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

Bank of America Corporation (BAC) vs Masco Corporation (MAS)

BAC
Bank of America Corporation
$47.01
VS
MAS
Masco Corporation
$59.72

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.
MAS
  • ★Masco Corporation has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Masco Corporation scores 86/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Free cash flow has grown at a 12.0% CAGR over the past 4 years, demonstrating strong earnings power 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.
MAS
  • ⚠FCF yield of 7.1% suggests reasonable valuation assuming continued moderate growth.
  • ⚠High leverage (42.30x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
  • ⚠Insiders have sold $4.1M worth of stock in the past 3 months — significant insider liquidation.

Key Valuation Metrics

Learn more →
BAC
MAS
Valuation
N/A
Free Cash Flow
$866.00M
N/A
FCF Yield
7.12%
12.34
Trailing P/E
15.47
9.49
Forward P/E
12.91
Quality & Moat
4.61%
ROIC
26.83%
N/A
ROE
1065.79%
0.00%
Gross Margin
35.68%
0.58
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
42.30
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
1.82
2.38%
Dividend Yield
2.14%
BAC: 3Ties: 1MAS: 2
BACMAS

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.

MAS

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
MAS
$1.39
created per $1 retained over 3 years
Value Creator
Σ Retained
$1.77B
Δ Market Cap
+$2.45B
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
MAS
31.3% Margin of Safety
Price is 31.3% below estimated fair value
Current Price: $59.72
Fair Value: $86.87
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

Learn more →
BAC

Requires positive FCF to compute implied growth rate.

MAS

What growth rate is the market pricing in at $60?

+6.4%
Market-Implied Owner Earnings Growth
Standard FCF implies +5.5%

The market implies +6.4% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +5.5%, 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.
MAS
86/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. ROIC Consistency 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.
MAS
-2.66
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.
MAS
Insiders 0.2%Institutions 104.3%
No. of Institutional Holders1,177
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
MAS
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
MAS
2
Sells (3M)
4
Sells (12M)
Total value (12M): $10.54M
EISMAN HEATH M
Officer
$53,721
@ $71.92 · 2026-02-26
COLE KENNETH G
General Counsel
$4.00M
@ $77.03 · 2026-02-12
SHAH JAI
Officer
$6.30M
@ $76.04 · 2025-08-22
EISMAN HEATH M
Officer
$181,401
@ $74.62 · 2025-08-19
STRABER E RENEE
Officer
$225,302
@ $71.78 · 2025-03-11
ALEXANDER MARK R
Director
$1.49M
@ $74.03 · 2025-03-07
ALLMAN KEITH J
Chief Executive Officer
$1.66M
@ $76.36 · 2025-02-26
STEVENS CHARLES K III
Director
$254,731
@ $80.87 · 2024-11-06
STRABER E RENEE
Officer
$3.39M
@ $80.54 · 2024-11-04
COLE KENNETH G
General Counsel
$2.96M
@ $78.32 · 2024-09-10
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.
MAS
FearGreed
😨Fear(31/100)

"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

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)
MAS
⚪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 (31)
View BAC Full AnalysisView MAS Full Analysis
Bank of America Corporation (BAC) vs Masco Corporation (MAS) Stock Comparison | SafetyMargin.io