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

Bank of America Corporation (BAC) vs General Motors Company (GM)

BAC
Bank of America Corporation
$47.01
VS
GM
General Motors Company
$73.79

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.
GM
  • ★Share count has been reduced by 35% over the past 4 years through buybacks, increasing each share's claim on earnings.
  • ★Each dollar of retained earnings has created $1.56 of market value — management is creating shareholder value.
  • ★FCF yield of 12.4% is historically attractive — the business generates significant cash relative to its price.

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.
GM
  • ⚠Gross margin of 10.7% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠General Motors Company scores only 27/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
  • ⚠Trailing P/E of 22.6x is 110% above the historical average of 10.8x — the stock trades at a premium to its own history.

Key Valuation Metrics

Learn more →
BAC
GM
Valuation
N/A
Free Cash Flow
$8.56B
N/A
FCF Yield
12.43%
12.34
Trailing P/E
22.57
9.49
Forward P/E
5.32
Quality & Moat
4.61%
ROIC
4.91%
N/A
ROE
5.03%
0.00%
Gross Margin
10.72%
0.58
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
2.08
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
5.89
2.38%
Dividend Yield
0.98%
BAC: 2Ties: 1GM: 3
BACGM

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.

GM

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
GM
$1.56
created per $1 retained over 3 years
Value Creator
Σ Retained
$16.93B
Δ Market Cap
+$26.42B
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
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
GM
Insufficient Data
Enter initial FCF to calculate intrinsic value
Current Price: $73.79
Fair Value: $0.00
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

Learn more →
BAC

Requires positive FCF to compute implied growth rate.

GM

What growth rate is the market pricing in at $74?

+23.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +7.8%

The market implies +23.6% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +7.8%, reflecting heavy growth investment.

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.
GM
27/100
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.

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.
GM
-2.36
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.
GM
Insiders 0.3%Institutions 88.2%Retail & Other 11.5%
No. of Institutional Holders2,036
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
GM
0
Buys (3M)
0
Buys (12M)
KELLY ALFRED FRANCIS JR.
Director
$607,920
@ $50.66 · 2025-01-30
JACOBSON PAUL A
Chief Financial Officer
$1.10M
@ $44.11 · 2024-07-26
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
GM
1
Sells (3M)
13
Sells (12M)
Total value (12M): $122.13M
REUSS MARK L
President
$38.71M
@ $80.52 · 2026-02-17
HATTO CHRISTOPHER
Officer
$556,128
@ $72.00 · 2025-11-12
HATTO CHRISTOPHER
Officer
$1.10M
@ $70.00 · 2025-10-28
REUSS MARK L
President
$17.32M
@ $66.45 · 2025-10-22
HARVEY RORY
Officer
$408,870
@ $61.95 · 2025-09-26
HATTO CHRISTOPHER
Officer
$1.43M
@ $61.01 · 2025-09-26
REUSS MARK L
President
$9.80M
@ $60.10 · 2025-09-25
BARRA MARY TERESA
Chief Executive Officer
$46.61M
@ $59.95 · 2025-09-24
HARVEY RORY
Officer
$267,317
@ $59.95 · 2025-09-12
BARRA MARY TERESA
Chief Executive Officer
$1.77M
@ $59.92 · 2025-09-12
HATTO CHRISTOPHER
Officer
$865,353
@ $59.00 · 2025-08-27
HATTO CHRISTOPHER
Officer
$2.03M
@ $55.10 · 2025-08-13
HARVEY RORY
Officer
$1.27M
@ $53.01 · 2025-08-05
HARVEY RORY
Officer
$535,229
@ $60.01 · 2024-11-25
GLIDDEN CRAIG B
General Counsel
$21.70M
@ $56.63 · 2024-11-18
BARRA MARY TERESA
Chief Executive Officer
$11.91M
@ $57.60 · 2024-11-11
REUSS MARK L
President
$6.75M
@ $55.16 · 2024-11-06
HARVEY RORY
Officer
$502,671
@ $54.01 · 2024-10-23
BARRA MARY TERESA
Chief Executive Officer
$27.03M
@ $53.33 · 2024-10-23
HARVEY RORY
Officer
$736,061
@ $48.76 · 2024-08-26
BARRA MARY TERESA
Chief Executive Officer
$29.87M
@ $47.69 · 2024-06-11
REUSS MARK L
President
$2.31M
@ $46.24 · 2024-06-10
BLISSETT JULIAN G
Officer
$714,465
@ $45.00 · 2024-05-31
REUSS MARK L
President
$6.52M
@ $43.44 · 2024-05-28
BARRA MARY TERESA
Chief Executive Officer
$27.22M
@ $43.46 · 2024-05-28
HATTO CHRISTOPHER
Officer
$157,500
@ $45.00 · 2024-03-28
JOHNSON GERALD
Officer
$1.23M
@ $45.26 · 2024-03-28
GLIDDEN CRAIG B
General Counsel
$2.27M
@ $45.24 · 2024-03-28
HARVEY RORY
Officer
$219,504
@ $43.04 · 2024-03-21
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
😐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.
GM
FearGreed
😐Neutral(49/100)

"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)
GM
⚪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 (49)
View BAC Full AnalysisView GM Full Analysis