BNY · NYSE · STOCK
BNY Mellon (BNY) Stock Analysis
$142.66
52W $103.11 – $165.84
64/100
$97.97B
16.5
1.05
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is BNY Bullish or Bearish?
Bullish.
Innellis AI committee rates BNY Mellon (BNY) Buy with a composite score of 64/100
, based on 5 analysts with 80% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.03 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.97 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 31.7% yoy. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 0.0x is a discount to asset value — Value
- EPS growing 31.7% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- News sentiment is positive (+0.20 across 23 articles, 14d) — News
Bear Case
- RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
64/100
Agreement
80%
Analysts
5
Conviction
Contested
Sector Rank
Top 27%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 0.0x is a discount to asset value
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ EPS growing 31.7% YoY
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup)
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 23 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 64.0 to 64.0.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
23.7
Oversold
MACD Histogram
-0.407
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$111.78
Resistance
$165.84
Bollinger %B
0.18
Inside Bands
Price vs Moving Averages
EMA 9
$144.71
Below
EMA 21
$148.66
Below
EMA 50
$152.10
Below
EMA 200
$139.00
Above
Fundamental Analysis
Valuation
93
Growth
81
Profitability
58
Financial Health
93
Cash Flow
70
Valuation
P/E Ratio
16.5×
P/B Ratio
2.21×
PEG Ratio
1.05
Dividend Yield
1.59%
52W High
$165.84
52W Low
$103.11
Quality & Growth
ROE
1252.2%
ROA
117.5%
Gross Margin
5252.3%
Operating Margin
1971.3%
Revenue Growth YoY
—
Debt / Equity
0.79
AI Fundamental Assessment
P/E ratio of 16.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.2x; PEG ratio of 1.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 12.5%; Return on assets of 1.2%; Net margin of 15.6%; Gross margin of 52.5%; Current ratio of 40.62 (healthy short-term liquidity); Debt-to-equity of 0.79; Free cash flow per share is positive (2.30); Most recent quarter beat estimates by 9.6%; 4 consecutive earnings beats; EPS growth roughly steady (+8.2% -> +9.3% QoQ); Analyst estimates rising over recent quarters
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