SafetyMargin.ioSafetyMargin.io
BlogWatchlistCompare
Compare Stocks › BAC vs FITB

Bank of America Corporation (BAC) vs Fifth Third Bancorp (FITB)

BAC
Bank of America Corporation
$53.24
VS
FITB
Fifth Third Bancorp
$50.44

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 0.54 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
FITB
  • ★Fifth Third Bancorp scores 84/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.

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.
  • ⚠5 insider sales totaling $20.2M with no purchases in the past 3 months — insiders are reducing their exposure.
FITB
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Each dollar of retained earnings has produced only $0.22 of earning power — shareholders may have been better served by dividends.
  • ⚠Trailing P/E of 17.0x is 45% above the historical average of 11.7x — the stock trades at a premium to its own history.

Key Valuation Metrics

Learn more →
BAC
FITB
Valuation
N/A
Free Cash Flow
N/A
N/A
FCF Yield
N/A
13.24
Trailing P/E
16.98
10.56
Forward P/E
10.28
Quality & Moat
3.89%
ROIC
2.82%
N/A
ROE
N/A
0.00%
Gross Margin
0.00%
0.54
PEG Ratio
1.92
Balance Sheet Safety
N/A
Debt / Equity
N/A
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
N/A
2.10%
Dividend Yield
3.17%
BAC: 3Ties: 2FITB: 2
BACFITB

Historical Fundamentals

Learn more →
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.

FITB

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

Learn more →
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
FITB
$2.25
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$3.79B
Δ Market Cap
+$8.53B
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

Learn more →
BAC
59.1% Margin of Safety
Price is 59.1% below estimated fair value
Current Price: $53.24
Fair Value: $130.24
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
FITB
50.2% Margin of Safety
Price is 50.2% below estimated fair value
Current Price: $50.44
Fair Value: $101.37
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

Learn more →
BAC

Requires positive FCF to compute implied growth rate.

FITB

Requires positive FCF to compute implied growth rate.

Economic Moat Score

Learn more →
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.
FITB
84/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Margin Stability 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.

Forensic Accounting

Learn more →
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.
FITB
-2.41
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

Learn more →
BAC
Insiders 7.4%Institutions 71.5%Retail & Other 21.1%
No. of Institutional Holders4,375
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.
FITB
Insiders 0.4%Institutions 70.8%Retail & Other 28.8%
No. of Institutional Holders1,515
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

Learn more →
BAC
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
FITB
0
Buys (3M)
1
Buys (12M)
Total value (12M): $123,650
BAYH B EVAN III
Director
$123,650
@ $41.22 · 2025-10-20
Open market purchases · includes direct & indirect ownership · excludes option exercises

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

Insider Selling Activity

Learn more →
BAC
5
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
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
FITB
4
Sells (3M)
6
Sells (12M)
Total value (12M): $2.96M
SEFZIK PETER L
Officer
$1.01M
@ $50.46 · 2026-04-28
KHANNA KEVIN J
Officer
$304,630
@ $50.77 · 2026-04-20
SCHRAMM JUDE
Chief Technology Officer
$757,515
@ $50.85 · 2026-02-24
SPENCE TIMOTHY
Chief Executive Officer
$184,868
@ $54.05 · 2026-02-18
SCHRAMM JUDE
Chief Technology Officer
$109,125
@ $48.50 · 2025-12-11
KHANNA KEVIN J
Officer
$597,426
@ $42.67 · 2025-08-15
LAVENDER KEVIN P
Officer
$945,100
@ $43.55 · 2025-02-20
GIBSON KALA
Officer
$392,712
@ $43.64 · 2025-02-20
LEONARD JAMES C
Chief Operating Officer
$761,279
@ $44.26 · 2025-02-19
SPENCE TIMOTHY
Chief Executive Officer
$346,979
@ $44.10 · 2025-02-18
SHAFFER ROBERT P
Officer
$1.22M
@ $48.65 · 2024-11-25
GARRETT KRISTINE R
Officer
$327,526
@ $43.67 · 2024-10-28
GARRETT KRISTINE R
Officer
$296,213
@ $41.72 · 2024-09-09
SCHRAMM JUDE
Chief Technology Officer
$840,055
@ $42.00 · 2024-08-26
ZAUNBRECHER SUSAN B
Officer
$117,119
@ $41.21 · 2024-07-24
LAVENDER KEVIN P
Officer
$835,369
@ $41.77 · 2024-07-24
SCHRAMM JUDE
Chief Technology Officer
$100,000
@ $40.00 · 2024-07-16
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

Learn more →
BAC
FearGreed
😏Greed(64/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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.
FITB
FearGreed
😐Neutral(60/100)

"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.

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

Learn more →
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: Greed (64)
FITB
⚪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 (60)
View BAC Full AnalysisView FITB Full Analysis