Is BAC or BK more undervalued in 2026?

CirclFi compares Bank of America Corporation (BAC) and The Bank of New York Mellon Cor (BK) using 13 institutional-grade valuation models. BAC has a Quality of Company score of 8.0/10 while BK scores 7.6/10.

Which is a better buy — BAC or BK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BAC and BK valuations compare?

BAC at $50.77 and BK at $137.16 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BAC vs BK Valuation Comparison 2026 — Intrinsic Value Analysis

BAC

Banks - Diversified

Bank of America Corporation

Quality

8.0

out of 10

Value Trap

SAFE

Price

$50.77

Last close

Models

11/13

Active

BK

Banks - Diversified

The Bank of New York Mellon Cor

Quality

7.6

out of 10

Value Trap

—

Price

$137.16

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	BAC Fair Value	BAC Upside	BK Fair Value	BK Upside
Bayesian DCF	Intrinsic	$78.37	+54.4%	$57.78	-57.9%
Earnings Power Value	Intrinsic	$8.56	-83.1%	$19.53	-85.8%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for BAC vs BK — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

BAC vs BK — Which Stock Is More Undervalued?

BAC scores higher with a 8.0/10 quality rating vs BK's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Bank of America Corporation (BAC) and The Bank of New York Mellon Cor (BK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BAC currently trades at $50.77 with a QOC of 8.0/10, while BK trades at $137.16 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).