BAC vs. HSBC: Bank of America vs. HSBC Stock Comparison
How do Bank of America (BAC) and HSBC (HSBC) 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 HSBC (HSBC) 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 HSBC (HSBC) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | BAC | HSBC |
|---|---|---|
| Name | Bank of America Corporation | HSBC Holdings plc Sponsored ADR |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 439.63 billion USD | 355.75 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | February 21, 1973 | July 16, 1999 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BAC | HSBC |
|---|---|---|
| Total Return (1Y) | 33.91% | 72.87% |
| Total Return (3Y, Annualized) | 27.79% | 45.56% |
| Total Return (5Y, Annualized) | 12.79% | 37.82% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BAC | HSBC |
|---|---|---|
| Volatility (1Y, Annualized) | 21.84% | 27.34% |
| Beta (5Y) | 1.16 | 0.58 |
| Max Drawdown (5Y) | -46.64% | -31.80% |
| Avg. Volume (3M) | 36.03M | 1.54M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BAC | HSBC |
|---|---|---|
| Sharpe Ratio (1Y) | 1.37 | 2.52 |
| Sortino Ratio (1Y) | 1.96 | 4.07 |
Profitability
ROE (TTM)
Both Bank of America (BAC) at 11.20% and HSBC (HSBC) at 13.11% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
BAC
Banks industry group
11.20%
- Max
- 19.15%
- Q3
- 13.31%
- BAC
- 11.20%
- Median
- 11.15%
- Q1
- 9.23%
- Min
- 3.19%
HSBC
Banks industry group
13.11%
- Max
- 19.15%
- Q3
- 13.31%
- HSBC
- 13.11%
- Median
- 11.15%
- Q1
- 9.23%
- Min
- 3.19%
Net Margin (TTM)
HSBC (HSBC) at 37.80% retains a top-quartile share of revenue as profit, ahead of Bank of America (BAC) at 29.52%, which keeps about the industry-typical share.
BAC
Banks industry group
29.52%
- Max
- 47.25%
- Q3
- 34.98%
- Median
- 30.75%
- BAC
- 29.52%
- Q1
- 26.58%
- Min
- 14.41%
HSBC
Banks industry group
37.80%
- Max
- 47.25%
- HSBC
- 37.80%
- Q3
- 34.98%
- Median
- 30.75%
- Q1
- 26.58%
- Min
- 14.41%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and HSBC (HSBC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | BAC | HSBC |
|---|---|---|
| ROE (TTM) | 11.20% | 13.11% |
| ROA (TTM) | 0.97% | 0.78% |
| Net Margin (TTM) | 29.52% | 37.80% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Bank of America (BAC) at 6.84% is around its peer norm for revenue growth, while HSBC (HSBC) at 5.38% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Bank of America (BAC) at 18.69% is around its peer norm for EPS growth, while HSBC (HSBC) at -3.23% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | BAC | HSBC |
|---|---|---|
| Revenue Growth (YoY) | 6.84% | 5.38% |
| Revenue Growth (3Y CAGR) | 6.00% | 9.75% |
| EPS Growth (YoY) | 18.69% | -3.23% |
| EPS Growth (3Y CAGR) | 6.10% | 17.49% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and HSBC (HSBC) 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 HSBC (HSBC) 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 Metrics
| Metric | BAC | HSBC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Bank of America (BAC) at 1.81% pays a yield in its industry’s typical range, while HSBC (HSBC) at 0.73% falls in the bottom quartile of its peers.
BAC
Banks industry group
1.81%
- Max
- 5.71%
- Q3
- 3.09%
- Median
- 2.17%
- BAC
- 1.81%
- Q1
- 1.08%
- Min
- 0.00%
HSBC
Banks industry group
0.73%
- Max
- 5.71%
- Q3
- 3.09%
- Median
- 2.17%
- Q1
- 1.08%
- HSBC
- 0.73%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Bank of America (BAC) at 25.87% pays out a band-typical share of earnings, while HSBC (HSBC) at 53.57% distributes more than its industry norm — less retained, thinner cover.
BAC
Banks industry group
25.87%
- Max
- 77.19%
- Q3
- 42.07%
- Median
- 28.70%
- BAC
- 25.87%
- Q1
- 18.60%
- Min
- 0.00%
HSBC
Banks industry group
53.57%
- Max
- 77.19%
- HSBC
- 53.57%
- Q3
- 42.07%
- Median
- 28.70%
- Q1
- 18.60%
- Min
- 0.00%
Dividend Metrics
| Metric | BAC | HSBC |
|---|---|---|
| Dividend Yield (TTM) | 1.81% | 0.73% |
| Dividend Payout Ratio (TTM) | 25.87% | 53.57% |
Valuation
P/E Ratio (TTM)
Both Bank of America (BAC) at 14.31 and HSBC (HSBC) at 14.65 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
14.31
- Max
- 20.23
- Q3
- 15.29
- BAC
- 14.31
- Median
- 12.88
- Q1
- 11.58
- Min
- 7.42
HSBC
Banks industry group
14.65
- Max
- 20.23
- Q3
- 15.29
- HSBC
- 14.65
- Median
- 12.88
- Q1
- 11.58
- Min
- 7.42
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of America (BAC) in Banks and HSBC (HSBC) 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 1.57 sits near its industry’s typical P/B ratio, while HSBC (HSBC) at 8.23 prices above its benchmark range — HSBC looks rich relative to book.
BAC
Banks industry group
1.57
- Max
- 2.33
- Q3
- 1.63
- BAC
- 1.57
- Median
- 1.36
- Q1
- 1.16
- Min
- 0.67
HSBC
Banks industry group
8.23
- HSBC
- 8.23
- Max
- 2.33
- Q3
- 1.63
- Median
- 1.36
- Q1
- 1.16
- Min
- 0.67
Valuation Metrics
| Metric | BAC | HSBC |
|---|---|---|
| P/E Ratio (TTM) | 14.31 | 14.65 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.57 | 8.23 |
| Free Cash Flow Yield (TTM) | -- | -- |