BAC vs. BBVA: Bank of America vs. Banco Bilbao Vizcaya Argentaria Stock Comparison
How do Bank of America (BAC) and Banco Bilbao Vizcaya Argentaria (BBVA) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bank of America (BAC) and Banco Bilbao Vizcaya Argentaria (BBVA) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
Bank of America (BAC) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | BAC | BBVA |
|---|---|---|
| Name | Bank of America Corporation | Banco Bilbao Vizcaya Argentaria, S.A. |
| Country/Region | United States | Spain |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 407.13 billion USD | 137.93 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 21, 1973 | December 15, 1988 |
| Security Type | Common Stock | ADR |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| Total Return (1Y) | 28.83% | 74.79% |
Risk
Drawdown
Risk at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| Volatility (1Y, Annualized) | 21.61% | 33.65% |
| Beta (5Y) | 1.16 | 0.80 |
| Avg. Volume (3M) | 36.31M | 1.81M |
Profitability
ROE (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 19.04% sits in the top ROE quartile, while Bank of America (BAC) at 10.64% is closer to the peer norm — stronger capital efficiency for BBVA.
BAC
Banks industry group
10.64%
- Max
- 19.15%
- Q3
- 13.07%
- Median
- 10.82%
- BAC
- 10.64%
- Q1
- 8.57%
- Min
- 3.15%
BBVA
Banks industry group
19.04%
- Max
- 19.15%
- BBVA
- 19.04%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
Both Bank of America (BAC) at 28.96% and Banco Bilbao Vizcaya Argentaria (BBVA) at 33.12% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
BAC
Banks industry group
28.96%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- BAC
- 28.96%
- Q1
- 25.62%
- Min
- 12.76%
BBVA
Banks industry group
33.12%
- Max
- 47.55%
- Q3
- 34.61%
- BBVA
- 33.12%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| ROE (TTM) | 10.64% | 19.04% |
| ROA (TTM) | 0.93% | 1.37% |
| Net Margin (TTM) | 28.96% | 33.12% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| Revenue Growth (YoY) | 6.84% | 0.46% |
| Revenue Growth (3Y CAGR) | 6.00% | 11.99% |
EPS Growth
EPS Growth at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| EPS Growth (YoY) | 18.69% | 4.76% |
| EPS Growth (3Y CAGR) | 6.10% | 21.55% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 3.76% delivers top-quartile income for its industry, while Bank of America (BAC) at 1.96% pays a more typical yield — both are credible income propositions, BBVA the richer one.
BAC
Banks industry group
1.96%
- Max
- 5.52%
- Q3
- 3.32%
- Median
- 2.51%
- BAC
- 1.96%
- Q1
- 1.38%
- Min
- 0.00%
BBVA
Banks industry group
3.76%
- Max
- 5.52%
- BBVA
- 3.76%
- Q3
- 3.32%
- Median
- 2.51%
- Q1
- 1.38%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Bank of America (BAC) at 27.30% and Banco Bilbao Vizcaya Argentaria (BBVA) at 39.66% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
BAC
Banks industry group
27.30%
- Max
- 74.88%
- Q3
- 42.57%
- Median
- 29.00%
- BAC
- 27.30%
- Q1
- 19.77%
- Min
- 0.00%
BBVA
Banks industry group
39.66%
- Max
- 74.88%
- Q3
- 42.57%
- BBVA
- 39.66%
- Median
- 29.00%
- Q1
- 19.77%
- Min
- 0.00%
Dividends at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| Dividend Yield (TTM) | 1.96% | 3.76% |
| Dividend Payout Ratio (TTM) | 27.30% | 39.66% |
Valuation
P/E Ratio (TTM)
Both Bank of America (BAC) at 14.24 and Banco Bilbao Vizcaya Argentaria (BBVA) at 11.89 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
BAC
Banks industry group
14.24
- Max
- 20.92
- Q3
- 15.39
- BAC
- 14.24
- Median
- 12.84
- Q1
- 11.21
- Min
- 6.47
BBVA
Banks industry group
11.89
- Max
- 20.92
- Q3
- 15.39
- Median
- 12.84
- BBVA
- 11.89
- Q1
- 11.21
- Min
- 6.47
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of America (BAC) in Banks and Banco Bilbao Vizcaya Argentaria (BBVA) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Bank of America (BAC) at 1.48 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.26 carries an above-peer premium to book — BBVA is pricier on assets.
BAC
Banks industry group
1.48
- Max
- 2.26
- Q3
- 1.57
- BAC
- 1.48
- Median
- 1.28
- Q1
- 1.11
- Min
- 0.62
BBVA
Banks industry group
2.26
- BBVA
- 2.26
- Max
- 2.26
- Q3
- 1.57
- Median
- 1.28
- Q1
- 1.11
- Min
- 0.62
Valuation at a Glance
| Metric | BAC | BBVA |
|---|---|---|
| P/E Ratio (TTM) | 14.24 | 11.89 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.48 | 2.26 |
| Free Cash Flow Yield (TTM) | -- | -- |