Bank of America vs BBVA (BAC vs BBVA)

Bank of America (BAC) vs BBVA (BBVA) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.

Bank of America (BAC) and BBVA (BBVA) compete in banking. Here are Bank of America and BBVA side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy Bank of America or BBVA.

Bank of America vs BBVA: the figures

Bank of America and BBVA figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that Bank of America or BBVA figure is not available, and we never estimate it.

3 key differences between Bank of America and BBVA

1. Growth: BBVA grew sales +18.4% year on year in its latest quarter, against +3.4% for Bank of America.
2. Dividend: BBVA yields 4.51% at today's price and Bank of America yields 2.58%.
3. Profitability: for every 100 of sales, BBVA keeps 32.6 as net profit and Bank of America keeps 28.1.

Bank of America or BBVA: which fits your profile

• If you want growth: BBVA is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
• If you want income (dividends): BBVA pays the higher dividend relative to its price.
• If you prefer caution: BBVA has a less volatile share price, which usually gives more room in a bad year.
• If price is what matters most to you: BBVA trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.

Neither Bank of America nor BBVA wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.

How Bank of America and BBVA make money

Bank of America (BAC)

Bank of America earns most of its money from the spread between loan interest and deposit costs, plus fees. It reports Consumer Banking, its largest segment, Global Wealth & Investment Management with Merrill and the Private Bank, Global Banking for corporate clients, and Global Markets for sales and trading. Full Bank of America analysis.

BBVA (BBVA)

BBVA breaks its results down by geography: Spain, Mexico, Turkey through Garanti BBVA, South America, and Rest of Business, which covers wholesale banking in Europe, the US and Asia. Mexico contributes the most profit. The bank earns mainly net interest on mortgages, business loans and credit cards, plus fees. Full BBVA analysis.

Frequently asked questions: Bank of America vs BBVA

Is Bank of America or BBVA the better stock?

Choosing between Bank of America and BBVA depends on what you are looking for. BBVA is growing faster right now, and BBVA trades on the lower P/E. Fintols does not tell you whether to buy Bank of America or BBVA: it shows you the differences so you can decide.

Which pays a higher dividend, Bank of America or BBVA?

As of November 4, 2026, BBVA yields 4.51% and Bank of America yields 2.58%. Also check how much of their profit Bank of America and BBVA pay out: if it is more than they earn, it cannot last.

Which is more expensive, Bank of America or BBVA?

On P/E, Bank of America (12.3x) is more expensive than BBVA (11.4x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.

Can I own both Bank of America and BBVA?

Yes. Many people spread their money across several companies, such as Bank of America and BBVA, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying Bank of America or BBVA.

More comparisons with Bank of America or BBVA

• Bank of America vs Citigroup
• Bank of America vs Goldman Sachs
• Bank of America vs JPMorgan
• BBVA vs Banco Santander

More companies like Bank of America and BBVA: banking stocks. Educational content about Bank of America and BBVA, not investment advice.