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Bank of America Corporation (BAC) vs Regeneron Pharmaceuticals, Inc. (REGN): Which Is the Better Buy in 2026?

As of 2026-11-02, BAC is undervalued at $50, with a DCF intrinsic value of $180 and a margin of safety of 72%. REGN is overvalued at $928, with an intrinsic value of $730 and a margin of safety of -27%. Of the two, BAC has the wider margin of safety.

BAC
Bank of America Corporation
$50.01
VS
REGN
Regeneron Pharmaceuticals, Inc.
$927.89

Rewards

BAC
  • ★Bank of America Corporation scores 100/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★PEG ratio of 0.91 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
REGN
  • ★Regeneron Pharmaceuticals, Inc. scores 80/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Altman Z-Score of 7.56 indicates very low bankruptcy risk — the company is firmly in the safe zone.
  • ★Net debt/EBITDA of -1.2x means the company holds more cash than debt — a net cash position.

Risks

BAC
  • ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠Altman Z-Score of 0.22 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
REGN
  • ⚠ROIC has declined by 7.3 percentage points over the past 4 years, which may signal competitive erosion.
  • ⚠Each dollar of retained earnings has produced only $0.15 of earning power — shareholders may have been better served by dividends.
  • ⚠Insiders have sold $3.3M worth of stock in the past 3 months — significant insider liquidation.

Key Valuation Metrics

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BAC
REGN
Valuation
N/A
Free Cash Flow
$3.77B
N/A
FCF Yield
3.92%
11.94
Trailing P/E
20.51
9.64
Forward P/E
13.73
Quality & Moat
3.80%
ROIC
14.92%
10.73%
ROE
14.95%
0.00%
Gross Margin
46.73%
0.91
PEG Ratio
1.58
Balance Sheet Safety
N/A
Net Debt / Equity
Net cash
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-1.17
2.56%
Dividend Yield
0.41%
BAC: 4Ties: 1REGN: 3
BACREGN

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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

REGN

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

$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
REGN
$0.20
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$12.50B
Δ Market Cap
+$2.52B
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
72.2% Margin of Safety
Price is 72.2% below estimated fair value
Current Price: $50.01
Fair Value: $180.08
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
REGN
27.0% Overvalued
Price is 27.0% above estimated fair value
Current Price: $927.89
Fair Value: $730.41
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.

REGN

What growth rate is the market pricing in at $928?

+7.6%
Market-Implied Owner Earnings Growth
Standard FCF implies +10.0%

The market implies +7.6% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +10.0%, reflecting heavy growth investment.

Economic Moat Score

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BAC
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

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.
REGN
80/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Revenue Predictability 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 5 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.
REGN
-2.51
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 7.1%Institutions 71.9%Retail & Other 21.0%
No. of Institutional Holders4,517
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.
REGN
Insiders 2.1%Institutions 93.2%Retail & Other 4.7%
No. of Institutional Holders1,986
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
REGN
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
0
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
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
REGN
4
Sells (3M)
14
Sells (12M)
Total value (12M): $8.65M
MCCOURT MARION E
Officer
$2.00M
@ $853.56 · 2026-09-03
GUARINI KATHRYN PH.D.
Director
$340,000
@ $850.00 · 2026-09-02
ZOGHBI HUDA Y
Director
$640,000
@ $800.00 · 2026-08-10
GUARINI KATHRYN PH.D.
Director
$320,000
@ $800.00 · 2026-08-10
RYAN ARTHUR F.
Director
$130,030
@ $650.15 · 2026-07-02
RYAN ARTHUR F.
Director
$70,524
@ $705.24 · 2026-05-01
RYAN ARTHUR F.
Director
$77,727
@ $777.27 · 2026-04-01
RYAN ARTHUR F.
Director
$78,550
@ $785.50 · 2026-03-02
ZOGHBI HUDA Y
Director
$1.28M
@ $781.33 · 2026-02-19
PITOFSKY JASON
Officer
$1.59M
@ $778.52 · 2026-02-09
RYAN ARTHUR F.
Director
$77,853
@ $778.53 · 2026-02-09
BASSLER BONNIE L
Director
$1.20M
@ $800.00 · 2026-01-07
BASSLER BONNIE L
Director
$570,000
@ $750.00 · 2025-11-20
PITOFSKY JASON
Officer
$280,766
@ $651.43 · 2025-11-07
POON CHRISTINE A
Director
$4.25M
@ $654.27 · 2025-10-29
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
😨Fear(39/100)

"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.
REGN
FearGreed
😏Greed(74/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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: Fear (39)
REGN
⚪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: Greed (74)
View BAC Full AnalysisView REGN Full Analysis

Frequently Asked Questions: BAC vs REGN

Is Bank of America Corporation or Regeneron Pharmaceuticals, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, BAC trades at a 72.2% margin of safety (intrinsic value $180 vs. price $50), compared to REGN's -27.0% margin of safety (intrinsic $730 vs. $928).

Which stock has a wider economic moat, Bank of America Corporation or Regeneron Pharmaceuticals, Inc.?▼

BAC scores 100/100 (Wide moat), while REGN scores 80/100 (Wide moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is Bank of America Corporation in financial distress?▼

BAC's Altman Z-Score of 0.2 places it in the Distress zone, signaling elevated bankruptcy risk. REGN scores 7.6 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, Bank of America Corporation or Regeneron Pharmaceuticals, Inc.?▼

REGN earns 14.9% ROIC versus BAC's 3.8%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, Bank of America Corporation's or Regeneron Pharmaceuticals, Inc.'s?▼

REGN's dividend earns a safety score of 85/100 (Very Safe), compared to BAC's 79/100 (Safe). REGN has raised its dividend for 0 consecutive years.

BAC vs REGN: Which Is the Better Buy in 2026? | SafetyMargin.io