BNY · NYSE · STOCK
BNY Mellon (BNY) Stock Analysis
$158.49
52W $101.71 – $165.69
68/100
$108.78B
18.4
1.05
Is BNY Bullish or Bearish?
Bullish.
Innellis AI committee rates BNY Mellon (BNY) Buy with a composite score of 68/100
, based on 5 analysts with 100% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +6.89 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 — -13.11 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 primary driver is eps growing 31.7% yoy. The main limiting factor is sector concentration is already high (hhi 3069.37). The committee is constructive but not yet at full conviction.
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
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- 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 August 23, 2026
Overall Committee Score
68/100
Agreement
100%
Analysts
5
Conviction
Unanimous
Sector Rank
Top 9%
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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
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
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 68.1 to 68.1.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
43.7
Neutral
MACD Histogram
-0.592
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.46
Inside Bands
Price vs Moving Averages
EMA 9
$160.13
Below
EMA 21
$158.94
Below
EMA 50
$153.77
Above
EMA 200
$133.05
Above
Fundamental Analysis
Valuation
88
Growth
81
Profitability
65
Financial Health
30
Cash Flow
70
Valuation
P/E Ratio
18.4×
P/B Ratio
2.45×
PEG Ratio
1.17
Dividend Yield
1.40%
52W High
$165.69
52W Low
$101.71
Quality & Growth
ROE
1252.2%
ROA
117.5%
Gross Margin
5906.0%
Operating Margin
2217.5%
Revenue Growth YoY
—
Debt / Equity
1.38
AI Fundamental Assessment
P/E ratio of 18.4 (inexpensive relative to a 15-40x range); Price-to-book of 2.5x; PEG ratio of 1.2 (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 17.5%; Gross margin of 59.1%; Current ratio of 0.85 (tight short-term liquidity); Debt-to-equity of 1.38; 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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