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Compare Stocks › BAC vs PPG

Bank of America Corporation (BAC) vs PPG Industries, Inc. (PPG)

BAC
Bank of America Corporation
$47.01
VS
PPG
PPG Industries, Inc.
$98.38

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.
PPG
  • ★PPG Industries, Inc. scores 84/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
  • ★Free cash flow has grown at a 34.6% CAGR over the past 4 years, demonstrating strong earnings power growth.
  • ★Trailing P/E of 14.2x is 41% below the historical average of 24.1x — potentially undervalued relative to its own history.

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.
PPG
  • ⚠FCF yield of 5.3% suggests reasonable valuation assuming continued moderate growth.
  • ⚠5 insider sales totaling $15.2M with no purchases in the past 3 months — insiders are reducing their exposure.

Key Valuation Metrics

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BAC
PPG
Valuation
N/A
Free Cash Flow
$1.16B
N/A
FCF Yield
5.28%
12.34
Trailing P/E
14.22
9.49
Forward P/E
11.30
Quality & Moat
4.61%
ROIC
8.71%
N/A
ROE
19.46%
0.00%
Gross Margin
41.63%
0.58
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
0.98
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
2.14
2.38%
Dividend Yield
2.89%
BAC: 2Ties: 1PPG: 3
BACPPG

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.

PPG

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
PPG
$-3.15
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$2.11B
Δ Market Cap
$-6.67B
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
PPG
28.6% Margin of Safety
Price is 28.6% below estimated fair value
Current Price: $98.38
Fair Value: $137.76
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.

PPG

What growth rate is the market pricing in at $98?

+6.0%
Market-Implied Owner Earnings Growth
Standard FCF implies +10.1%

The market implies +6.0% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +10.1%, reflecting heavy growth investment expected to generate future returns.

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.
PPG
84/100
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

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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.
PPG
-2.48
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.
PPG
Insiders 0.1%Institutions 91.4%Retail & Other 8.4%
No. of Institutional Holders1,348
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
PPG
0
Buys (3M)
0
Buys (12M)
KNAVISH TIMOTHY M
Chief Executive Officer
$274,615
@ $133.24 · 2024-05-08
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
PPG
5
Sells (3M)
5
Sells (12M)
Total value (12M): $15.22M
FOULKES ANNE M.
Officer
$447,848
@ $124.61 · 2026-02-20
MORALES VINCENT J
Chief Financial Officer
$10.23M
@ $131.00 · 2026-02-13
MORALES VINCENT J
Chief Financial Officer
$3.71M
@ $125.00 · 2026-02-04
HAGERTY CHANCEY E.
Officer
$260,078
@ $115.59 · 2026-01-29
MORALES VINCENT J
Chief Financial Officer
$572,000
@ $110.00 · 2026-01-15
KNAVISH TIMOTHY M
Chief Executive Officer
$568,080
@ $118.35 · 2025-02-14
FOULKES ANNE M.
General Counsel
$249,713
@ $125.80 · 2024-10-31
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.
PPG
FearGreed
😨Fear(33/100)

"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)
PPG
⚪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 (33)
View BAC Full AnalysisView PPG Full Analysis
Bank of America Corporation (BAC) vs PPG Industries, Inc. (PPG) Stock Comparison | SafetyMargin.io