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Compare Stocks › BAC vs STZ

Bank of America Corporation (BAC) vs Constellation Brands, Inc. (STZ)

BAC
Bank of America Corporation
$47.01
VS
STZ
Constellation Brands, Inc.
$151.91

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.
STZ
  • ★Constellation Brands, Inc. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
  • ★Constellation Brands, Inc. scores 87/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Dividend yield of 2.69% with a consistent or growing payout over the past 4 years.

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.
STZ
  • ⚠FCF yield of 7.4% suggests reasonable valuation assuming continued moderate growth.

Key Valuation Metrics

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BAC
STZ
Valuation
N/A
Free Cash Flow
$1.97B
N/A
FCF Yield
7.45%
12.34
Trailing P/E
23.85
9.49
Forward P/E
12.28
Quality & Moat
4.61%
ROIC
13.47%
N/A
ROE
-1.02%
0.00%
Gross Margin
52.14%
0.58
PEG Ratio
N/A
Balance Sheet Safety
N/A
Debt / Equity
1.33
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
2.96
2.38%
Dividend Yield
2.69%
BAC: 2Ties: 1STZ: 3
BACSTZ

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.

STZ

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
STZ
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-398.3M
Δ Market Cap
$-19.42B
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

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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
STZ
8.6% Margin of Safety
Price is 8.6% below estimated fair value
Current Price: $151.91
Fair Value: $166.26
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.

STZ

What growth rate is the market pricing in at $152?

+6.8%
Market-Implied FCF Growth Rate

Market roughly matching historical growth — reasonable.

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.
STZ
87/100
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.

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.
STZ
-3.41
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.
STZ
Insiders 19.9%Institutions 78.9%Retail & Other 1.2%
No. of Institutional Holders1,411
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
STZ
0
Buys (3M)
1
Buys (12M)
Total value (12M): $340,886
BALDWIN CHRISTOPHER J.
Director
$340,886
@ $170.44 · 2025-07-08
GILES WILLIAM T
Director
$186,390
@ $186.39 · 2025-01-17
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
STZ
1
Sells (3M)
3
Sells (12M)
Total value (12M): $817,995
GLAETZER SAMUEL J
Officer
$85,345
@ $153.77 · 2026-02-17
BOURDEAU JAMES O
Officer
$138,749
@ $169.00 · 2025-07-21
GLAETZER SAMUEL J
Officer
$593,901
@ $188.54 · 2025-05-13
SER BUSINESS HOLDINGS LP
Beneficial Owner of more than 10% of a Class of Security
$159,060
@ $241.00 · 2024-11-20
SABIA JAMES ANTHONY JR.
President
$8.77M
@ $242.99 · 2024-11-14
NEWLANDS WILLIAM A
Chief Executive Officer
$6.09M
@ $243.58 · 2024-11-14
CAREY KANEENAT KRISTANN
Officer
$78,870
@ $239.00 · 2024-11-13
NEWLANDS WILLIAM A
Chief Executive Officer
$1.76M
@ $237.24 · 2024-10-29
GLAETZER SAMUEL J
Officer
$370,809
@ $245.57 · 2024-10-14
HANKINSON GARTH
Chief Financial Officer
$8.09M
@ $240.10 · 2024-08-09
MCCARTHY DANIEL J
Director
$468,009
@ $252.43 · 2024-07-26
CAREY KANEENAT KRISTANN
Officer
$254,997
@ $261.00 · 2024-07-12
NEWLANDS WILLIAM A
Chief Executive Officer
$6.54M
@ $261.54 · 2024-05-10
MCGREW MICHAEL
Officer
$827,043
@ $255.50 · 2024-05-03
NEWLANDS WILLIAM A
Chief Executive Officer
$1.06M
@ $263.25 · 2024-04-19
SABIA JAMES ANTHONY JR.
Officer
$4.16M
@ $263.63 · 2024-04-12
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.
STZ
FearGreed
😐Neutral(41/100)

"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

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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)
STZ
⚪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 (41)
View BAC Full AnalysisView STZ Full Analysis