Bank of New York Mellon Corp (BNY)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I begin with what I can understand. BNY Mellon is not a flashy lender; it is a custody and securities-services utility. In fiscal 2025, the year ended 2025-12-31, it earned $5.5B on $20.1B of revenue, or $7.40 per diluted share. That compares with $4.5B and $5.80 per share in fiscal 2024 and $3.3B and $3.89 in fiscal 2023, so profits and per-share earnings have been moving in the right direction. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $1.8B and diluted EPS $2.45; in fiscal Q1 2026, ended 2026-03-31, net income was $1.6B and EPS $2.24. The business has scale, switching costs and institutional relationships—a modest moat, not a wide one. FairStock’s return on equity is 14.12%, respectable for a bank, though the Piotroski F-Score of 3/9 suggests balance-sheet and earnings quality signals are mixed. The price of $141.03 at the close on 2026-10-13 gives a FairStock P/E of 16.46, P/B of 2.40 and dividend yield of 1.57%. That is not a Graham bargain, especially at more than twice book, but the PEG of 0.49 hints the growth may not be expensive. The Lynch category is STALWART, with 8.9% annual profit growth over five years and 4.9% revenue growth; that fits: steady, not spectacular. Missing bank-specific data include CET1, net interest margin and combined ratio, so I cannot fully judge leverage or credit risk. On the figures available, this is a fair-to-full price for a durable, steadily growing financial utility.

In plain English: Bank of New York Mellon is a large financial company that safekeeps assets and handles back-office work for other financial firms. Its business looks steady: profits have risen from year to year, and it pays a modest dividend. Based on the numbers provided, the stock price looks fair rather than cheap, because it is valued at a healthy premium to the company’s net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer