Compare Stocks › BAC vs GILD
Bank of America Corporation (BAC) vs Gilead Sciences, Inc. (GILD)
BAC
Bank of America Corporation
$47.01
VS
GILD
Gilead Sciences, Inc.
$141.11
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.
GILD
- ★Gilead Sciences, Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Gross margin of 78.8% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Gilead Sciences, Inc. scores 92/100 on the Economic Moat Score (Wide Moat), with margin stability 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.
- ⚠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.
GILD
- ⚠12 insider sales totaling $44.1M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →BAC
GILD
Valuation
N/A
Free Cash Flow
$7.54B
N/A
FCF Yield
4.30%
12.34
Trailing P/E
20.84
9.49
Forward P/E
14.68
Quality & Moat
4.61%
ROIC
18.05%
N/A
ROE
37.62%
0.00%
Gross Margin
78.84%
0.58
PEG Ratio
0.89
Balance Sheet Safety
N/A
Debt / Equity
1.13
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
1.09
2.38%
Dividend Yield
2.32%
BAC: 3Ties: 2GILD: 2
BACGILD
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.
GILD
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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
GILD
$15.46
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.92B
Δ Market Cap
+$45.23B
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
> $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
64.3% Margin of Safety
Price is 64.3% below estimated fair value
Current Price: $47.01
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $131.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
GILD
13.4% Margin of Safety
Price is 13.4% below estimated fair value
Current Price: $141.11
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $162.98
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →BAC
Requires positive FCF to compute implied growth rate.
GILD
What growth rate is the market pricing in at $141?
+9.3%
Market-Implied Owner Earnings Growth
Standard FCF implies +10.9%
The market implies +9.3% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +10.9%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →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.
GILD
92/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. Margin Stability is the standout factor.
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.
GILD
-2.46
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 7.3%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.
GILD
Insiders 0.1%Institutions 92.6%Retail & Other 7.3%
No. of Institutional Holders2,969
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
GILD
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
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
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
GILD
12
Sells (3M)
40
Sells (12M)
Total value (12M): $74.81M
MERCIER JOHANNA
Officer
$432,690
@ $144.23 · 2026-03-16
DICKINSON ANDREW D
Chief Financial Officer
$432,690
@ $144.23 · 2026-03-16
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.45M
@ $144.79 · 2026-02-27
MERCIER JOHANNA
Officer
$4.32M
@ $154.44 · 2026-02-17
DICKINSON ANDREW D
Chief Financial Officer
$463,290
@ $154.43 · 2026-02-17
O'DAY DANIEL PATRICK
Chief Executive Officer
$17.35M
@ $150.00 · 2026-02-05
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.40M
@ $139.89 · 2026-01-28
O'DAY DANIEL PATRICK
Chief Executive Officer
$15.61M
@ $135.00 · 2026-01-23
BLUESTONE JEFFREY
Director
$617,500
@ $123.50 · 2026-01-20
MERCIER JOHANNA
Officer
$372,930
@ $124.31 · 2026-01-15
DICKINSON ANDREW D
Chief Financial Officer
$372,930
@ $124.31 · 2026-01-15
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.25M
@ $124.83 · 2025-12-29
MERCIER JOHANNA
Officer
$366,000
@ $122.00 · 2025-12-15
DICKINSON ANDREW D
Chief Financial Officer
$366,000
@ $122.00 · 2025-12-15
KRAMER KELLY A
Director
$713,186
@ $127.10 · 2025-11-28
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.27M
@ $126.54 · 2025-11-28
BLUESTONE JEFFREY
Director
$625,400
@ $125.08 · 2025-11-28
MERCIER JOHANNA
Officer
$3.52M
@ $125.86 · 2025-11-17
DICKINSON ANDREW D
Chief Financial Officer
$313,075
@ $125.23 · 2025-11-17
TELMAN DEBORAH H
General Counsel
$6.59M
@ $122.85 · 2025-11-12
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.19M
@ $119.39 · 2025-10-28
MERCIER JOHANNA
Officer
$354,240
@ $118.08 · 2025-10-15
DICKINSON ANDREW D
Chief Financial Officer
$295,200
@ $118.08 · 2025-10-15
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.12M
@ $111.66 · 2025-09-29
MERCIER JOHANNA
Officer
$340,710
@ $113.57 · 2025-09-15
DICKINSON ANDREW D
Chief Financial Officer
$283,925
@ $113.57 · 2025-09-15
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.14M
@ $113.63 · 2025-08-28
MERCIER JOHANNA
Officer
$3.32M
@ $118.53 · 2025-08-15
DICKINSON ANDREW D
Chief Financial Officer
$296,325
@ $118.53 · 2025-08-15
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.14M
@ $113.94 · 2025-07-28
MERCIER JOHANNA
Officer
$333,090
@ $111.03 · 2025-07-15
DICKINSON ANDREW D
Chief Financial Officer
$277,575
@ $111.03 · 2025-07-15
BLUESTONE JEFFREY
Director
$548,700
@ $109.74 · 2025-07-14
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.10M
@ $110.45 · 2025-06-30
MERCIER JOHANNA
Officer
$330,510
@ $110.17 · 2025-06-16
DICKINSON ANDREW D
Chief Financial Officer
$275,425
@ $110.17 · 2025-06-16
O'DAY DANIEL PATRICK
Chief Executive Officer
$1.10M
@ $110.42 · 2025-05-30
MERCIER JOHANNA
Officer
$3.01M
@ $107.52 · 2025-05-22
DICKINSON ANDREW D
Chief Financial Officer
$249,550
@ $99.82 · 2025-05-15
DICKINSON ANDREW D
Chief Financial Officer
$266,000
@ $106.40 · 2025-04-15
DICKINSON ANDREW D
Chief Financial Officer
$276,325
@ $110.53 · 2025-03-17
DICKINSON ANDREW D
Chief Financial Officer
$2.12M
@ $118.17 · 2025-03-10
DICKINSON ANDREW D
Chief Financial Officer
$260,225
@ $104.09 · 2025-02-18
DICKINSON ANDREW D
Chief Financial Officer
$14.07M
@ $102.22 · 2025-02-12
DICKINSON ANDREW D
Chief Financial Officer
$13.82M
@ $97.22 · 2025-01-31
DICKINSON ANDREW D
Chief Financial Officer
$228,375
@ $91.35 · 2025-01-15
DICKINSON ANDREW D
Chief Financial Officer
$781,660
@ $91.96 · 2024-12-16
DICKINSON ANDREW D
Chief Financial Officer
$23.07M
@ $92.76 · 2024-11-29
PARSEY MERDAD V
Officer
$15.09M
@ $91.92 · 2024-11-27
BLUESTONE JEFFREY
Director
$620,356
@ $91.39 · 2024-11-26
PARSEY MERDAD V
Officer
$2.34M
@ $91.50 · 2024-11-06
MERCIER JOHANNA
Officer
$456,400
@ $91.28 · 2024-11-06
PARSEY MERDAD V
Officer
$167,660
@ $83.83 · 2024-10-01
PARSEY MERDAD V
Officer
$1.80M
@ $84.50 · 2024-09-12
MERCIER JOHANNA
Officer
$2.46M
@ $83.78 · 2024-09-12
MERCIER JOHANNA
Officer
$742,299
@ $78.03 · 2024-08-28
MERCIER JOHANNA
Officer
$406,150
@ $73.98 · 2024-08-13
PARSEY MERDAD V
Officer
$137,260
@ $68.63 · 2024-07-01
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
😐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.
GILD
😐Neutral(55/100)
"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: Neutral (47)
GILD
⚪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 (55)