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Compare Stocks › BAC vs IR

Bank of America Corporation (BAC) vs Ingersoll Rand Inc. (IR)

BAC
Bank of America Corporation
$47.01
VS
IR
Ingersoll Rand Inc.
$82.16

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.
IR
  • ★Free cash flow has grown at a 16.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
  • ★Each dollar of retained earnings has created $4.67 of market value — management is an exceptional capital allocator.

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.
IR
  • ⚠Trailing P/E of 56.7x is 31% above the historical average of 43.3x — the stock trades at a premium to its own history.
  • ⚠PEG ratio of 3.08 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
  • ⚠12 insider sales totaling $56.7M with no purchases in the past 3 months — insiders are reducing their exposure.

Key Valuation Metrics

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BAC
IR
Valuation
N/A
Free Cash Flow
$1.08B
N/A
FCF Yield
3.31%
12.34
Trailing P/E
56.66
9.49
Forward P/E
21.09
Quality & Moat
4.61%
ROIC
7.90%
N/A
ROE
5.73%
0.00%
Gross Margin
43.61%
0.58
PEG Ratio
3.08
Balance Sheet Safety
N/A
Debt / Equity
0.51
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
1.93
2.38%
Dividend Yield
0.10%
BAC: 4Ties: 1IR: 2
BACIR

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.

IR

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
IR
$4.67
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.10B
Δ Market Cap
+$9.82B
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
IR
206.8% Overvalued
Price is 206.8% above estimated fair value
Current Price: $82.16
Fair Value: $26.78
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.

IR

What growth rate is the market pricing in at $82?

+23.3%
Market-Implied Owner Earnings Growth
Standard FCF implies +14.8%

The market implies +23.3% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +14.8%, 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.
IR
59/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None

Narrow moat with reinvestment efficiency 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.
IR
-2.55
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.
IR
Insiders 0.2%Institutions 97.0%Retail & Other 2.8%
No. of Institutional Holders1,244
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
IR
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
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
IR
12
Sells (3M)
16
Sells (12M)
Total value (12M): $61.34M
REYNAL VICENTE
Chief Executive Officer
$11.11M
@ $94.11 · 2026-03-02
KINI VIKRAM
Chief Financial Officer
$2.74M
@ $96.50 · 2026-02-20
HUMPHREY JOHN R.
Director
$412,370
@ $95.90 · 2026-02-19
REYNAL VICENTE
Chief Executive Officer
$90,000
@ $100.00 · 2026-02-18
SCHIESL ANDREW R
General Counsel
$1.76M
@ $98.00 · 2026-02-17
HEPDING ELIZABETH MELOY
Officer
$1.77M
@ $97.11 · 2026-02-17
REYNAL VICENTE
Chief Executive Officer
$9.17M
@ $99.25 · 2026-02-17
SCHESKE MICHAEL J
Officer
$1.87M
@ $97.67 · 2026-02-17
KEENE KATHLEEN M
Officer
$1.19M
@ $99.46 · 2026-02-17
REYNAL VICENTE
Chief Executive Officer
$44,000
@ $100.00 · 2026-02-11
REYNAL VICENTE
Chief Executive Officer
$9.75M
@ $97.54 · 2026-02-04
REYNAL VICENTE
Chief Executive Officer
$16.83M
@ $88.12 · 2026-01-16
SCHESKE MICHAEL J
Officer
$119,086
@ $80.63 · 2025-12-01
REYNAL VICENTE
Chief Executive Officer
$3.21M
@ $83.03 · 2025-05-20
HEPDING ELIZABETH MELOY
Officer
$293,230
@ $83.78 · 2025-05-14
SCHIESL ANDREW R
General Counsel
$976,316
@ $84.90 · 2025-05-13
SCHIESL ANDREW R
General Counsel
$1.15M
@ $87.05 · 2025-02-18
SCHIESL ANDREW R
General Counsel
$2.30M
@ $95.08 · 2024-11-05
SCHESKE MICHAEL J
Officer
$246,621
@ $97.44 · 2024-11-05
KEENE KATHLEEN M
Officer
$420,673
@ $90.00 · 2024-08-28
HEPDING ELIZABETH MELOY
Officer
$685,650
@ $91.42 · 2024-08-21
REYNAL VICENTE
Chief Executive Officer
$4.63M
@ $92.51 · 2024-08-15
SCHIESL ANDREW R
General Counsel
$2.16M
@ $90.05 · 2024-08-09
REYNAL VICENTE
Chief Executive Officer
$40.76M
@ $89.20 · 2024-06-04
SCHIESL ANDREW R
General Counsel
$2.06M
@ $92.18 · 2024-05-17
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.
IR
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)
IR
⚪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 IR Full Analysis