Compare Stocks › BAC vs TYL
Bank of America Corporation (BAC) vs Tyler Technologies, Inc. (TYL)
BAC
Bank of America Corporation
$47.01
VS
TYL
Tyler Technologies, Inc.
$350.07
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.
TYL
- ★Free cash flow has grown at a 23.3% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $8.20 of market value — management is an exceptional capital allocator.
- ★Trailing P/E of 48.6x is 43% below the historical average of 85.7x — 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.
TYL
- ⚠PEG ratio of 44.14 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →BAC
TYL
Valuation
N/A
Free Cash Flow
$503.55M
N/A
FCF Yield
3.35%
12.34
Trailing P/E
48.55
9.49
Forward P/E
24.67
Quality & Moat
4.61%
ROIC
5.58%
N/A
ROE
8.52%
0.00%
Gross Margin
46.46%
0.58
PEG Ratio
44.14
Balance Sheet Safety
N/A
Debt / Equity
0.17
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
-1.05
2.38%
Dividend Yield
N/A
BAC: 3Ties: 1TYL: 2
BACTYL
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.
TYL
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
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
TYL
$8.20
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$744.5M
Δ Market Cap
+$6.10B
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
> $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
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $131.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
TYL
54.1% Overvalued
Price is 54.1% above estimated fair value
Current Price: $350.07
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $227.12
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →BAC
Requires positive FCF to compute implied growth rate.
TYL
What growth rate is the market pricing in at $350?
+19.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +12.8%
The market implies +19.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +12.8%, reflecting heavy growth investment expected to generate future returns.
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.
TYL
62/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability 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
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.
TYL
-2.70
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.
TYL
Insiders 0.5%Institutions 101.4%
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
TYL
2
Buys (3M)
2
Buys (12M)
Total value (12M): $694,152
TEED ANDREW D.
Director
$495,856
@ $309.91 · 2026-02-23
DIAZ-PEDROSA ABIGAIL MARSHALL
Officer
$198,296
@ $325.08 · 2026-02-20
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
TYL
3
Sells (3M)
28
Sells (12M)
Total value (12M): $37.10M
CARTER GLENN A.
Director
$567,003
@ $349.14 · 2026-03-12
PUCKETT JEFFREY DAVID
Chief Operating Officer
$1.91M
@ $369.93 · 2026-03-05
POPE DANIEL M
Director
$177,700
@ $355.40 · 2026-03-02
MILLER BRIAN K.
Chief Financial Officer
$448,510
@ $448.51 · 2025-12-15
CARTER GLENN A.
Director
$229,364
@ $458.73 · 2025-12-12
MILLER BRIAN K.
Chief Financial Officer
$458,650
@ $458.65 · 2025-12-12
MILLER BRIAN K.
Chief Financial Officer
$469,080
@ $469.08 · 2025-11-25
CARTER GLENN A.
Director
$403,725
@ $538.30 · 2025-09-15
MARR JOHN S JR
Officer and Director
$2.24M
@ $560.65 · 2025-09-09
MARR JOHN S JR
Officer and Director
$2.36M
@ $555.53 · 2025-08-28
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.09M
@ $588.89 · 2025-08-11
CLINE BRENDA A
Director
$1.54M
@ $616.65 · 2025-08-06
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.05M
@ $580.77 · 2025-07-31
MILLER BRIAN K.
Chief Financial Officer
$696,866
@ $580.72 · 2025-06-13
MILLER BRIAN K.
Chief Financial Officer
$613,041
@ $587.20 · 2025-06-12
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.07M
@ $585.18 · 2025-06-10
MILLER BRIAN K.
Chief Financial Officer
$703,101
@ $585.92 · 2025-06-10
MARR JOHN S JR
Officer and Director
$2.29M
@ $572.41 · 2025-06-09
MILLER BRIAN K.
Chief Financial Officer
$693,187
@ $577.66 · 2025-06-06
DIAZ-PEDROSA ABIGAIL MARSHALL
Officer
$215,100
@ $573.60 · 2025-06-05
MARR JOHN S JR
Officer and Director
$1.65M
@ $572.51 · 2025-05-30
MILLER BRIAN K.
Chief Financial Officer
$1.89M
@ $568.46 · 2025-05-23
MARR JOHN S JR
Officer and Director
$2.27M
@ $568.66 · 2025-05-22
CLINE BRENDA A
Director
$1.44M
@ $577.42 · 2025-05-16
MILLER BRIAN K.
Chief Financial Officer
$1.04M
@ $576.65 · 2025-05-16
MARR JOHN S JR
Officer and Director
$2.79M
@ $558.86 · 2025-05-09
MILLER BRIAN K.
Chief Financial Officer
$575,639
@ $557.79 · 2025-05-07
POPE DANIEL M
Director
$200,750
@ $550.00 · 2025-05-02
MARR JOHN S JR
Officer and Director
$3.71M
@ $619.00 · 2025-03-06
MILLER BRIAN K.
Chief Financial Officer
$950,904
@ $613.88 · 2025-03-04
PUCKETT JEFFREY DAVID
Chief Operating Officer
$5.17M
@ $608.53 · 2025-02-28
MOORE HORACE LYNN JR.
Chief Executive Officer
$4.02M
@ $617.59 · 2025-02-26
MOORE HORACE LYNN JR.
Chief Executive Officer
$4.92M
@ $614.54 · 2025-02-25
MILLER BRIAN K.
Chief Financial Officer
$4.14M
@ $613.75 · 2024-12-13
MARR JOHN S JR
Officer and Director
$3.80M
@ $633.55 · 2024-12-04
MILLER BRIAN K.
Chief Financial Officer
$1.58M
@ $632.01 · 2024-12-04
MOORE HORACE LYNN JR.
Chief Executive Officer
$2.05M
@ $631.41 · 2024-11-27
MARR JOHN S JR
Chairman of the Board
$7.36M
@ $613.66 · 2024-11-25
MARR JOHN S JR
Chairman of the Board
$6.79M
@ $616.88 · 2024-11-13
MOORE HORACE LYNN JR.
Chief Executive Officer
$5.45M
@ $623.02 · 2024-11-08
MILLER BRIAN K.
Chief Financial Officer
$1.56M
@ $624.41 · 2024-11-08
MILLER BRIAN K.
Chief Financial Officer
$3.03M
@ $606.71 · 2024-11-07
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.79M
@ $605.82 · 2024-11-06
MOORE HORACE LYNN JR.
Chief Executive Officer
$2.88M
@ $576.62 · 2024-09-12
MOORE HORACE LYNN JR.
Chief Executive Officer
$2.95M
@ $590.98 · 2024-09-10
MILLER BRIAN K.
Chief Financial Officer
$1.47M
@ $586.04 · 2024-09-09
CARTER GLENN A.
Director
$1.95M
@ $582.57 · 2024-09-05
MILLER BRIAN K.
Chief Financial Officer
$2.94M
@ $587.97 · 2024-08-30
MARR JOHN S JR
Officer and Director
$5.79M
@ $578.51 · 2024-08-21
MARR JOHN S JR
Officer and Director
$5.75M
@ $575.50 · 2024-08-09
MILLER BRIAN K.
Chief Financial Officer
$2.58M
@ $573.36 · 2024-08-08
MOORE HORACE LYNN JR.
Chief Executive Officer
$3.60M
@ $576.49 · 2024-08-06
PUCKETT JEFFREY DAVID
Chief Operating Officer
$3.44M
@ $574.79 · 2024-07-31
POPE DANIEL M
Director
$159,022
@ $578.26 · 2024-07-29
MILLER BRIAN K.
Chief Financial Officer
$771,442
@ $482.15 · 2024-06-12
MARR JOHN S JR
Officer and Director
$5.81M
@ $484.08 · 2024-06-06
POPE DANIEL M
Director
$255,414
@ $491.18 · 2024-05-15
MARR JOHN S JR
Officer and Director
$5.84M
@ $486.70 · 2024-05-15
MOORE HORACE LYNN JR.
Chief Executive Officer
$5.39M
@ $479.22 · 2024-05-08
MILLER BRIAN K.
Chief Financial Officer
$1.24M
@ $465.03 · 2024-05-03
CLINE BRENDA A
Director
$2.29M
@ $458.83 · 2024-04-29
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
Learn more →BAC
😐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.
TYL
😨Fear(35/100)
"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)
TYL
⚪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 (35)