BAC vs HSBC vs WFC
161 measures in 16 categories, one definition each, computed from filings and market data.
BAC55.0
Bank of America Corporation
Financial Services · Banks - Diversified
$51.23 −0.93%$358.2B mkt cap
Score DNA
HSBC54.5
HSBC Holdings plc
Financial Services · Banks - Diversified
$94.57 +0.03%$324.6B mkt cap
Score DNA
WFC42.7
Wells Fargo & Company
Financial Services · Banks - Diversified
$83.87 +1.37%$253.6B mkt cap
Score DNA
Price, rebased to 100 three years ago
BAC HSBC WFC · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 1 | 0 | 14 |
| Last Congress purchase | 2026-07-07 | — | 2026-09-25 |
| 13F net change in holders | +130 | +70 | +62 |
| ETFs adding shares, 30d | 1,508 | 19 | 1,326 |
| ETFs trimming, 30d | 1,383 | 13 | 1,203 |
| Net ETF funds, 30d | +125 | +6 | +123 |
Valuation
16 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| P/E (TTM) | 10.6x
0th
|
12.7x
60th
|
11.2x
20th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 1.37
60th
|
2.03
80th
|
0.60
0th
|
| Price / sales | 1.8x
20th
|
2.5x
80th
|
2.0x
40th
|
| Price / book | 1.2x
20th
|
1.7x
80th
|
1.4x
40th
|
| Price / tangible book | 1.8x
60th
|
1.8x
40th
|
1.6x
20th
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 9.4%
100th
|
7.9%
40th
|
8.9%
80th
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $65.46
20th
|
$97.10
40th
|
$98.38
60th
|
Profitability (TTM)
12 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 22.5%
60th
|
25.9%
80th
|
21.2%
40th
|
| EBIT margin | 22.5%
60th
|
25.9%
80th
|
21.2%
40th
|
| Net margin | 17.2%
40th
|
19.6%
80th
|
17.5%
60th
|
| NOPAT margin | 17.2%
40th
|
20.1%
80th
|
17.7%
60th
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 27.1%
80th
|
0.0%
0th
|
27.0%
60th
|
| Stock comp / revenue | 2.1%
100th
|
0.1%
80th
|
0.0%
0th
|
| Effective tax rate | 23.3%
80th
|
22.6%
60th
|
16.5%
20th
|
Returns on capital
11 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| ROE (on average equity) | 11.2%
40th
|
13.8%
80th
|
12.5%
60th
|
| ROA | 1.0%
60th
|
0.8%
40th
|
1.1%
80th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 1.3%
60th
|
1.0%
40th
|
1.3%
80th
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 10.0%
20th
|
11.5%
60th
|
10.7%
40th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Revenue growth (TTM YoY) | 3.0%
20th
|
8.7%
100th
|
5.5%
60th
|
| Revenue growth (QoQ) | 3.1%
40th
|
0.9%
0th
|
5.6%
60th
|
| Revenue CAGR, 3 yr | 9.4%
20th
|
30.3%
100th
|
8.6%
0th
|
| Revenue CAGR, 5 yr | 16.8%
60th
|
18.3%
80th
|
9.8%
0th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 9.6%
20th
|
23.9%
100th
|
13.6%
80th
|
| Net income growth (TTM YoY) | 19.9%
40th
|
34.7%
80th
|
10.0%
0th
|
| Net income CAGR, 3 yr | 4.2%
20th
|
1.4%
0th
|
11.4%
100th
|
| EPS growth (TTM YoY) | 25.8%
40th
|
37.7%
80th
|
16.7%
0th
|
| EPS CAGR, 3 yr | 7.8%
40th
|
6.3%
20th
|
18.7%
100th
|
| EPS CAGR, 5 yr | 7.8%
40th
|
23.1%
100th
|
12.6%
80th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 5.6%
20th
|
7.2%
60th
|
6.5%
40th
|
| Dividend CAGR, 3 yr | 4.4%
40th
|
1.5%
20th
|
7.6%
100th
|
| Sustainable growth rate | 8.0%
40th
|
6.0%
20th
|
8.9%
60th
|
Margin history & stability
7 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 17.5%
20th
|
18.8%
40th
|
19.3%
60th
|
| Net margin, 3-yr average | 15.1%
20th
|
15.5%
40th
|
16.5%
60th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.91
60th
|
0.31
0th
|
0.92
80th
|
| Earnings stability (0-1) | 0.20
40th
|
0.60
60th
|
0.78
100th
|
| Margin stability (0-1) | 0.71
40th
|
0.70
20th
|
0.81
100th
|
Liquidity (latest quarter)
7 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 91.4%
0th
|
94.3%
80th
|
92.0%
20th
|
| IS credit model rating | BBB- | BBB- | A- |
| Implied credit spread (bps) | 350
40th
|
350
40th
|
175
20th
|
Efficiency
11 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| IS score | 55
100th
|
55
80th
|
43
40th
|
| IS profitability | 57
40th
|
65
80th
|
60
60th
|
| IS growth | 55
20th
|
64
100th
|
51
0th
|
| IS value | 82
80th
|
72
40th
|
83
100th
|
| IS momentum | 84
60th
|
90
100th
|
66
40th
|
| IS risk (safety) | 50
0th
|
50
0th
|
100
80th
|
| IS quality | 67
80th
|
80
100th
|
52
40th
|
| IS balance sheet | 12
0th
|
52
100th
|
45
60th
|
| IS earnings quality | 94
80th
|
98
100th
|
88
60th
|
| IS cash flow | 77
100th
|
54
60th
|
51
40th
|
| Piotroski F-score (0-9) | 8
80th
|
7
60th
|
5
0th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −6.50
100th
|
−6.69
80th
|
−6.71
60th
|
| IS credit score | 51
20th
|
55
40th
|
69
80th
|
Size (TTM)
8 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| Market cap | $358.2B
80th
|
$324.6B
60th
|
$253.6B
40th
|
| Revenue | $195.2B
80th
|
$129.7B
40th
|
$129.1B
20th
|
| EBITDA | $46.3B
80th
|
$39.7B
60th
|
$35.0B
40th
|
| Net income | $33.7B
80th
|
$25.5B
60th
|
$22.6B
40th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $3.50T
80th
|
$3.44T
60th
|
$2.28T
20th
|
| Shareholders' equity | $301.1B
80th
|
$196.7B
40th
|
$180.2B
20th
|
| Employees | 211,000
60th
|
209,000
40th
|
197,466
20th
|
Price performance
9 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| 1 day | −0.9% | +0.0% | +1.4% |
| 1 week | −5.7% | +1.7% | +0.4% |
| 1 month | −12.0% | −8.0% | −3.5% |
| 3 months | −15.2% | −4.5% | −2.8% |
| 6 months | −5.0% | +2.6% | +3.0% |
| Year to date | −8.4% | +17.6% | −11.4% |
| 1 year | −1.5% | +43.4% | −2.5% |
| 3 years, cumulative | +100.5% | +172.9% | +123.6% |
| 5 years, cumulative | +28.5% | +331.4% | +94.2% |
Technicals
4 measures| Measure | BAC | HSBC | WFC |
|---|---|---|---|
| RSI 14 | 23.9 | 38.1 | 52.4 |
| From 52-week high | −21.5% | −12.1% | −13.8% |
| From 52-week low | +11.1% | +47.3% | +15.2% |
| Beta | 1.21 | 0.57 | 0.95 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17