Bank of America vs Wells Fargo
The two deposit giants compared on efficiency, returns, and margin of safety — a value look at post-crisis bank recovery.
| Metric | BofA Finance LLC BAC | WELLS FARGO & COMPANY/MN WFC |
|---|---|---|
| ValueOS Score | 51 | 36 |
| Verdict | HOLD | PASS |
| Moat | No Moat | No Moat |
| Margin of Safety | +6.434105945380628% | 0% |
| Intrinsic Value | $330.4B | $-907.7B |
| Price | $61.62 | $86.42 |
Live scores from the latest SEC filings · refreshed daily. Open any card for the full workup.
The Takeaway
Bank of America has run leaner and digitized faster; Wells Fargo is the cheaper, still-healing operator. Both are cyclical and rate-sensitive — use the Scores and margins of safety above to see which is the better bargain at today's price.
Frequently Asked Questions
How do Bank of America and Wells Fargo differ?
BofA is more efficient and digital-first; Wells is cheaper but still working through legacy issues. Both moats come from deposit scale.
Which is cheaper right now?
Use the DCF cards above to compare intrinsic value with live price. The one with the larger positive margin of safety is cheaper on our model.
Compare any stock yourself
Run the full Buffett-style workup on either name.
Cite this page
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ValueOS Editorial Team. "Bank of America vs Wells Fargo." ValueOS. Accessed 2026-07-23. https://getvalueos.com/compare/bac-vs-wfc