, Bank of America Corporation or BXP, Inc.?▼

BAC scores 100/100 (Wide moat), while BXP scores 56/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Bank of America Corporation in financial distress?▼

BAC's Altman Z-Score of 0.2 places it in the Distress zone, signaling elevated bankruptcy risk. BXP scores 0.6 (Distress zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, Bank of America Corporation or BXP, Inc.?▼

BAC earns 4.4% ROIC versus BXP's 3.0%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, Bank of America Corporation's or BXP, Inc.'s?▼

BAC's dividend earns a safety score of 79/100 (Safe), compared to BXP's 45/100 (Borderline). BAC has raised its dividend for 3 consecutive years.

BAC vs BXP: Which Is the Better Buy in 2026? | SafetyMargin.io