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Compare Stocks › BAC vs DG

Bank of America Corporation (BAC) vs Dollar General Corporation (DG)

BAC
Bank of America Corporation
$47.01
VS
DG
Dollar General Corporation
$123.45

Rewards

BAC
  • ★Each dollar of retained earnings has created $2.37 of market value — management is an exceptional capital allocator.
  • ★PEG ratio of 0.58 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
DG
  • ★PEG ratio of 0.15 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.

Risks

BAC
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Bank of America Corporation scores only 20/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
  • ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
DG
  • ⚠ROIC has declined by 7.0 percentage points over the observed period, which may signal competitive erosion.
  • ⚠FCF yield of 7.8% suggests reasonable valuation assuming continued moderate growth.
  • ⚠Net debt/EBITDA of 4.5x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.

Key Valuation Metrics

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BAC
DG
Valuation
N/A
Free Cash Flow
$2.13B
N/A
FCF Yield
7.83%
12.34
Trailing P/E
18.02
9.49
Forward P/E
15.43
Quality & Moat
4.61%
ROIC
7.74%
N/A
ROE
17.77%
0.00%
Gross Margin
30.66%
0.58
PEG Ratio
0.15
Balance Sheet Safety
N/A
Debt / Equity
1.85
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.49
2.38%
Dividend Yield
1.91%
BAC: 3Ties: 1DG: 3
BACDG

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.

DG

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$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
DG
$-7.47
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$3.67B
Δ Market Cap
$-27.44B
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
64.3% Margin of Safety
Price is 64.3% below estimated fair value
Current Price: $47.01
Fair Value: $131.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
DG
112.6% Overvalued
Price is 112.6% above estimated fair value
Current Price: $123.45
Fair Value: $58.07
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.

DG

What growth rate is the market pricing in at $123?

+16.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +7.5%

The market implies +16.1% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +7.5%, reflecting heavy growth investment.

Economic Moat Score

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BAC
20/100
No Moat
70+ Wide · 40-69 Narrow · <40 None

No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.

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.
DG
55/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency 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 4 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.
DG
-2.72
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 7.3%Institutions 71.2%Retail & Other 21.5%
No. of Institutional Holders4,445
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.
DG
Insiders 0.4%Institutions 100.6%
No. of Institutional Holders1,577
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
DG
0
Buys (3M)
0
Buys (12M)
BRYANT WARREN F
Director
$80,825
@ $80.83 · 2024-09-10
BRYANT WARREN F
Director
$40,200
@ $80.40 · 2024-09-05
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
5
Sells (3M)
5
Sells (12M)
Total value (12M): $20.17M
MENSAH BERNARD AMPONSAH
Officer
$4.41M
@ $46.94 · 2026-03-12
SCRIVENER THOMAS M
Officer
$2.49M
@ $49.82 · 2026-03-05
BRONSTEIN SHERI B
Officer
$2.99M
@ $49.91 · 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
MENSAH BERNARD AMPONSAH
Officer
$3.66M
@ $39.80 · 2024-08-27
HANS LINDSAY D
Officer
$402,410
@ $36.91 · 2024-08-05
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
DG
0
Sells (3M)
10
Sells (12M)
Total value (12M): $9.29M
WHEELER BRYAN D
Officer
$1.32M
@ $135.32 · 2025-12-19
TAYLOR RHONDA M
General Counsel
$1.01M
@ $134.89 · 2025-12-16
WEST RODERICK J
Officer
$304,316
@ $133.35 · 2025-12-16
ELLIOTT ANITA C
Officer
$333,424
@ $132.52 · 2025-12-12
WENKOFF CARMAN R
Chief Technology Officer
$2.53M
@ $132.01 · 2025-12-11
HERRMANN TRACEY N
Officer
$2.21M
@ $126.82 · 2025-12-11
REARDON KATHLEEN A
Officer
$558,028
@ $126.97 · 2025-12-08
TAYLOR EMILY C
Officer
$222,501
@ $113.00 · 2025-06-17
REARDON KATHLEEN A
Officer
$718,229
@ $111.56 · 2025-06-12
TAYLOR EMILY C
Officer
$76,627
@ $94.72 · 2025-04-04
TAYLOR EMILY C
Officer
$367,061
@ $77.44 · 2024-12-13
REARDON KATHLEEN A
Officer
$296,241
@ $82.68 · 2024-12-10
DECKARD STEVEN R
Officer
$174,195
@ $86.66 · 2024-09-18
WEST RODERICK J
Officer
$208,960
@ $83.25 · 2024-09-12
SANTANA RALPH E
Director
$468,567
@ $155.72 · 2024-04-11
WENKOFF CARMAN R
Chief Technology Officer
$958,616
@ $162.23 · 2024-04-04
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(47/100)

"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.
DG
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 (47)
DG
⚪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 DG Full Analysis